Are renters covered?
Renters are covered for accidental damage and accidental loss while they are using the items during their rental period. We want you to rent without worrying about what happens in case of an accident.
The guarantee covers a value up to £25,000 / $30,000 USD / $40,000 CAD (depending of country of the item) per item
In short, the item you rent is always insured. However, you have an obligation not to be negligent. If you are negligent, you may be held liable for the damages you cause.
If an accident occurs during the rental period resulting in damage to the rented item, you must contact the owner as soon as possible and inform them of what has happened. It is the owner who contacts Fat Llama to submit an insurance claim.
There are some exceptions to the guarantee, as for example in the case of negligence, which we define as:
Forgetfulness
You forget to return an item
You forget where you left an item
You forget parts of an item or rental package
Carelessness
Leaving item(s) unattended or unobserved at any time
Leaving item(s) on public transport or in a park
Leaving item(s) unattended in a vehicle
Leaving item(s) in an unsafe environment, particularly inappropriate weather and temperature conditions such as rain, snow, frost, freezing, damp, heat conditions that the item is not rated for
Using equipment around an open body of water that is not designated as waterproof
Improper use
Use should be restricted to the specified or reasonable parameters for the item. Renters should consult Owners if they are unsure about proper use.
Examples include but are not limited to:
Applying too much or too little weight to an item
Mismatching wattage
Using incorrect parts
Using items in ways that they were not intended for and is likely to cause damage
Under-skilled for the operation of the device
Operator does not have the appropriate level of skill, licence, or qualifications to operate the items
If you as a renter already hold personal insurance, we will ask you to first try to claim on your existing insurance before you can proceed with a case with Fat Llama. If this proves unsuccessful, you will need to provide us with written evidence that the insurers declined the claim.
Useful links:
What are the basic requirements of Fat Llama users?
Insurance Checklist for Renters
In general it works like this:
The guarantee covers a value up to £25,000 / $30,000 USD / $40,000 CAD (depending of country of the item) per item
In short, the item you rent is always insured. However, you have an obligation not to be negligent. If you are negligent, you may be held liable for the damages you cause.
What do I need to do in case of damage during the rental period?
If an accident occurs during the rental period resulting in damage to the rented item, you must contact the owner as soon as possible and inform them of what has happened. It is the owner who contacts Fat Llama to submit an insurance claim.
Exceptions to the guarantee (negligence)
There are some exceptions to the guarantee, as for example in the case of negligence, which we define as:
Forgetfulness
You forget to return an item
You forget where you left an item
You forget parts of an item or rental package
Carelessness
Leaving item(s) unattended or unobserved at any time
Leaving item(s) on public transport or in a park
Leaving item(s) unattended in a vehicle
Leaving item(s) in an unsafe environment, particularly inappropriate weather and temperature conditions such as rain, snow, frost, freezing, damp, heat conditions that the item is not rated for
Using equipment around an open body of water that is not designated as waterproof
Improper use
Use should be restricted to the specified or reasonable parameters for the item. Renters should consult Owners if they are unsure about proper use.
Examples include but are not limited to:
Applying too much or too little weight to an item
Mismatching wattage
Using incorrect parts
Using items in ways that they were not intended for and is likely to cause damage
Under-skilled for the operation of the device
Operator does not have the appropriate level of skill, licence, or qualifications to operate the items
If you as a renter already hold personal insurance, we will ask you to first try to claim on your existing insurance before you can proceed with a case with Fat Llama. If this proves unsuccessful, you will need to provide us with written evidence that the insurers declined the claim.
Useful links:
What are the basic requirements of Fat Llama users?
Insurance Checklist for Renters
Updated on: 16/01/2025
Thank you!