What is the basic insurance coverage Zipcar provides?

Members who comply with the membership contract are covered by Zipcar physical damage insurance on the Zipcar vehicle 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 Zipcar vehicle damage is covered by Zipcar insurance.

The damage fee can be reduced or eliminated with the purchase of optional damage protection coverage.

Zipcar insurance also includes secondary third-party liability coverage and, where required, 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 coverage is only available after a member has exhausted any other applicable coverage. To see the details of your third-party liability coverage, please read the "Third Party Liability" section of the Zipcar membership contract. 

Keep In Mind

  • 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 than what is described above
  • For accident claims in Canada, members who comply with the membership contract are covered by our automobile liability insurance policy of $1,000,000, plus provincial minimum levels for other statutorily required coverages, as well as comprehensive and collision coverage; and are subject to all its terms, conditions, and exclusions
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