At Fat Llama, we’ve got your back. We know accidents happen, which is why you're covered for accidental damage and accidental loss during your rental period. Rent with confidence, knowing you won’t be left out of pocket for unexpected mishaps.
What’s Not Covered?
While our guarantee covers most situations, there are instances where coverage does not apply—especially if damage or loss occurs due to negligence. Below are some examples:
1. Forgetfulness
Forgetting to return the item.
Misplacing the item.
Forgetting parts of a rental package.
2. Carelessness
Leaving the item unattended at any time.
Leaving the item in public places, transport, vehicles, or parks.
Exposing the item to unsuitable weather conditions (e.g., rain, snow, frost, extreme heat).
Using non-waterproof items near open water.
3. Improper Use
Not following the specified or reasonable usage guidelines.
Overloading an item or applying incorrect force/weight.
Using incorrect parts or mismatching electrical specifications.
Using the item in unintended ways that may cause damage.
Dropping a drone due to lack of piloting experience.
4. Unauthorized Use
Using a non-waterproof camera underwater.
Modifying or tampering with a rented item.
Overloading a generator beyond its capacity, causing failure.
5. Late Returns
Keeping an item beyond the agreed rental period and later reporting it lost.
Returning an item damaged after a significant delay.
6. Unverified Accounts
To be eligible for coverage, borrowers must:
Complete identity verification through Fat Llama before renting.
Ensure account details are accurate and up to date.
7. Lack of Skill or Qualifications
If an item requires special skills, training, or a license to operate, borrowers must meet these requirements before use.
If You Have Your Own Insurance
If you already have personal insurance, we’ll ask you to file a claim through your provider first. If your claim is denied, you’ll need to provide written evidence from your insurer before proceeding with Fat Llama’s coverage.
We’re Here to Help!
We want to make renting safe, simple, and worry-free. If you have any questions, reach out to us—we’re happy to assist!