Insurance FAQ

Insurance and coverage

How do I know my car will be safe?

At DRIVESHARE, we do everything in our power to protect the owner and his or her vehicle. Before potential renters can get behind the wheel, they must meet our stringent eligibility criteria. DRIVESHARE performs comprehensive background audits. (For more information on renter requirements please refer to our policies page.) Once a renter has paid and passed all of our audits, they can confirm a booking.

Is insurance included with every rental?

DRIVESHARE provides coverage for all driving rentals. Renters have 3 choices during checkout, with up to $1 million in liability coverage for both bodily injury and property damage for every rental period. This coverage is subject to the terms, conditions and exclusions of the policy.

Owners are able to add insurance for Event or Chauffeur rentals. This includes up to $1 million in liability coverage for both bodily injury and property damage for every rental period and collision coverage up to the vehicle’s agreed value listed on the DRIVESHARE website, subject to the terms, conditions and exclusions of the policy.

One important exclusion is that driving rentals are not available for vehicles registered in New York State, and our Chauffeur/Event insurance is not applicable to any trips starting or ending in New York State. However, vehicles registered in other states can be driven into New York but trips must begin and vehicles must be picked up outside of New York.

Where can I find insurance ID cards?

The Insurance ID card is only valid for driving rentals, and chauffeur/event rentals that have the insurance option added by the car owner. If you would like to carry the proof of insurance ID cards in the car during rental periods, please click here to download and print an ID card. 

If you are unable to print the ID cards and need them mailed, please contact support@driveshare.com to inquire. 

Who sets the insured value?

The vehicle’s insured value is set by the owner and agreed to by DRIVESHARE prior to listing on the platform. Values are verified using the top industry vehicle valuation tools. In the event of a total loss, you will receive up to the value amount that was listed on the DRIVESHARE platform.

What if I rent out my car outside of DRIVESHARE?

Renting your vehicle outside of our platform will not afford you any coverage under DRIVESHARE's insurance policy. DRIVESHARE will not be held liable for any money transactions, damages, claims or vehicle breakdowns if the rental was not booked directly through DRIVESHARE.

Will my current insurance policy respond if I have a loss while renting my vehicle?

​​While we cannot speak to the language in all automobile policies, many policies contain an exclusion if the vehicle is being rented to another for a fee. When a vehicle is being rented through DRIVESHARE for a driving rental, both liability and physical damage coverage is provided for the vehicle for the entire rental period subject to the policy terms, conditions and exclusions.

Will my hired driver be insured by DRIVESHARE?

Owners are able to add insurance for Event/Chauffeur rentals to every trip (with the exceptions of cars located in the state of New York), subject to the terms, conditions and exclusions of the policy. If you are using a chauffeur to drive the vehicle during the rental period, the person who will be driving will be covered as long as each driver creates an account and goes through the standard driver verification process. Please contact us for further information and to obtain a link to begin the verification process for your driver.

How do I file a claim?

Before and after each rental period, a vehicle inspection should be completed, and taking photos of the vehicle before and after each rental is encouraged.

If an incident occurs during the rental period and there is a need to file a claim, please contact us at support@driveshare.com with the following information:

  • full names of both the vehicle owner and the driver/renter

  • the phone numbers for both the vehicle owner and the renter

  • the location of the incident

  • who the operator was at the time of the incident

  • the date of the incident

  • any notes regarding what happened during the incident

  • whether or not the police were involved

  • photos of any damages can be emailed to support@driveshare.com

Once this information is received you will be contacted by a claims representative.

Can I rent out cars in New York?

Unfortunately, due to New York state insurance regulations, DriveShare is unable to offer driving rentals in New York. This applies to cars registered in New York as well as to trips beginning in New York State. For example, a vehicle registered in a neighboring state can be picked up in that that state and driven into New York and later returned to the state where it was picked up. However, a DriveShare rental cannot be picked up from a location in New York or delivered by the owner for a rental beginning in the state. 

Chauffeur/Event rentals are available in the New York State for owners who can provide their own insurance.

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