From the Rider Share Insurance Policy page:
As a Renter (not Owner), if you decline our protection plan, you are liable for all damage caused during the rental . Owners are ALWAYS protected by Riders Share as long as they adhere to our policies, with no deductible. Riders Share's protection plan does not apply to gear and accessories rented through Riders Share; it only applies to motorcycles. We can, however, bill renters for damaged gear to reimburse you.
PROOF OF INSURANCE
COVERAGE IS ONLY VALID INSIDE THE UNITED STATES OF AMERICA AND IN CANADA.
The coverage, provided by Crum & Forster, is as follows:
Effective October 3rd 2018:
Renters face deductibles based on the selected coverage at check out. Owners do not.
Limit for damage/theft coverage is lowest of Actual Cash Value or $15,000; amounts exceeding that are responsibility of the Renter.
Insurance coverages are limited to require motor vehicle State Minimums, with options for higher liability insurance limits during check out. Higher liability limits help protect you from costs associated with injuries or property damage suffered by others in an accident caused by you while operating the rented motorcycle. Damage exceeding the third party liability limits are responsibility of the Renter. Coverage applies to all states in the United States and Canada EXCEPT for vehicles registered in the state of New York. Coverage does not extend outside the United States and Canada.
The deductible is paid by the renter; barring that, by Riders Share; not the owner. There is no passenger insurance coverage. Disclosure: insurance does not cover all financial risk associated with any motor vehicles use.
If you have additional questions regarding the protection plan, please contact us at
support@riders-share.com.
To file a claim, call the number on the insurance card that is attached to your booking. It is the same insurance card for all bookings/motorcycles. The number is (800) 690-5520. See
Owner Guidelines/
Renter Guidelines for instructions on how to proceed in the event of an incident.
If the insurance company does not respond immediately, please leave a voicemail and contact us at
support@riders-share.com.
Insurance cards may be found in the "documents" section of your booking or trip.