For Hosts
GoLow Protection Policy
How trip liability and vehicle damage coverage work on every GoLow reservation.
A marketplace, not an insurer
GoLow LLC is a technology marketplace that connects vehicle Hosts with Guests. GoLow does not own, operate or insure any vehicle. The rental agreement on each trip is between the Host and the Guest.
At checkout, every Guest chooses a Trip Protection option: Basic, Standard, Premium or Decline. Mandatory Liability Insurance is included in the selected option and has no separate charge. Basic, Standard and Premium also include Vehicle Protection for eligible covered damage to the Host's car.
Trip Protection
Mandatory Liability Insurance is included in the Trip Protection option selected by the Guest. It applies to injury or property damage to other people during the trip, subject to the applicable terms, conditions, limits and exclusions. It does not cover damage to the shared vehicle.
This coverage is specific to the rental period and is separate from the Host's personal auto policy. Exact limits, exclusions and claim procedures are disclosed at checkout and in the rental terms accepted before payment.
Vehicle / Physical Damage Protection (optional)
Guests choose a plan at checkout. Each plan limits the Guest's responsibility for eligible damage to the shared vehicle up to a set deductible.
Vehicle Protection is a damage-responsibility program, not an insurance policy sold by GoLow. For Basic, Standard and Premium, the deductible for eligible covered damage is placed on hold on the Guest's card before payment and released when the trip ends, unless an amount is owed. Guests who decline may be responsible for the full cost of eligible damage, theft or loss and authorize a hold of at least $3,000.
Vehicle Protection plans
| Plan | Price | Deductible | Card hold |
|---|---|---|---|
| Basic | Shown at checkout | $2,500.00 | $2,500.00 |
| StandardRecommended | Shown at checkout | $1,000.00 | $1,000.00 |
| Premium | Shown at checkout | $500.00 | $500.00 |
| Decline | No extra cost | Full cost of eligible damage or loss | $3,000.00 minimum |
The selected option's current price is shown at checkout. All protection is subject to the applicable terms, conditions, limits and exclusions in the Terms and Conditions accepted before payment.
What Hosts should know
- Mandatory Liability Insurance is included in the Trip Protection option selected by the Guest. You do not need to collect or manage it separately.
- Your personal auto policy may not cover rentals-for-hire. Contact your own insurer to confirm whether a personal, commercial or peer-to-peer policy is right for your vehicle.
- Keep your registration, insurance documents and vehicle photos up to date in your Host dashboard. GoLow reviews insurance before a listing can be published.
- Inspect the car at pickup and return, document the condition with photos, and report any damage through your Host dashboard within 24 hours.
- All trip communication should stay on GoLow chat so there is a clear record if a claim arises.
How damage claims work
- Document immediately. Take clear photos of the damage, the surrounding area, the odometer and any relevant road or weather conditions.
- Report through GoLow. Open the reservation in your Host dashboard and use the damage-report flow. Include photos, a description and any police or incident report numbers.
- Guest responsibility is applied. The Guest is responsible up to the deductible of the plan they selected, or the full repair cost if they declined Vehicle Protection.
- Resolution. GoLow coordinates payment, capture or hold release based on the documentation and the terms accepted at booking.
Limits and exclusions
Vehicle Protection applies only to eligible covered damage. It does not apply to intentional or reckless conduct, prohibited use, an unauthorized driver, fraud or misrepresentation, failure to report or cooperate with a claim, or other loss excluded by the applicable Terms or insurance policy. The Guest remains responsible for excluded loss and valid amounts exceeding the card hold.
After an accident, theft or damage, the Guest must stop safely, contact emergency services when required, notify GoLow and the Host promptly, preserve photos and other evidence, and cooperate with GoLow and the applicable insurer.
Important legal note
The coverage descriptions, rates and deductibles on this page are the GoLow program design and are subject to approval by a licensed insurance carrier and Florida counsel before they become binding coverage. They are not legal or insurance advice.
The version of these protections that applies to a specific booking is the one accepted by the Guest at checkout, together with the Terms and Conditions in effect at that time.
Questions?
Hosts can read more in the Host FAQ or reach out through the Contact page. For data handling see the Privacy Notice and Security and compliance.