Vehicle Insurance FAQs

Rest easy knowing that Fluid has your vehicles covered.

Here are some details about our vehicle insurance, as well as some FAQs about vehicle reservations.

Borrowers

You must:

  • Be 21 years or older
  • Have a valid US Driver’s License

You cannot use a Fluid vehicle if:

  • You have gotten a DUI in the last three years
  • You have committed vehicular homicide in the last three years
  • You have had three moving violations in the last twelve months
  • Your driver’s license name does not match your Fluid user name

You must be 21 years or older to reserve a vehicle on Fluid. Before reserving a Fluid vehicle, we need to check your motor vehicle record to see if it meets our Driver Guidelines. We attempt to validate and notify all drivers if they qualify within 24 hours. Only the Fluid approved driver named in the transaction may drive the vehicle. For additional information about our Driver Guidelines, please contact customercare@fluidmarket.com.

As the borrower of a vehicle, please understand that you are at all times responsible for your conduct and activity during the entire share period. Please check our Terms of Service for additional information. Fluid will hold borrowers responsible for conduct causing or contributing to accidents, injury or damage and all borrowers may be required to pay deductibles, fees and other costs. Additionally, Fluid may charge your card, or cards, on file at the onset of any claim to satisfy any deductibles. In the event that the level of damage is less than the deductible charged, Fluid will refund amounts charged to your credit card.

If you notice that there are safety or mechanical issues with the vehicle, please reach out to the owner immediately to receive clarification on the issue. If the borrower is uncomfortable with continuing the share, the borrower may return the vehicle to its original location and contact Fluid at customercare@fluidmarket.com to determine the appropriate refund. Refunds will be given on a case by case basis and in Fluid’s sole discretion.

During the rental period, you’re protected with $300,000 in liability and bodily injury and property damage insurance. This policy is meant as a primary policy during the share period. There is a $500 deductible that applies to claims involving these policies. We also protect your vehicle against theft and physical damage up to $50,000.00 for any event that qualifies as a covered peril during the rental period. There is a deductible up to $500 that applies to claims involving these policies.

a. Fluid does not offer any coverage for the following:

i. Interior or exterior wear and tear of the vehicle;

ii. Lost rental income;

iii. Replacement vehicle; and

iv. Vehicles over 15,000GVW, motorcycles, recreational vehicles and vehicles that require a commercial license to operate (“Excluded Vehicles”). You may opt-out of the Fluid insurance program if you have commercial rental insurance and choose to waive protection by Fluid. Please contact us at customercare@fluidmarket.com for additional information.

b. Borrower Insurance: If you have comprehensive insurance coverage on one of your personal vehicles, your personal insurance should cover damage to vehicles you rent on Fluid. A deductible with your insurance provider may apply. Please contact your insurance provider to confirm your coverage.

c. Credit Card Insurance: Chances are, your credit card rental car insurance will not provide any coverage for your reservations made through Fluid.

Please contact Fluid as soon as possible if you have any issues with your share by emailing customercare@fluidmarket.com. We will work with you and the owner to try and resolve any issues.

It should but will ultimately depend upon your policy. As part of the claim investigation process, we will collect insurance information from you and will work with you and your insurance company to resolve incidents involving vehicles. If you have no coverage and you damage a vehicle, Fluid may charge you for costs up to the value of the car plus additional fees, costs and claims related damages.

This could be a flat tire, vehicle malfunction, dead battery or any other incident related to the vehicle. If the vehicle breaks down or you are involved in an accident, you must use your personal roadside assistance service. Depending on the party at fault for the breakdown, Fluid may reimburse borrower and charge owner for losses and claims related to these situations. The first step is to complete the Claim Form which through an email request to customercare@fluidmarket.com.

Lenders

Vehicles listed on Fluid must be 2001 or newer, in good or excellent condition, comply with all legal, safety and mechanical standards and be registered in the U.S. We offer replacement and damage protection up to $50,000, so if the actual cash value of your vehicle more than $50,000, please reach out to our Customer Care team to learn more about our Enhanced Owner Protection Program. Vehicles with a GVW of 26,000, motorcycles, recreational vehicles and vehicles that require a commercial license to operate (“Excluded Vehicles”) may be listed with Fluid but are not covered by any Fluid insurance policy and all owners must have a commercial policy that protects the vehicle, owner and borrower. Fluid is not responsible for claims related to these Excluded Vehicles.

