Insurance & Protection Policy

2. Navo Host Protection Program

Navo offers Hosts a contractual protection program during active, confirmed rental periods. Under this program:

• Physical damage coverage: Navo will facilitate reimbursement for documented, verifiable physical damage to a Host's vehicle caused by a Renter during an active trip, up to the vehicle's actual cash value (ACV), less any applicable deductible.
• Deductible: A Host deductible may apply per incident as disclosed at onboarding.
• Theft coverage: Covered in the event of theft during an active trip, subject to a police report and documentation requirements.

2.1 Exclusions — Host Protection

Host protection does NOT cover:

• Damage occurring outside an active trip period.
• Normal wear and tear, mechanical failure, or pre-existing damage.
• Damage resulting from a Host's own negligence or misrepresentation.
• Damage caused by an unauthorized driver.
• Damage to third-party property or third-party bodily injury (covered separately).
• Diminished value claims.
• Loss of income during vehicle repair.
• Damage occurring during a prohibited use.

3. Third-Party Liability — Renters

During active, confirmed trips, Navo provides or facilitates third-party liability coverage for Renters as required by applicable state law. Coverage limits are disclosed at booking and are subject to applicable exclusions.

3.1 Exclusions — Renter Liability Coverage

• Operation of the vehicle by an unauthorized driver.
• Operation under the influence of alcohol or drugs.
• Prohibited uses (see Renter Agreement).
• Intentional acts.
• Commercial livery use.

4. Renter Protection Plans

Navo may offer optional Renter protection plans at checkout that limit a Renter's out-of-pocket exposure for vehicle damage. These plans:

• Are contractual products, not insurance.
• Do not cover third-party injury or property damage.
• Do not apply if a prohibited use violation is established.
• Must be selected before the trip begins; they cannot be added retroactively.

5. Your Personal Insurance

Renters: Your personal auto insurance may extend to rental vehicles. Contact your insurer to confirm. Some credit cards also provide rental protection.

Hosts: Personal auto insurers may deny claims related to peer-to-peer rental use. Hosts should obtain a commercial or rideshare-compatible policy, or a policy specifically designed for car-sharing Hosts.

Navo strongly recommends consulting an independent insurance agent before listing or renting a vehicle.

6. Claims Process

To file a damage or liability claim:

1. Report the incident through the Navo app within 24 hours.
2. Provide photos, a police report (if applicable), and any other requested documentation.
3. Navo's claims support team will review and facilitate resolution.
4. Resolution timelines vary; Navo does not guarantee specific timelines.

Navo acts as a facilitator of claims and does not guarantee the outcome of any claim.