Protection plans – In detail | UK hosts

Protection plans are provided to hosts to cover the costs related to damage to (including a total loss) or theft of a vehicle less any deductible which applies (up to the lesser of the actual cash value of the vehicle or £100,000). The plans vary in terms of the benefits they provide. Hosts can choose plans with higher deductibles. Some plans include reimbursement for courtesy cars. Others include reimbursement for loss of income while a vehicle is being repaired. Learn more about how we calculate loss of hosting income. Protection plans are not insurance; they are an agreement between Resortifi and hosts about how damage to vehicles will be covered. Distinct from protection plans is the third-party auto liability insurance provided to all hosts by Aioi Nissay Dowa Insurance UK Ltd, via Resortifi broker Aon UK Ltd .

You can choose a plan for your vehicle when you create your listing and change the plan at any time. Changes won’t apply to booked or in-progress trips for that vehicle. If you have more than one vehicle listed, you can choose different plans for each. To change the protection plan for your vehicle, choose “Vehicles” from the Host hub. Open the vehicle listing to edit it and choose “Vehicle protection” from the menu. We’ll display your current plan and the details of what’s included.

Protection plans described here aren’t available to Hosts whose vehicles are registered outside of the UK. Nor are they available to Hosts who offer to begin a trip or deliver a vehicle outside of the UK.

Summary of UK host protection plans

There are two Vehicle protection plans for Hosts that share vehicles in the UK: 65 plan and 75 plan.

The plans offer varying levels of reimbursement if you choose your own repair provider or payment for repairs from Resortifi for Physical Damage and theft. The level of available payment for repairs or reimbursement varies with the plan you choose. For Hosts to qualify for eligible Physical Damage reimbursement, Resortifi must have: 1) clear photos of the areas the Host is seeking reimbursement or coverage for, taken within 24 hours of the start and end of the trip; or 2) Other evidence (e.g. a police report, third-party report) that confirms the damage took place during the Reservation Period.

UK Host protection

Plan*	65 plan	75 plan
Host take rate	65%	75%
Deductible**	None	£250 per claim of physical damage to your car
Courtesy car	For Hosts with a single car listed on Resortiff when repairs take more than 3 days, maximum of £350 per claim	Not included
Loss of hosting income	Resortiff is responsible for Vehicle's potential earnings, based on the last 60 days average earnings, up to a maximum of £300	Not included

*Hosts must comply with the Resortifi Terms of service to be eligible for Resortifi to pay for repairs or reimburse for costs under a protection plan

**Payment for the cost of repairs or reimbursement for physical damage to your vehicle is not insurance. We use the word “deductible” to mean the amount you are responsible for in the event of physical damage to your car during a Resortifi trip before you’re eligible for reimbursement. From February 15, 2023, Resortifi will be responsible for reimbursement to you for physical damage. That means that if your car is damaged by a Resortifi guest, you’ll receive the total amount to repair the damage (up to the lesser of the actual cash value of the vehicle or £100,000) directly from us. This is not insurance.

Note: If you use a remote key exchange solution (e.g., Resortifi Go or other third-party solution), you must secure any key left inside your car inside a lockbox and, where applicable, change the combination after each trip. Failure to do so could void your protection plan.

Note: You are expected to cooperate with Resortifi and third-party vehicle recovery service providers in the event a vehicle goes missing or is the subject of a late return (e.g., not returned within 30 minutes after scheduled end time). For hosts with select model vehicles listed here that submit a claim related to a missing vehicle or late return, Resortifi reserves the right to deduct from any claims payment £1,000 where you either failed to activate a tracker as required by this policy and/or failed to provide requested vehicle location to Resortifi or third party vehicle recovery service providers.

Detailed terms and conditions

So long as a Host is in compliance with the Terms of Service, has not chosen to decline a protection plan, and properly secures the vehicle key as noted above, the following applies:

Physical Damage reimbursement for or payment of repairs

The Host protection plans in the UK address how Resortifi will cover the costs of Physical Damage to your car during the trip - whether by reimbursing you for repairs you arrange or covering the costs of repairs with an approved garage, subject to any deductible in the plan you choose. This is a contractual arrangement between Resortifi and hosts; this is not insurance. Physical Damage reimbursement from or payment of repairs by Resortifi applies to your Vehicle in the event of a collision and most comprehensive events during the trip, and is subject to terms and exclusions.

