Car Share Insurance and Protection

Insurance for Renters

evee is the holder of a group motor vehicle insurance policy. Eligible vehicles, Hosts, Renters and Authorised Drivers may receive the benefit of cover during an eligible Rental Period, subject to the policy wording, Schedule, endorsements, exclusions and the insurer’s decision. Subject to those documents, the policy may cover certain legal liability to third parties arising from an accident. Cover is not automatic in every circumstance.

See more information on evee’s group insurance policy here.

Driver age restrictions

There are driver age restrictions, such as 25+ for standard vehicles and 30+ for premium and performance vehicles. We do not charge a fee to add an extra driver but there is a limit to three drivers for every rental. All drivers must be verified through the evee platform.

Your responsibilities

We know things happen, so if you are early to pick up or running late to return the car, get in contact with the Host via the platform or SMS to let them know. This way you can ensure your insurance will cover any extra time even if a late return fee is applied. If you do not contact the Host, you risk not being covered by insurance.

If you are involved in an accident, contact the Host immediately. Make sure you get all the details of the other parties involved and take photos of the damage just like you would if you had an accident in your own vehicle.

Rental damage liability

Your damage liability is the maximum out-of-pocket amount you have to pay in case of an accident, provided you are not in breach of the rental terms at the time of the loss. Damage liability should not be confused with insurance excess. It also includes other fees and charges associated with processing and managing a claim.

Damage liability varies, influenced by the vehicle’s type, age, and market value, among other considerations. For transparency and ease, the specific damage liability for each vehicle is clearly listed on its respective page, so both renters and hosts are informed prior to booking.

Reduce your damage liability with evee Protect

evee Protect is an optional additional protection product that may reduce the Damage Liability for one eligible Incident to $0. Eligibility is subject to the Renter Terms, including the exclusions for intentional, reckless, unlawful or otherwise improper use, and to any applicable policy decision. Terms and conditions apply.

How it works:

evee Protect aims to provide you extra security, not to waive all liabilities. It’s about adding an extra layer of assurance to your journey with us, making sure accidental mishaps don’t spoil your rental experience.

Security deposit

A security deposit is authorised on a renter’s card 24 hours before the booking starts. If no damage or other amount is reported, the authorisation is released 48 hours after the rental ends. If a Host submits a claim that meets the minimum reporting and evidence requirements, evee may retain or capture a reasonable amount as security while the claim is assessed. This is not a finding of liability, and any amount found not payable will be released or refunded. Bank processing times may apply.

Rent an electric car as a surprise gift

Rent a Tesla or an electric car as an amazing experience and a surprise gift for someone. Just book as normal, and let us know. Add the driver’s details to the evee platform and make sure they are fully verified before they get behind the wheel so they are covered by insurance.

Use an evee vehicle as an accident replacement car

Need a replacement vehicle while yours is being repaired? Contact us through the evee Help Centre and we can provide a hire quote for your insurer. Once it is approved, we can help you hire an available electric vehicle.

evee does not manage your claim, liaise with your insurer, or arrange delivery, collection or handover. These arrangements are handled directly with your insurer and the relevant parties.

Pro tip: If another party caused the accident, ask your insurer whether a comparable EV can be approved. A petrol alternative may cost more to run, potentially leaving you out of pocket. Approval depends on your policy and claim circumstances.

Insurance for Hosts

How it works

evee holds a group motor vehicle insurance policy under which eligible Hosts and Vehicles may receive the benefit of cover during an eligible Rental Period. Cover is subject to the policy wording, Schedule, endorsements, exclusions and the insurer’s decision. Hosts remain responsible for maintaining any registration, compulsory third party insurance and private cover required outside an eligible Rental Period.

We continue to work with our trusted insurance partners to offer this programme, which is backed by a local Australian APRA-rated insurer, to give you peace of mind that your electric vehicle is properly protected.

As a host, you do not need to switch policies to be protected when sharing through evee.

It is important to note, that insurance is offered based on the type and market value of your car, not agreed value.

Eligibility depends on the Vehicle, Booking, Rental Period, compliance with material obligations and the applicable policy terms. A material breach that causes or contributes to a loss may affect cover. The insurer determines policy coverage.

