Insurance Coverage

Every member who complies with the membership contract is covered by Zipcar insurance while driving a Zipcar. In the case of an incident, members are responsible for a damage fee of up to the first $1,000 of damage to the Zipcar vehicle, and all further damage is covered by Zipcar insurance.

The damage fee can be reduced or eliminated with the purchase of an optional damage protection plan. To purchase damage protection click here to navigate to your account page, scroll down to my damage fee waiver section, and click learn more or add a waiver. From there, select the plan you’d like to add and confirm.

Zipcar insurance also includes third party liability coverage and Personal Injury Protection (PIP) or "no-fault" coverage. All third party liability and PIP coverage meets the minimum requirements of the state or jurisdiction in which an accident occurs, and the full extent of coverage varies based on a member's age and location. To see the details of your third party liability coverage, please read the "Third Party Liability" section of the Zipcar membership contract.


Coverage may be provided under a certificate of self-insurance, insurance policy, or both. Members who joined Zipcar on a plan affiliated with a business, university, or other entity may have different insurance coverage.