Ctrl-F "insurance" - no results. If I use a startup to lend my car to someone, and they're involved in an accident, whose insurance covers it?
To start using some unregulated operation like 'AirBnB for cars' I would need do be paying virtually nothing as an incentive. And, from the examples I've seen so far, this is no way the case.
Also £100 is not their standard excess, so you're paying for the reduced liability. (Also, they like to tell you every time in the hard sell that the £1,000 excess is for each and every incident and the full amount will be taken immediately... ?! Not sure how true that is)
However, they have the most branches in the UK of any rental company, so they're often extremely convenient.
In theory then, I'd be better off taking the bigger risk but there is also Murphy's law to consider.
Maybe I have been lucky but I've found them to be much better than the alternatives and a lot more laid back about stuff like fuel levels and return times.
I don't drive much these days so I don't want the hassle of having a transferable insurance policy.
What I'm really saying is I'm happy with renting from an established company and it's going to take more than a small cost saving to tempt me away.
The answer to your question depends on where you are.
> Our insurance program provides auto insurance to cover renters and vehicles that meet our Eligibility Requirements. Coverage applies for the duration of each rental, from start to finish, and includes liability, collision and comprehensive (e.g., fire, auto theft, vandalism) coverage.
Why is it so hard to believe that the players at a poker table couldn't be evenly matched?
If you don't know who's insurance covers it and no-one will tell you, it's safe to assume that you are the one who will be liable.