Safe Car Sharing: Your Protection
Nextsure's car sharing protection insurance minimizes your financial risk for damages and excess. Secure it easily online now!
Reduces your excess
Covers damages to the rental vehicle
Easily completed online
What is carsharing insurance and why is it indispensable?
Protection of the Excess
Protection against high costs
Supplement to Vendor Protection
Enjoy carefree car sharing
Comprehensive Coverage: What Damages Does the Carsharing Insurance Cover?
Nextsure's car sharing insurance provides you with specialised coverage that goes beyond the basic protection offered by many car sharing providers. The focus is on reducing or completely eliminating your financial burden in the event of damage, especially considering the often high excess. Typically, damages to the rented vehicle incurred during your usage are covered. This includes, for example, accident damage, parking damage, vandalism, or damage due to user error, provided these are not caused by gross negligence. Important is also the protection against damage to tyres and glass, which are excluded by some provider insurances. Our digital platform enables you to view the exact coverage details transparently and select the tariff that suits you best. Always pay attention to the insurance conditions to understand the full scope of services, including possible exclusions such as intentional damage or driving under the influence of alcohol or drugs. As a niche insurance portal, nextsure prides itself on offering tailored and comprehensible solutions for modern mobility forms.
Tailored Protection
Our services for your car sharing safety
SB Reduction
Effectively minimise your excess in the event of a claim.
Accident protection
Coverage for accidents caused by yourself or others involving the rental vehicle.
Parking damage
Protection against annoying dents and scratches while parking.
Vandalism
Protection against wilful damage to your car-sharing vehicle.
Glass/Tyre
Additional cover for damage to glazing and tyres.
Europe-wide
Validity of your coverage in many European countries.
Online Degree
Quick, simple, and digital access to your insurance policy.
Claims Service
Prompt and straightforward assistance in emergencies from our team.
Fair Tariffs
Transparent prices for protection that suits you.
Stress-free travel with nextsure
Any further questions about your
Car sharing insurance?
Your benefits with the Carsharing Protection Insurance from nextsure
By choosing the car sharing insurance from nextsure, you benefit from numerous advantages tailored specifically to the needs of digitally savvy car sharing users. Our main objective is to provide you, as an online insurance platform, with maximum convenience and transparent security. A key benefit is the significant reduction of your financial risks. The often high excess at car sharing providers can create a significant gap in your budget in the event of a claim – our insurance closes this gap or significantly minimizes it. Additionally, you benefit from a fully digital completion process: from information to tariff comparison to conclusion, you can do everything conveniently online. nextsure is distinguished by a focus on niche products, meaning our car sharing insurance is precisely tailored to the specific risks of this form of mobility. Therefore, you do not receive an overloaded standard cover, but a bespoke insurance solution. Furthermore, you enjoy fast and straightforward assistance in the event of a claim through our digital service channels. Our expert advice is available to you at any time to ensure you get a clear and tailored insurance solution that meets your needs.
Who is car sharing insurance particularly useful for?
A car-sharing insurance is generally a worthwhile consideration for any user of car-sharing services, but it is especially recommended for certain groups of people. Are you a frequent user of car-sharing services? Then, statistically, your risk of being involved in an accident increases. Our insurance provides essential protection against recurring high excess costs. It also offers a cost-effective and powerful alternative for budget-conscious users who wish to avoid the often expensive additional insurance offered by car-sharing providers. Young drivers and beginners, who use car-sharing as a flexible alternative to owning a car, also benefit, as they statistically have a higher risk of accidents and the financial burden of damage is often more significant. If you frequently travel in busy city centres or unfamiliar areas where the risk of parking damage or minor collisions is higher, our insurance offers additional security. Ultimately, nextsure's car-sharing insurance is ideal for anyone who values financial predictability and wishes to protect themselves against unexpected costs, allowing them to enjoy car-sharing worry-free. This aligns with our mission to offer tailored and easily understandable insurance solutions.
Behaviour in the Event of Damage: How to Make the Most of Your Car Sharing Insurance
Damage to a car-sharing vehicle is annoying, but with the right preparation and knowledge of the procedure, you can smooth the process and make optimal use of your nextsure car-sharing insurance. Safety always takes top priority: secure the accident scene, administer first aid if necessary, and inform the police, especially in cases of personal injury or if the other party is unclear. Document the damage promptly and as detailed as possible. Take photos of the damaged vehicle from various angles, the accident site, and if necessary, any damage to other vehicles involved. Note down the registration numbers, names, and addresses of witnesses and those involved in the accident. Report the damage immediately to both the car-sharing provider in accordance with their guidelines and to your car-sharing insurance with nextsure. For the report to us, it is best to use our digital channels for faster processing. Have your contract number and all relevant information ready. Complete all required forms truthfully and thoroughly. Keep all receipts and correspondence carefully. Our experts at nextsure will support you throughout the entire process and inform you about the next steps to ensure a swift and fair settlement of your claim.
