Drive covered

A transparency-first guide to peer-to-peer car rental insurance

Peer-to-peer car rental works differently from a traditional rental counter, and the insurance side is the part most people have questions about. Here's exactly what's covered on Get In, how the tiers compare, and how your personal auto policy fits in.

How protection works on a peer-to-peer trip

When you book, you're driving a car owned by another person — not a fleet vehicle. To make that safe for both sides, every Get In booking automatically includes a protection plan from our licensed insurance partner. The plan provides liability coverage to state minimums for injuries or damage you cause to others, and physical damage coverage for the host's vehicle if something happens during your trip. You choose the tier at checkout based on how much risk you want to absorb yourself.

Choosing between Basic, Standard, and Premium

• Basic keeps the daily price down but leaves the highest deductible with you if there's a claim. Best for short, low-mileage local trips in a modestly priced car.
• Standard is the middle ground most renters pick — a meaningfully lower deductible without paying for the top tier. Good for weekend trips and most mid-range cars.
• Premium drops the renter deductible to zero on approved claims and is the right call for long road trips, luxury or exotic cars, and any trip where peace of mind matters more than the daily price.

How your personal auto insurance fits in

You don't need a personal auto policy to book on Get In — the included plan stands on its own. If you do have one, it generally acts as secondary coverage above our plan's deductible, which can help if a claim exceeds the protection plan's limits. Credit cards that advertise "rental car coverage" usually exclude peer-to-peer marketplaces, so don't assume your card replaces the included plan. When in doubt, call your insurer or card issuer before the trip and ask specifically about peer-to-peer car rental.

The security deposit, explained

Tiers with a non-zero deposit place a refundable authorization hold on your card during the trip. It is not charged. If a claim is approved, the renter deductible is taken from the hold first; minor fees like cleaning, late return, or unpaid tolls can also come out of it. Anything unused is released back to your card within a few days of trip end.

What the claims process looks like

If something happens during a trip, the host opens a claim from their dashboard with photos, the booking ID, and a short description. Our claims team reviews within 48 hours and reaches out to both sides if more information is needed. Approved repair costs are paid directly to the host; your deductible is applied to the deposit first, and anything above it is settled through the included protection plan — not charged to you.

What is never covered

No tier covers off-road use, racing or track days, intentional damage, mechanical wear-and-tear, or driving while impaired. Driving outside the approved geographic area listed in the booking can also void coverage. If you're planning a trip that includes any of these, message the host first — some will accept it on the side with a separate written agreement, but it has to be arranged before pick-up.