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FAQ

I have home and contents insurance. Why do I need ShareCover?

Home and contents insurance does not automatically cover your property when you rent it out on platforms like Airbnb, Stayz or TripAdvisor.

In fact, your existing home and contents insurance may not provide cover if you use your property for any commercial purpose, including short-term renting or home-sharing on recognised platforms. So, even if you only rent your property out on Airbnb or Stayz for a couple of nights a year, you might be unprotected from any property damage that occurs during a guest’s stay.

This is why ShareCover exists. ShareCover is designed to cover you against certain risks associated with having short-term guests rent your property.

These risks may not be covered by your standard home and contents insurance, landlord insurance policy, or by the guarantees and covers provided by certain recognised sharing economy platforms. ShareCover provides additional covers specifically designed for hosts renting their property on recognised sharing economy platforms like Airbnb, Stayz and TripAdvisor.

ShareCover gives you peace of mind to support your participation in the sharing economy.

For full details on what ShareCover does and doesn’t cover, see our Product Disclosure Statements. And to find out what you are covered for under your existing insurance arrangements, refer to those policies.

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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.