Host Guarantee and Protection: What It Covers
Your earnings-plan selection sets a host damage-responsibility figure, while the protection terms and insurance disclosure presented for each trip govern eligibility.
Prelaunch: Live trips and claims are not open yet. These figures reflect the current launch configuration and may change before booking opens. The plan snapshot and terms attached to a trip will govern it.
Your damage-responsibility cap, by plan
Every vehicle you list is on one of three earnings plans, and the plan sets both your payout share and the stated host damage-responsibility figure for an eligible claim:
| Plan | Your share of trip price | Your damage responsibility per claim |
|---|---|---|
| Max Protection | 75% | $875 |
| Balanced | 85% | $2,125 |
| Max Earnings | 93% | $3,250 |
Lower damage responsibility, lower earnings share; higher earnings share, higher damage responsibility. Hosts choose a plan per vehicle, and the plan is pinned to a trip when it is booked. Full mechanics: Choosing an Earnings Plan.
The figures above are not insurance limits or guarantees of claim payment. The signed trip terms, eligibility requirements, exclusions, evidence, and final claim decision govern.
Damage that may be eligible
- Collision damage to your vehicle that happens during an active, documented trip, subject to the applicable terms.
- Theft of the vehicle during an active trip, provided it is reported to police within 24 hours and otherwise meets the applicable terms.
Eligibility is subject to the protection terms, claims process, exclusions, and evidence requirements presented for the trip.
Common exclusions
- Prohibited uses — racing, towing, unauthorized off-roading, driving under the influence, subletting, and other uses outside your trip rules. See Prohibited Uses Policy.
- Normal wear and tear — the ordinary scuffs, interior wear, and mileage accumulation that come with any vehicle in regular use.
- Mechanical failure unrelated to a trip incident — if something breaks on its own rather than because of a collision or documented incident, it's not a damage claim.
- Damage not submitted through the normal report flow before its server-enforced deadline. A host can start the report while the trip is in progress or awaiting checkout and during the configured 24-hour period after checkout.
Third-party liability: where we're honest about the gap
This is the part we won't dress up. Afto does not yet have a signed agreement with a licensed insurance carrier.
That means carrier-backed coverage for bodily injury or property damage a guest causes to someone else while driving under a trip agreement is not active. The host damage-responsibility figures above are not carrier coverage limits or guarantees.
Until a carrier agreement is signed, don't assume Afto's protection program replaces the liability coverage your personal auto policy, a commercial policy, or your state's financial-responsibility law may require you to carry. If your personal policy has a rental-use or commercial-use exclusion, listing your car on Afto could affect your coverage under that policy — check with your insurance agent before you rely on any single source of coverage. Full detail, including what we'll do the moment a carrier is signed: Insurance Disclosure.
How this connects to filing a claim
The host damage-responsibility figure applies only when a claim is eligible and approved under the applicable terms. See Filing a Damage Claim (Host) to report damage, and Claims SLA: What to Expect for what happens after you do.