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FAQ

How does ShareCover differ from covers or guarantees provided to hosts by some recognised sharing economy platforms?

It’s important to read the terms and conditions of any cover or guarantee to fully understand what’s covered, what’s not covered and the steps necessary to claim payment.

While many recognised sharing economy platforms provide some form of cover or guarantee for hosts renting their property to guests – for example, Airbnb offer a Host Guarantee as well as Host Protection Insurance and Experience Protection Insurance – that may protect hosts for some loss or damage caused by guests, forms of cover like this don’t necessarily cover you for all instances of property damage incurred during a guest’s stay.

Examples of what may not be covered under covers or guarantees provided for hosts by some recognised sharing economy platforms include:

  • Your liability to a guest or other person;
  • Damage to guest property;
  • Loss of rental income;
  • Temporary accommodation;
  • Natural perils;
  • Identity theft;
  • Valuable items and cash;
  • Losses exceeding $1 million;
  • Damages from indirect causes; and
  • Damages from delays

ShareCover isn’t the same as covers or guarantees provided for hosts by some recognised sharing economy platforms; standard home and contents insurance; or landlord insurance.

Rather, ShareCover offers flexible insurance that protects hosts from risks associated with having a guest in their property, when using a recognised platform such as Airbnb, Stayz, and TripAdvisor.

Each ShareCover policy fulfils different host needs and, in some cases, can give you all the cover you may require. Look at our different policy options to see which suits you best.

For full details about what’s covered, what’s not, and how claims work, see our Product Disclosure Statements (PDS).

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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.