Insurance Policy

For full details on our insurance policy, please refer to our Membership Agreement.

Every member who follows the rules is covered by our insurance whilst driving with Bay Islands Car Share. Please see the highlights below:

  • Comprehensive collision coverage

  • Third party property damage coverage

  • Unlimited coverage for third party bodily injury

  • Members are responsible for a $2900 insurance excess damage fee per incident.

  • This can be reduced to $550 with the optional collision damage waiver (CDW) available for $2/hr or $15/day at the time of booking.

  • Higher risk drivers are responsible for an additional excess


Only active members can drive with Bay Islands Car Share. If you’ve got a fellow member along for the ride, it’s fine to share driving time.


Non-members are not permitted to drive. Even if it’s just to park the vehicle, people who are not active members with Bay Islands Car Share are not insured to drive. If you allow a non-member to drive during your reservation (including valets), your membership will be cancelled.

Damage Policy

In the unlikely event of of an accident our Damage Policy provides a clear and simple framework for resolving the issue.