Prior to approving your listing, Fluid may collect a picture of your current registration and a vehicle safety report. Failure to provide these documents may result in rejection of your vehicle. Fluid reserves the right to remove any listing in its sole discretion.

During the share period, you’re protected with $300,000 in liability and bodily injury/property damage insurance. There is a $500 deductible that applies to claims involving these policies. We also protect your vehicle against theft and physical damage up to $50,000.00 for any event that qualifies as a covered peril during the share period. There is a $500 deductible that applies to claims involving these policies.

Fluid does not offer any coverage for the following:

  1. Interior or exterior wear and tear of the vehicle;
  2. Lost rental income;
  3. Replacement vehicle; and
  4. Vehicles over 15,000GVW, motorcycles, recreational vehicles and vehicles that require a commercial license to operate (“Excluded Vehicles”).

You may opt-out of the Fluid insurance program if you have commercial rental insurance and choose to waive protection by Fluid. Please reach out to customercare@fluidmarket.com to get additional information related to our owner provided insurance requirements.

Before reserving a Fluid vehicle, Fluid checks all drivers’ motor vehicle records to see if the borrower meets the Fluid Driver Guidelines. We attempt to validate all drivers within 24 hours. For additional information about our Driver Guidelines, please contact customercare@fluidmarket.com.

Please notify the police or relevant authorities as quickly as possible. Once you have notified the proper emergency personnel, please complete the Claim Form and provide the relevant documentation related to the incident. The Claim Form can be requested by emailing our team at customercare@fluidmarket.com.

If another vehicle or party is involved in the accident, please collect the name, address, insurance information and driver’s license number of the other driver. In some instances, a police report may be required as part of the claims process so it is always advisable to get a police report, when available.

Because there are many complicated insurance programs and questions involved in vehicle shares, please contact Fluid at customercaser@fluidmarket.com first with any issues related to a share. Fluid will work with both parties to try and find an acceptable solution.

If you discover a safety or mechanical issue, please notify the borrower immediately so that you can cancel the share. This way the borrower has more time to find a suitable replacement vehicle. A 10% cancellation fee will apply to shares cancelled by a vehicle owner. This cancellation fee will be credited to the borrower, provided, Fluid may keep a 3% administration fee for processing the cancellation.

Claims should be raised within 24 hours following the completion of the share or before the next share starts, whichever is earlier. If you are in an emergency situation, please contact the police, emergency personnel or authorities. All non-emergency claims should be filed with Fluid within 24 hours of the end of the share. If the claim involves a parking ticket, photo radar ticket or toll charge, the owner should notify Fluid upon its receipt of such ticket or notice. Borrowers will be charged for any and all tickets and tolls. In the event that there is a dispute related to a charge,

Fluid will work with the parties to determine an acceptable resolution. Claims can be filed by completing the Fluid Claim Form. To receive a Claim Form, please email customercare@fluidmarket.com. Fluid attempts to respond to all matters promptly and strives to resolve claims within 14 days of receipt of the completed Claim Form.

a. After each share, please perform a vehicle inspection to ensure that you are aware of your vehicle’s condition. This includes the interior. Please make sure that your vehicle is clean and that there are no personal items left in the vehicle. Fluid is not responsible for any lost, stolen or damaged personal items that are left in the vehicle.

b. If you discover a safety or mechanical issue, please notify the borrower immediately so that you can cancel the share. This way the borrower has more time to find a suitable replacement vehicle.

c. Make sure your current registration, insurance card and Fluid proof of insurance is in the vehicle prior to any share.

d. Once the share ends, Fluid recommends performing a vehicle inspection to asses if there are any damages. If you notice damage to the vehicle, please notify Fluid the earlier of either within 24 hours or prior to your next share (“Notification Period”). Any claims brought after the Notification Period cannot be accepted.

Insurance terms subject to change.*

Still have questions? Feel free to reach out to Customer Care.

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