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FAQ

How does Pay-per-night work with standard home and contents insurance?

The insurance Pay-per-night provides is not the same as the cover from your standard home and contents insurance policy; landlord policy; or from covers and guarantees provided by platforms.

Pay-per-night offers flexible home, contents and liability insurance specifically for those renting their property every now and then through recognised sharing economy platforms like Airbnb, Stayz and TripAdvisor. Pay-per-night can operate in tandem with, your standard home and contents policy, which may not necessarily cover you for damage or loss resulting from acts or omissions of guests renting or sharing your property. This is often because short-term renting and home-sharing are recognised as commercial uses of property, and thus fall outside of cover provided by personal, residential homeowner’s insurance.

Pay-per-night operates as a flexible form of cover, to support your part-time hosting. Make sure to look closely at Pay-per-night to see what it covers and how it works best with homeowner’s insurance.

For more details about how Pay-per-night works, what it does and doesn’t cover, and how to claim, see our Product Disclosure Statements.

If you have doubts or queries about how ShareCover works, please contact us.

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ShareCover is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as ShareCover Enterprises. When making decisions about a product, always read the Product Disclosure Statement (PDS). For home policies, please also read our Key Fact Sheets (KFS) for buildings and contents which set out some of the events/risks covered and not covered by our home policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.

To help you make an informed choice on insurance visit the Australian Government website: www.moneysmart.gov.au

ShareCover Enterprises is owned by Insurance Australia Limited and is not related to either Airbnb, Bolt, Booking.com, DiDi, OLA, Shebah, Spacer, Stayz and Uber. References to these platforms on this website do not constitute an endorsement by these platforms of ShareCover nor an endorsement of these platforms by ShareCover; nor IAG being partnered with these platforms.