How Does Powersports Rental Insurance Work?
Powersports rental insurance covers damage to the rented machine and in some cases your liability. Commercial rental shops require mandatory CDW at $40–80/day. On peer-to-peer rentals through ThrottleShare, coverage depends on the owner's policy plus any personal, travel, or credit card insurance you hold. Always verify coverage before booking.
CDW at Rental Shops — What It Actually Covers
A Collision Damage Waiver (CDW) at a rental shop limits your financial liability for damage to the machine — usually up to a deductible of $500–$1,500. The shop eats the rest if the machine is damaged.
What CDW does NOT cover: your personal injury, third-party injury, damage to other property, theft, or damage from negligence. CDW protects the shop's asset — not you.
Peer-to-Peer Rentals on ThrottleShare
Each ThrottleShare owner sets their own damage policy — read it on the listing before booking. ThrottleShare uses Stripe for secure payment processing.
Renters should check these sources for coverage:
- •Personal powersports/ATV insurance — may cover machines you rent or borrow
- •Travel insurance — many policies cover ATV and watercraft rental damage
- •Credit card rental protection — check your premium card benefits for recreational vehicle coverage
- •Homeowners/renters insurance — some extend to recreational liability
What to Do Before Every Rental
- 1. Call your personal insurance and ask if your policy covers rented ATVs or watercraft.
- 2. Read the owner's damage policy on the ThrottleShare listing.
- 3. If booking for a trip, check your travel insurance certificate for recreational vehicle coverage.
- 4. Check your credit card benefits guide.
- 5. Photograph the machine from all angles at pickup — timestamp your photos.
For ThrottleShare Owners
Review your existing powersports insurance policy. Some personal policies exclude commercial rental use. Contact your insurer to ask about adding a rental endorsement. Set a clear damage policy on your listing and collect a security deposit where appropriate.
Frequently Asked Questions
Does ThrottleShare provide insurance for renters?
ThrottleShare provides secure Stripe payment processing. Each owner sets their own damage policy. Renters should verify personal, travel, or credit card coverage before booking.
Do I need CDW to rent an ATV from a private owner?
CDW is a rental shop product. For private owner rentals on ThrottleShare, review the owner's damage policy and verify your own insurance coverage before booking.
Rent With Confidence on ThrottleShare
Browse owner-listed machines, review each owner's policy, secure your coverage, and ride.