Damage protection

Every hire includes a damage waiver, shown in the price before you book. In return for the waiver fee, the most a renter pays for accidental damage is their excess (below), taken from their bond; Four Swags pays the owner for covered damage above that. The waiver is not insurance. [Lawyer to confirm the waiver wording.]

What it costs

The rates below are before GST; GST (10%) is added.

• Low-risk gear: 8% of the hire, at least $5. Most you pay for accidental damage: $100.
• Most camping gear: 10% of the hire, at least $8. Most you pay for accidental damage: $250.
• Water and snow gear: 12% of the hire, at least $10. Most you pay for accidental damage: $300.
• Rooftop tents, caravans and campers: 15% of the hire, at least $25. Most you pay for accidental damage: $1,000.

The fee is worked out on each item's share of the hire (after discounts), and the price you see before you book includes it.

How a claim works

1. The owner lodges a claim at return or within [24] hours, with check-out photos and an amount.
2. The renter has [48] hours to give their side.
3. Four Swags compares the signed pick-up and return checklists, photos and messages and decides what's fair.
4. The renter pays up to their excess from the held bond. Four Swags pays the owner for covered damage above the excess, up to [the item's market value].

Not covered (placeholder)

• Fair wear and tear.
• Damage from misuse or ignoring safety instructions.
• Loss or theft not reported to police within [24] hours.
• Cash, phones and personal items.