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What risks am I exposed to when using sharing economy platforms? Why might I need cover?

Renting your property always involves risk.

When using sharing economy platforms like Airbnb, Stayz, or TripAdvisor, there are risks associated with having a guest stay in your property, which may include: theft of your personal belongings; identity theft; accidental or malicious damage done by guests; loss of rental income; and liability. This list is by no means exhaustive.

But crucially, while there are some things hosts can do that may minimise risk - click the relevant FAQ 'How do I minimise risk of damage to my property during a stay?' for more information - ultimately the safety of your property can never be guaranteed.

That’s why ShareCover exists - to cover you against certain risks associated with having a guest in your property, which 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 offers peace of mind that you're insured when you rent your property on recognised sharing economy platforms.

For more details on what is and isn’t covered by ShareCover, 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:

ShareCover Enterprises is owned by Insurance Australia Limited and is not related to either Airbnb, Bolt,, 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.