Renter - What's not 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.
While we’ve got you covered in most cases, the guarantee does not apply if damage or loss occurs due to negligence. Here are some examples:
Forgetting to return the item.
Forgetting where you left it.
Forgetting parts of a rental package.
Leaving the item(s) unattended and/or unobserved at any time.
Leaving the item(s) in public places, transport, vehicles or in a park.
Leaving the item(s) in unsafe inappropriate weather and temperature environments (e.g., rain, snow, frost, freezing, damp, heat conditions) that the item is not rated for
Using non-waterproof items near or around an open body of water.
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:
Overloading or applying too much force or to little weight to an item.
Using incorrect parts or mismatching electrical specifications.
Using the item in ways it was not designed or intended for and is likely to cause damage.
Dropping a drone due to lack of experience in piloting.
Using a camera underwater when it’s not waterproof.
Modifying or tampering with a rented item, causing damage.
Overloading a generator beyond its recommended capacity, leading to failure.
Keeping an item beyond the agreed rental period and reporting it lost after several days.
Returning an item damaged after an extended delay.
Only verified renters are covered. To ensure eligibility:
Complete identity verification through Fat Llama before renting.
Provide accurate and up-to-date account details.
If an item requires special skills, training, or a license to operate, renters must meet these requirements before use.
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 Not Covered?
While we’ve got you covered in most cases, the guarantee does not apply if damage or loss occurs due to negligence. Here are some examples:
1. Forgetfulness
Forgetting to return the item.
Forgetting where you left it.
Forgetting parts of a rental package.
2. Carelessness
Leaving the item(s) unattended and/or unobserved at any time.
Leaving the item(s) in public places, transport, vehicles or in a park.
Leaving the item(s) in unsafe inappropriate weather and temperature environments (e.g., rain, snow, frost, freezing, damp, heat conditions) that the item is not rated for
Using non-waterproof items near or around an open body of water.
3. 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:
Overloading or applying too much force or to little weight to an item.
Using incorrect parts or mismatching electrical specifications.
Using the item in ways it was not designed or intended for and is likely to cause damage.
Dropping a drone due to lack of experience in piloting.
4. Unauthorized Use
Using a camera underwater when it’s not waterproof.
Modifying or tampering with a rented item, causing damage.
Overloading a generator beyond its recommended capacity, leading to failure.
5. Late Returns
Keeping an item beyond the agreed rental period and reporting it lost after several days.
Returning an item damaged after an extended delay.
6. Unverified Accounts
Only verified renters are covered. To ensure eligibility:
Complete identity verification through Fat Llama before renting.
Provide accurate and up-to-date account details.
7. Lack of Skill or Qualifications
If an item requires special skills, training, or a license to operate, renters must meet these requirements before use.
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!