A Complete Insurance Overview for TREVO Hosts
What is Private Motor Insurance?
Private Motor Insurance is a standard car insurance policy designed to protect you when you're using your vehicle for personal or private use only. It's commonly purchased by everyday drivers and is required by law in Malaysia to drive on public roads.
What Does Private Motor Insurance Typically Cover?
Depending on your coverage type (Third Party, Third Party Fire & Theft, or Comprehensive), it usually includes:
Accidents while driving for personal use
Fire or theft damages
Injury or damage to others (third parties)
Why Private Insurance Doesn’t Cover TREVO Bookings?
Once you list your car on TREVO, it's considered part of a peer-to-peer (P2P) car sharing platform. That means the car is no longer being used solely for personal purposes, and most Private Motor Insurance policies exclude commercial or rental activity.
⚠️ Important:
If an accident occurs during a TREVO booking, your private insurance claim could be denied. This may leave you personally liable for damages or losses.
What Should You Do as a Host?
Renewing Insurance via TREVO Guard
TREVO makes it simple for Hosts to renew their Private Motor Insurance through the app. The policy is provided by a P2P-compliant insurer, ensuring it’s suitable for car sharing.
What is the P2P Insurance Add-On?
The P2P Insurance Add-On activates only during TREVO bookings. It fills the gap left by standard policies and ensures you’re protected when your car is being used on the platform.
TREVO Guard
TREVO Guard is a specialized protection plan developed in partnership with Allianz General Insurance, tailored for TREVO Hosts. It ensures your vehicle is protected during every booking.
Benefits of TREVO Guard:
Comprehensive P2P coverage during TREVO bookings
Confidence and peace of mind every time you host
How TREVO Guard Works
Once your car is TREVO Guarded (protected under a P2P-compliant policy via Allianz), the P2P Insurance Add-On becomes active. This provides:
Coverage for accidents, theft, fire, and third-party liabilities
Protection for both Host and Guest
Seamless, uninterrupted insurance while your car is rented
What is TREVO Shield — and How is it Different?
Unlike TREVO Guard, TREVO Shield is not an insurance add-on. Instead, it’s a commission-based benefit package for Organic Hosts.
Here’s how it works:
TREVO Shield offers tiered protection and benefits based on the commission rate you agree to give TREVO for your bookings.
The higher the commission rate, the more benefits and protection you receive (e.g. lower deductibles, better earnings protection, and other platform perks).
It’s designed to reward Hosts who contribute more to the platform with greater support and coverage.
Learn more TREVO Shield Plans and benefits.
To receive TREVO Shield, your Base Policy (Private Motor Insurance) must be purchased from the P2P Insurer via TREVO Guard.
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