We do not provide insurance products or advice. However, we are able to refer all owners to our insurance provider, Nsure Pty Ltd t/as Nsure General Insurance Advisors | CAR 329019 | ACN 125 953 273 Corporate Authorised Representative of National Adviser Services Pty Ltd t/as Community Broker Network | AFSL 233750 | ACN 096 916 184 for insurance product advice.

Where the renter chooses to allow an unauthorised driver to drive your car and they are involved in an accident, your insurance still covers you for damage to your car. And if it is stolen or written off, the underwriter appoints an independent assessor to work out the market value based on the vehicle’s age, mileage, options, modifications, condition and sales rates of comparable vehicles on the market. However, you cannot claim lost income under this policy.

Insurance for Commercial Hosts

Commercial Hosts are independent hosts or companies who offer renters their own commercial liability rental insurance – not a protection plan via evee. You may pay Commercial Hosts directly for some costs. This is the only time it’s OK to pay a host outside the evee platform.

There is no insurance, physical damage protection, roadside assistance or dispute resolution provided by evee or its insurers for the trips booked with Commercial Hosts. The Commercial partner may offer you liability insurance or physical damage protection outside of evee for a fee after you book.

If an owner provides their own rental insurance on any vehicle associated with their account, all of their vehicles will automatically be opted into owner-provided insurance and covered exclusively by their own insurance.

Information for all parties

Secure online verification and payment system

We have created an online verification and payment system designed to keep you safe. We use identity, information and security authentications including:

Digital vehicle condition reports

Hosts and renters must each complete their own digital vehicle Condition Report at the start and end of every rental. Reports must be completed at the handover location before the Vehicle is moved or altered and must include the photographs and details required by the applicable Terms.

Legally binding agreements

by using the evee platform, hosts and renters agree to the terms, which confirm everyone’s rights, responsibilities and obligations. Read more about our Terms and Conditions.

Insurance Disclosure Statement

Group Motor Vehicle Insurance Information

1. Evee Australia Pty Ltd (evee) is a Group Purchasing Body (pursuant to the ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751) of a group motor vehicle insurance policy (Group Policy) administered through Nsure Pty Ltd t/as Nsure General Insurance Advisors | CAR 329019 | ACN 125 953 273 Corporate Authorised Representative of National Adviser Services Pty Ltd t/as Community Broker Network | AFSL 233750 | ACN 096 916 184.
2. Subject to the policy wording, the Group Policy covers:
   1. Car owners for loss or damage to the vehicle occurring during the period of insurance up to an agreed amount;
   2. Car owners, authorised drivers and passengers, employers and principals for their legal liability to pay compensation to third parties for loss, damage or loss of use of someone else’s property as a result of an accident arising out of the use of the vehicle; and
   3. Additional benefits agreed upon between evee and Nsure Pty Ltd. Please read the policy wording for further details on additional benefits provided.

evee does not provide any insurance products or advice and does not hold an Australian Financial Services Licence (AFSL). All owners and renters will be referred to evee’s insurance provider, Nsure Pty Ltd t/as Nsure General Insurance Advisors | CAR 329019 | ACN 125 953 273 Corporate Authorised Representative of National Adviser Services Pty Ltd t/as Community Broker Network | AFSL 233750 | ACN 096 916 184 for insurance product advice. You should consider obtaining your own financial product advice about the product.

3. The Group Policy, subject to its terms, covers owners during the period shown on their Certificate of Insurance and covers renters during the period of their rental through evee. evee will inform you if it is expected that the Group Policy:
   1. may not cover you for the period represented above; or
   2. if the Group Policy is or likely to be cancelled or not renewed unless we believe that substantially similar cover will apply under another risk management product.

evee will compensate renters for any loss suffered as a result of evee’s failure to inform you of the above.

4. You can request a copy (without charge) of the terms and conditions of the Group Policy. To request a copy of the terms and conditions, please contact us at support@evee.com.au

5. As a Group Purchasing Body, evee is under a legal obligation to establish a process which allows you to verify evee’s Group Policy details. Please call or email Nsure at admin@nsure.com.au if you wish to verify that the group policy remains current.