Distinction: Car-sharing coverage vs. private liability and motor vehicle insurance
It is important to distinguish car sharing protection insurance from other insurances such as private liability insurance or standard car insurance (if you own your own vehicle), to avoid coverage gaps and prevent double insurance. Private liability insurance generally covers damage you cause to other people or their property. Damage to the rented car sharing vehicle itself is usually not covered or only covered to a very limited extent, particularly regarding the excess. Your own vehicle's car insurance does not apply to the car sharing vehicle, as it is a rented, foreign vehicle. Car sharing providers typically include basic liability and partial or fully comprehensive insurance in their prices. However, these often come with a high excess that the user must bear in the event of a claim. This is where Nextsure's car sharing protection insurance comes in: it is a specialised supplementary insurance that primarily aims to reduce or eliminate this excess and close any coverage gaps in the provider's insurance. It is therefore a targeted supplement for car sharing users, aimed at minimising financial risks when driving other vehicles, and not an alternative to general private liability or car insurance for your own vehicle.
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Costs and Pricing of Car Sharing Protection Insurance: Transparent and Fair
The costs for car-sharing insurance protection with nextsure are transparently designed, based on various factors to offer you a fair and needs-oriented price. A key aspect is the extent of coverage desired, especially the maximum cover amount for reducing the deductible. The more comprehensive the protection, the higher the premium can be, although we consistently strive for excellent value for money. The contract duration can also affect the price; annual contracts are often cheaper than short-term coverage. Some rates may also consider usage frequency or specific driver groups, though nextsure, as a digital insurance portal, focuses on simple and understandable tariff structures. Our goal is to provide you, as a digitally savvy customer, with a quick overview and a straightforward online conclusion. Compare the offered tariffs on our platform to find the option that best suits your individual needs and budget. In doing so, pay attention not only to the price but also to the exact scope of services, potential exclusions, and the amount of the insured deductible. nextsure stands for transparency, so you know exactly what you're paying for and what protection you receive in return.
Important contract details: What to watch out for when signing
When taking out a car sharing insurance policy, there are some important contract details you should pay attention to, ensuring that the coverage meets your needs and you are not faced with unexpected surprises in the event of a claim. Carefully read the insurance terms and conditions (AVB). These detail the exact scope of coverage, exclusions, and your obligations as the policyholder. Pay particular attention to the insured amount for the excess reduction – this should cover the usual deductibles of the car sharing providers you use. Check the geographical coverage of the insurance: does it apply to all car sharing providers, or are there restrictions? Is overseas use covered if you plan to travel? Find out about the contract term and notice periods. Nextsure offers flexible solutions as a digital insurance portal, but it is essential to understand the terms. Clarify your obligations in the event of a claim (e.g., prompt notification, duty to cooperate). Also, ensure you understand the definition of a "claim" and what events are precisely insured. At Nextsure, we value clear policies, but do not hesitate to seek our expert advice if anything is unclear, so you can make an informed decision.
Carsharing abroad: Does your insurance cover apply internationally?
The question of the validity of car sharing insurance abroad is of great importance to many users, especially when planning trips where car sharing is to be used as a mobility option. Cover abroad can vary depending on the plan and insurance provider. With Nextsure's car sharing insurance, our goal is to offer you flexible and transparent solutions here as well. In most of our plans, the use of car sharing vehicles in European countries is covered. However, it is essential that you check the exact terms of your contract before traveling abroad. Pay attention to geographic restrictions and any differences in coverage compared to domestic use. Sometimes different maximum coverage amounts or specific conditions for reporting claims apply abroad. Also, find out if certain car sharing providers abroad are excluded from coverage. If you wish to use car sharing outside Europe, please discuss this explicitly with us, as a separate agreement or special plan may be necessary. As your partner for niche insurance, Nextsure strives to provide you with the best protection on the go. Consult your policy documents or contact our customer service to ensure your car sharing adventures abroad remain worry-free.
What exactly is meant by the excess in car sharing?
Car sharing is more than just a trend; it is an integral part of the evolving urban mobility and a key component for more sustainable transport concepts. The future of car sharing promises further innovations: from autonomous vehicle fleets to even greater integration into multimodal mobility platforms and specialised offers for different user groups. This dynamic development also poses new challenges for insurance solutions. nextsure, as an innovative insurtech company and specialist in niche insurance, closely monitors these trends to always offer you up-to-date and tailored protection. Future car sharing insurance will likely become even more flexible and personalised. It is conceivable to have policies that dynamically adapt to individual usage patterns (Pay-per-Use, Pay-how-you-drive) or cover specific risks associated with new vehicle technologies (e.g., cybersecurity for connected vehicles). The complete digitalisation of contract signing and claims management, as already practiced by nextsure, will become standard. Additionally, integrating insurance services directly into the booking processes of car sharing providers will increase. Our mission is to actively shape this transformation and to continue providing you, as a digitally savvy customer, with tailored, easy-to-understand, and comprehensive insurance solutions for your car sharing usage in the future.
