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Why do both the owner and the renter pay for the Snapp- and insurance fee?

SnappCar provides insurance coverage for both the owner and renter. For the renter, this coverage also includes roadside assistance. For the owner, this coverage a replacement vehicle in case of total loss. Both owner and renter make use of the services provided by SnappCar, which is why both parties pay the Snapp-fee.
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