Short answer:

Our Owner Guarantee is designed to protect owners in the rare instance of damage or loss to their car during a booking. Put simply: if a borrower damages your car during a booking and does not pay the bill to repair or replace it, then we will pay. For more terms and conditions, see our Owner Guarantee


When you list your car, we agree to pay you (subject to the Owner Guarantee terms) to repair or replace your car if a borrower is responsible for it being damaged or lost and they don’t pay what they owe you under the Member Agreement.

The Owner Guarantee means that even if a borrower is declined cover by Mobility Mutual, or if they don’t pay their excess, you won’t be out of pocket. 

The Owner Guarantee is not insurance. It is not related to Mobility Mutual’s Trip Cover, which is designed to protect borrowers when they are renting cars on our platform, or to Between Booking Cover, which protects eligible cars between bookings. 

It’s our promise to you so that you can share your car with confidence.

What’s protected:

  • Damage to your car 
  • Theft or loss of your car
  • Towing, storage and recovery charges
  • Damage assessment fees 

What’s not protected:

  • Wear and tear (as defined in the Damage Policy)
  • Loss of income 
  • Loss or damage to non-standard modifications or accessories
  • Damage that can’t be attributed to a borrower

The Owner Guarantee is subject to terms, conditions, and exclusions. For more terms and conditions, see our Owner Guarantee

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