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How does the insurance work when I rent out my car with SnappCar?

In this article you find all information about the SnappCar insurance, which kind of damages are covered, and which are not. 

How does the insurance work? 
Do I have to pay for insurance?
What kind of damage is covered? 
What kind of damage is not covered? 
What happens if my car is declared totaled?
How can I get in touch with Allianz?
What about my personal car insurance?

How does the insurance work? 

The SnappCar insurance is in effect during the rental period which was booked via our platform and when check-in was done according to the standard digital procedure. With the full casco coverage, you are extensively covered against damage, theft, and vandalism. Should damage occur during the booking then it will be handled through the insurance company Allianz.


Do I have to pay for insurance?

Yes, SnappCar charges an insurance fee for each rental period. The amount of insurance costs varies per booking, depending on various factors. The differences in the amount are because the insurance fee is based on the risk profile of the car and renter. This means that based on factors such as age of the renter and value of the car, the insurance fee may be lower or higher, just like with regular car insurance. The insurance fee for bookings with a high risk of damage, for example cars with a high value, the insurance fee is €20.00 per day. The insurance is renewed for each rental, so you do not owe any subscription costs or monthly contribution for the insurance.


What kind of damage is covered? 

The full casco insurance in principle covers damage caused by sudden external causes, such as scratches, dents and window damage. Extra drivers, liability and as well as theft and embezzlement are also part of the insurance. The car is insured against the technical insurance value with a maximum of € 90.000. As the insurance company Allianz will receive, assess and handle damage claims. Also roadside assistance and transporting the car in car to a car repair shop are both covered by the insurance fee.


What kind of damage is not covered? 

The insurance policy offered by Allianz does not cover technical damages. The reason for that is that these damages are almost always the result of age or ‘wear and tear’ and the renter cannot be held liable. It is the owner’s responsibility to ensure that the car they rent out is in good condition. If a car breaks down during a rental period due to a technical damage, SnappCar will pay to have the car towed to a repair shop of the owner’s choice but will not pay for repairs.

 

What happens if my car is declared totaled?

A car is considered totaled if the total cost of repairing the car is higher than the day value of the car in normal condition. For larger damages, the insurance company will send an expert to the car to determine its value. If the expert determines that the car is totaled, the insurance company will pay out the day value to the owner.

 

How can I get in touch with Allianz?

Our insurance partner Allianz is in charge of the claims process. Please contact them if you have a specific question regarding a claim, mentioning the damage number and license plate of the car. You can do so via the following email address: snappcar@allianz.nl.

 

What about my personal car insurance?

During a rental period with Snappcar, your car is insured through our insurance partner Allianz. This means that your own insurance will not be contacted if damage occurs to your car during the rental period. For (own) use outside the rental period, you need your own car insurance. Without personal car insurance, you are not allowed to rent your car through SnappCar.

If you are unsure whether your insurance allows car rental, we recommend checking with them. Currently, Allianz Direct and Centraal Beheer Achmea allow private car rental, but please note that the policy conditions can change annually.

 

More information about the SnappCar insurance, Allianz terms of insurance and the insurance policy you can find here.