Current Insurance Policy

Every member who follows the rules is covered by our insurance whilst driving a Zipcar.

  • Comprehensive collision coverage
  • Third-party property damage coverage up to £20,000,000 when driving cars and up to £10,000,000 when driving vans
  • Unlimited coverage for third-party bodily injury
  • Members are responsible for a £1,000 damage fee (£1,500 for high-risk members) per incident, which can be reduced or eliminated with an optional damage waiver

A damage fee can apply to dents, scratches, collisions, flat tyres, windshield cracks, dead batteries, engine problems, vandalism, theft, third-party damages, and, in some cases third-party personal injuries.

Members are not responsible for normal wear-and-tear on the vehicle. However, the fee does apply to damage caused by unavoidable events such as floods, hail, wind, trees falling, etc.

Before each reservation, we ask you to check the car inside and out and report any damage. This ensures that you will not be held responsible for damage that may have happened before your reservation. This is part of our Six Simple Rules.

Only active members can drive Zipcars. If you’ve got a fellow member along for the ride it’s fine to share driving time.

Non-members are not permitted to drive Zipcars. Even if it’s just to park the vehicle, people who are not active members of Zipcar are not allowed to drive under any circumstances. They are simply not insured to drive. If you allow a non-member to drive during your reservation (including valets), your membership will be canceled, and you will not be eligible to reopen your account in the future.

For full details on our insurance policy, please refer to our Member Contract.

Was this article helpful?
15 out of 27 found this helpful