Powersports Rental Insurance Explained
Powersports rental insurance covers damage to the rented machine and, in some cases, your liability if you injure someone or damage property. Coverage varies by source: commercial rental shops bundle mandatory CDW into their rates, while peer-to-peer rentals on ThrottleShare may require you to rely on personal, travel, or credit card insurance.
Commercial Rental Shop Insurance (CDW)
Rental shops require a Collision Damage Waiver (CDW) at $40–80/day. This protects the shop's machine — it limits your financial liability for machine damage up to a deductible (typically $500–$1,500).
CDW does not cover injury to yourself, injury to third parties, or damage to other property. You may also still be on the hook for the deductible.
Peer-to-Peer Rental Insurance on ThrottleShare
ThrottleShare transactions are secured through Stripe for payment processing. Each owner sets their own damage policy — review it on the listing before booking.
Renters are encouraged to check their own insurance sources before booking:
- •Personal powersports/ATV insurance — covers your own machine and sometimes machines you borrow or rent
- •Travel insurance — many travel policies cover rental vehicle damage including ATVs and watercraft
- •Credit card purchase protection — some premium cards cover rental damage; check your cardholder terms
- •Homeowners/renters insurance — some policies extend to recreational vehicle liability
What to Check Before Every Rental
- 1Read the owner's damage policy on the ThrottleShare listing
- 2Call your personal insurance company and ask if your policy covers rented ATVs or watercraft
- 3Check your travel insurance if you're booking for a trip
- 4Check your credit card benefits guide for rental vehicle damage coverage
- 5Document the machine's condition at pickup with photos
For Owners: Protecting Your Machine
As a ThrottleShare owner, review your existing powersports insurance policy to understand coverage when your machine is rented to others. Some personal policies exclude commercial use. Consider adding a standalone rental liability endorsement if your primary policy has gaps. Set clear damage policies in your listing and collect a security deposit as permitted by your terms.
Frequently Asked Questions
Does ThrottleShare provide rental insurance?
ThrottleShare provides secure payment processing via Stripe. Each owner sets their own damage policy. Renters should verify coverage through personal, travel, or credit card insurance before booking.
Do I need insurance to rent an ATV on ThrottleShare?
Check your personal powersports insurance, travel insurance, and credit card benefits. Some policies cover rented recreational vehicles. Review the owner's damage policy on each listing.
Browse Rentals With Confidence
ThrottleShare connects you with verified private owners. Review owner policies, secure your own coverage, and ride.