Will this policy cover rentals through a car club, car subscription or car sharing scheme?

We can cover car clubs that own their vehicles.  What we don't cover is car clubs where a group of people share their private cars.  You will need to ensure that the car club satisfies this policy requirement prior to taking out cover.

The Car Club must be licensed in the United Kingdom to provide vehicles for hire and the vehicle must meet our definition of a 'Rental Vehicle'. The vehicle may NOT be privately owned. Please read the Policy Wording for further information.

We do not cover courtesy cars.

In the event of a claim you must be able to provide a damage report from the Car Club including copy invoices, receipts or other documents confirming the amount you have paid in respect of the damage to the hired vehicle for which you are seeking reimbursement and, where possible, photographs of the damage. You must also be able to provide a copy of your membership Agreement and a copy of the repair invoice from the repairing garage. Please also see your Policy Wording for details of how to Claim.

We do not cover vehicle subscriptions services because these are not rentals and don't carry the same rental agreements that we require for our cover.  The list below names a few companies we do not   provide cover for:

• Drivy / Getaround
• Turo
• Hiyacar