Are renters covered?
At Fat Llama, we’ve got your back. We understand that accidents can happen, and that’s why you're covered for accidental damage and accidental loss while using the item(s) during your rental period. Rent with confidence, knowing that you won’t be left out of pocket if something goes wrong unexpectedly.
You’re covered for accidental damage or accidental loss while using the rented item during the rental period.
Coverage is up to £25,000 / $30,000 USD / $40,000 CAD per item, depending on the country.
In short, if something happens that’s out of your control, we’ve got you covered.
However, you have an obligation not to be negligent. If you are negligent, you may be held liable for the damages you cause. Please make sure to use the item responsibly.
If an accident happens and the item is damaged or lost during your rental period:
Contact the owner immediately and let them know what happened.
The owner will submit a claim to Fat Llama.
We’ll review the claim and, if it qualifies, cover the costs of repair or replacement.
Negligence – Forgetfulness, carelessness, improper use, or under-skilled operation.
Unauthorized Use – Using an item in a way that violates its intended purpose.
Third-Party Involvement – Lending or subletting an item to someone else.
Late Returns – Failure to return an item on time may impact coverage.
Unverified Accounts – Renters must be fully verified to be eligible for protection.
For a detailed explanation of these exceptions, please refer to Renter - What's not covered
If you already have personal insurance, we’ll ask you to claim through that first. If the claim is denied, you’ll need to provide us with written evidence from your insurer before proceeding with Fat Llama’s coverage.
We want to make renting safe, simple, and worry-free. If you have any questions, reach out to us – we’re happy to assist!
Useful links:
What are the basic requirements of Fat Llama users?
Insurance Checklist for Renters
What’s Covered?
You’re covered for accidental damage or accidental loss while using the rented item during the rental period.
Coverage is up to £25,000 / $30,000 USD / $40,000 CAD per item, depending on the country.
In short, if something happens that’s out of your control, we’ve got you covered.
However, you have an obligation not to be negligent. If you are negligent, you may be held liable for the damages you cause. Please make sure to use the item responsibly.
What Should I Do If an Item Gets Damaged or Loss?
If an accident happens and the item is damaged or lost during your rental period:
Contact the owner immediately and let them know what happened.
The owner will submit a claim to Fat Llama.
We’ll review the claim and, if it qualifies, cover the costs of repair or replacement.
What’s Not Covered?
Negligence – Forgetfulness, carelessness, improper use, or under-skilled operation.
Unauthorized Use – Using an item in a way that violates its intended purpose.
Third-Party Involvement – Lending or subletting an item to someone else.
Late Returns – Failure to return an item on time may impact coverage.
Unverified Accounts – Renters must be fully verified to be eligible for protection.
For a detailed explanation of these exceptions, please refer to Renter - What's not covered
If You Have Your Own Insurance
If you already have personal insurance, we’ll ask you to claim through that first. If the claim is denied, you’ll need to provide us with written evidence from your insurer before proceeding with Fat Llama’s coverage.
We’re Here to Help!
We want to make renting safe, simple, and worry-free. If you have any questions, reach out to us – we’re happy to assist!
Useful links:
What are the basic requirements of Fat Llama users?
Insurance Checklist for Renters
Updated on: 09/02/2025
Thank you!