Insurance Risk Tiers

We have two separate risk tiers for our members: standard and higher.

Standard members are aged 25 or older, have not had an accident within the last three years and have less than 4 points on their license. 

Higher tier members are aged over 25 years old and have had an accident within the last three years/have more than 4 points on their license.  

If you’re on the high-risk tier and would like further information, please click here.

If you’re involved in an accident/incident in a Zipcar, you will automatically be moved on to the higher tier.

If you wish to lower or remove the excess you may have to pay, please log in to your Zipcar account go to your account settings, select Membership, and then click on Damage Protection to view your options.

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