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Kap

Insurance

How insurance works for trips and leases on Kapi Cars.

Kapi Cars and the host do not provide insurance. You must buy Bonzah or show proof of your own coverage.

Kapi Cars is a marketplace where rental companies list their cars. Every booking needs collision coverage (damage to the car) and liability coverage (damage or injury to others). You choose how to cover each one at checkout.

Your two options

1. Buy Bonzah coverage at checkout

Bonzah protection is offered at checkout and provided by Bonzah: Pablow, Inc. dba Bonzah.com is the licensed broker of record, and the insurer issuing your policy is named when you buy and in your policy documents. Kapi Cars is a referral partner; we do not sell, solicit, negotiate or advise on insurance. Bonzah coverage is optional, and it may duplicate coverage you already have through your own auto policy or credit card. It is for drivers 21 and older named on the Rental Agreement, trips up to 30 days, and eligible cars.

  • Collision Damage Warranty (CDW): Covers physical damages to the rental vehicle when there is an accident with another vehicle. Flyer (PDF)
  • Renter's Contingent Liability Insurance (RCLI): Covers damage to 3rd parties' property and injury when renter is at fault in accident. Does not cover rental vehicle damage or occupants (where allowed by law). Flyer (PDF)
  • Supplemental Liability Insurance (SLI): Supplements RCLI coverage to enhanced levels of coverage. Not a standalone or primary policy, must be purchased with RCLI. Flyer (PDF)
  • Personal Accident / Personal Effects Insurance: Covers life, medical expenses, and lost or damaged items. Not rental vehicle coverage. Flyer (PDF)

No policy is “full coverage”. Bonzah coverage excludes MedPay, PIP, UIM and UM where permitted by law, and is not for rideshare or delivery work. See excluded vehicles and the Bonzah FAQ.

2. Use your own coverage

  • Personal auto insurance: many policies extend to rental cars. Check with your insurer, then upload your insurance card at checkout.
  • Credit card benefit: some cards cover collision (damage to the car) on rentals, but almost never liability. Check with your card issuer that it covers a car rented through a marketplace like ours. You still need liability from your own policy or Bonzah.
  • Non-owner policy: if you don’t own a car, a non-owner auto policy can provide liability coverage.

We review uploaded proof before pickup, alongside your license.

Leases

Bonzah coverage is limited to 30 days, so it is not available for leases. For a lease you must show your own insurance for both collision and liability before the lease begins.

For hosts

Hosts must carry insurance on their cars that covers rental use, and tell us what they carry when they apply. Bonzah collision coverage does not cover theft, vandalism or single-car accidents and has a $1,000 deductible, so a host’s own policy and our damage-claim process cover those gaps.

If there's an accident

  1. Make sure everyone is safe and call 911 if anyone is hurt.
  2. Take photos of the cars, the scene and the other driver’s license and insurance.
  3. Tell the host and Kapi Cars support right away.
  4. File a claim with your insurer, or with Bonzah if you bought coverage (your policy documents say how).

Damage claims between you and the host follow section 9 of our Terms of Service.

Questions?

Email support@kapicars.com. We can explain the options, but we cannot advise you on which insurance to buy.