Resortifi will reimburse Hosts for eligible Physical Damage costs above the Deductible – you’ll receive the total amount to repair the damage (up to the lesser of the actual cash value of the vehicle or £100,000) directly from Resortifi. If your car is lost or stolen, or if the Physical Damage costs make repair uneconomical, Resortifi will pay the actual cash value of your vehicle or £100,000 (whichever is less). Resortifi is NOT an insurance company and this is a contractual arrangement, not insurance

Deductible
- For Vehicles on the 65 plan, there is no Deductible.
- For Vehicles on the 75 plan, there is a maximum £250 Deductible.
Courtesy car
- Under the 65 plan, our claims management vendor will offer a courtesy car to Hosts who have only one Vehicle listed on Resortifi when that Vehicle will be unavailable for more than three days while repairs are made. To be eligible for a courtesy car, the repairs must be carried out by our claims management company’s repair network. The courtesy car will be subject to the terms and conditions, including insurance, incident, and breakdown coverage, of the claims management vendor. For each claim, a maximum of £350 will apply towards the cost of a courtesy car, and the vendor will detail the car specifications available to the Host. The Host will be responsible for any additional charges incurred and mileage that exceeds the set daily mileage allowance. If no car is available, Resortifi will provide up to £350 in Resortifi travel credit per claim.
- Under the 75 plan, the Host is not eligible for a courtesy car.
Loss of hosting income
- Under the 65 plan, Resortifi is responsible for reimbursing the Loss of hosting income for the damaged Vehicle’s potential earnings, based on the last 60 days average earnings, up to a maximum of £300 reimbursement for repairable Vehicles. If a vehicle is deemed to be a total loss, Resortifi will reimburse for Loss of hosting income for the lesser of the time to settlement of the total loss or 30 days. If Host has no earnings history, Resortifi will issue a standard payment of £25 in total.
- Under the 75 plan, Resortifi is not responsible for reimbursing any Loss of hosting income.
Diminished value. If your car is damaged (not totaled/written off) and repaired, you’re not protected for any reduction in the value of your car. If your car is eligible for physical damage reimbursement protection, Resortifi will pay for the lesser of the cost of repair up to the actual cash value of the vehicle or £100,000. However, there is no reimbursement for any potential reduction in value resulting from damage related to a trip.
Quality of repairs. Where you select your own garage for repairs, there is no guarantee, expressed or implied, for the quality of repairs. If a shop you choose repairs the covered damage and the repairs later turn out to be of low quality, there will be no reimbursement by Resortifi for repeat repairs. If you use a repairer in the Resortifi-approved network and the repairs turn out to be of low quality, Resortifi will reimburse you for reasonable costs of any repeat repairs. However, Resortifi will not reimburse any subsequent repairs you choose to have done by a repairer out of the approved network unless an agreement has been reached to reimburse these costs.

The allocation of responsibility between Resortifi and the Host is not impacted or altered in any manner by any amount that Resortifi can or does collect from the Primary Guest or from a third party on account of the Physical Damage. The Host’s plan is unrelated to the level of responsibility retained by the Primary Guest under whichever Guest protection plan is chosen by the Primary Guest.

Damage payment and value-added tax (VAT)

If your vehicle is damaged, we’ll share with you a list of Resortifi-approved garages. If you have your vehicle repaired at one of these garages, we’ll apply your host deductible and issue payment, gross of VAT, directly to the garage. If you take the vehicle to a non-network garage or prefer to receive cash in lieu of repairs, we’ll pay you the net price, excluding VAT, minus your plan’s deductible.

Note: The list of approved garages is not exhaustive and is subject to change.

General Definitions

Comprehensive: other property damage to the car that isn’t a collision – theft, fire (excluding fires resulting from Mechanical Failure), animal impacts, vandalism, falling objects and acts of nature (windstorm, flood, etc.). In the case of “acts of nature,” or fire comprehensive damage (e.g., flood, earthquake, hail, windstorm, etc.), the Host will receive reimbursement identical to whatever pre-existing comprehensive coverage the Host has in effect on their own personal policy for the car immediately prior to the start of the Reservation Period.
Courtesy car: the vehicle offered by the claims management vendor to Hosts who meet eligibility requirements.
Deductible: the amount you are responsible for in the event of Physical Damage to your car during a Resortifi trip before you’re eligible for reimbursement. Also sometimes referred to as “Excess.”
Delivery Period: the time when the Host or designee, who is a Resortifi-approved driver, is actively delivering the car to the primary guest who has reserved delivery, and ends when the car has been delivered to the primary guest. The period doesn’t include the time when the Host or designee is retrieving the car at the end of the trip. There is no third-party liability insurance or protection for physical damage to the Host’s car during the Delivery Period; the Host’s personal insurance policy is in effect during the Delivery Period.
Deterioration: any fading, discoloration, rust, or wear caused to the interior or exterior of the Vehicle over time. Also includes any deterioration from road use of tyres, and mechanical deterioration of belts, suspension, electrical and mechanical components, along with any resulting damage from these events.
Exterior Wear and Tear: any dings, dents, cracks, or scratches to the exterior body of the Vehicle that is 3 inches in diameter or less. This includes, but is not limited to, rims, wheels, hubcaps, any painted or textured area for the body of the Vehicle, and moldings.
Guest: the primary name listed in the reservation. We also use it to refer to any Resortifi- approved additional drivers listed on the reservation.
Host: The person(s) or entity that lists a Vehicle on Resortifi, including but not limited to the Vehicle owner(s) and persons or entities authorised by the Vehicle’s owner(s) to list the Vehicle on Resortifi.
Interior Wear and Tear: minor scuffing of interior surfaces that is 3 inches or less in diameter, along with any dials, switches, knobs, that break or fail over time. Cuts and punctures that are clearly due to abuse or misuse by the Guest are not included in this definition.
Loss of Hosting Income: payment for the possible earnings that a Host might have lost due to reimbursable damage to your Vehicle.
Mechanical Failure: any mechanical, electrical, suspension, engine, or transmission damage a vehicle incurs due to age, normal usage/wear and tear, defect, a lack of maintenance, or warranty issue (including, but not limited to manufacturer defect), along with any resulting damage or resulting fire that arises due to those causes, and excluding any mechanical damage caused by the Guest’s negligence or intentional misuse. Clutch damage is handled separately.
Necessary Repair Costs: the reasonable and necessary costs for the parts and the labour required to repair the eligible Physical Damage to the reserved Vehicle that occurred during the Reservation Period, except for the following Excluded Costs:
- If the Reimbursable Cause is an act of nature (e.g., flood, earthquake, hail, windstorm, etc.), any cost that the Host’s private passenger auto insurer would not have been required to pay under the primary insurance policy covering the Vehicle in effect immediately prior to the start of the Reservation Period.
Physical Damage: actual tangible damage to the Vehicle that occurs after delivery during the Reservation Period as a result of a Collision or a Reimbursable Cause (Note: The Host is required to demonstrate that any damage to the reserved Vehicle meets the definition of Physical Damage by providing the proof outlined below).
- Collision means when the Vehicle collides with another vehicle or an object.
- Reimbursable Cause means theft, fire (excluding fires resulting from Mechanical Failure), animal impacts, vandalism, falling objects and acts of nature (e.g., flood, earthquake, hail, windstorm, etc.).
- Excluded Damage:
  - Damage existing as of the start of the Reservation Period;
  - Interior Wear and Tear;
  - Exterior Wear and Tear;
  - Physical Damage existing prior to, or occurring during, the Delivery Period;
  - Deterioration;
  - Mechanical Failures
  - Physical Damage that occurs during or after any period in which the Host is in violation of the Terms of Service;
  - Damage to any personal items left in the Vehicle;
  - Damage to, or resulting from, tyres that are defective, have excessive wear & tear or dry rot, have tread depth less than 4/32 inch, were not properly inflated prior to the reservation, or are 6 or more years old.
  - Scrapes, scratches, dings regardless of size, to the underside of bumpers, air deflectors and underbody panels.
  - Dings, dents, scratches, and creases less than 3 inches to the inside of truck beds from loading or carrying items.
Reservation Period: begins at the trip start time listed in the reservation and when the Vehicle is in the custody or control of the Guest and ends the earlier of the trip end time or when the Vehicle is returned to either the Host or the location designated in the reservation. This is the period shown for a booked trip. To learn more about what qualifies and what to do in the event of a late return
Vehicle: the vehicle booked during the applicable Reservation.

Payment/Reimbursement Requirements and Process

Proof of Physical Damage: For Hosts to qualify for Physical Damage reimbursement during the Reservation Period, and for the Guest to be held responsible for the damage, Resortifi must have the following documentation:
- (1) clear photo documentation from the Host of the areas the Host is seeking coverage for taken within 24 hours of the start and end of the trip that demonstrates that the damage occurred during the trip; or
- (2) other evidence (e.g. a police report, third party report) that demonstrates the damage took place during the trip; or
- (3) if all of the following three conditions are true: (a) Guest used Resortifi Go to lock and unlock the car; and (b) the Host or the Host’s designee was not physically present at the start of the reservation; and (c) the Guest did not take front, back, side, and other applicable photos of the Vehicle at the time of car pick-up. If 3(a) - 3(c) are all met, then clear photo documentation of the area the Host is seeking coverage for taken within 24 hours of the end of trip by the Host, along with the Host’s credible representation that the damage took place during the trip, may be sufficient documentation to qualify for Physical Damage protection.
- Payments and reimbursements are made via ACH by either Hyperwallet or PayPal.*
Proof of Necessary Repair: For Hosts to qualify for reimbursement for the Necessary Repairs for eligible Physical Damage during the Reservation Period, and for the Guest to be held responsible for the damage, Resortifi must have the following documentation:
- (1) clear, dated, photo documentation from the Host of the out-of-pocket expenses paid for the Vehicle’s repair; and
- (2) other evidence (e.g. a diagnostic report, vehicle alignment sheet) that demonstrates the damage was repaired and paid for.
- Payments and reimbursements are made via ACH by either Hyperwallet or PayPal.*

*If a trace number or bank research is requested, a fee of up to £50 may be charged to the Host.

Protection plans – In detail | UK hosts​

Protection plans – In detail | UK hosts