Bonzah is a third-party insurance provider integrated with PocketOS. Offering insurance protects your vehicles and gives renters peace of mind. Insurance premiums are added as a non-taxable charge to the rental total.
Why Offer Bonzah Insurance
- Protects your fleet — CDW covers damage to your vehicles up to $35,000
- Reduces liability — RCLI covers third-party claims so you're not on the hook
- Increases renter confidence — renters feel safer booking when insurance is available
- Additional revenue — insurance premiums add to your per-rental earnings
Enabling Bonzah Insurance
- Go to Settings → Rentals → Insurance
- Toggle Enable Bonzah Insurance to ON
Once enabled, additional configuration options appear.
Coverage Types Explained
CDW — Collision Damage Waiver (Recommended)
Covers physical damage to the rental vehicle from collisions, theft, vandalism, and weather. Coverage up to $35,000. This is the most important coverage for protecting your assets. Recommended: ON by default.
RCLI — Renter's Contingent Liability Insurance (Recommended)
Covers third-party bodily injury and property damage caused by the renter while driving your vehicle. This protects against lawsuits and claims from other drivers, pedestrians, or property owners. Recommended: ON by default.
SLI — Supplemental Liability Insurance (Optional)
Provides excess liability coverage on top of RCLI for higher-value claims. Requires RCLI to be enabled. Recommended for operators in high-liability markets or with luxury/high-value vehicles.
PAI — Personal Accident Insurance (Optional)
Covers the renter's personal injuries, medical expenses, and personal effects (belongings) during the rental period. This is a nice-to-have but not essential for most operators.
Default Coverage Settings
The toggles under "Default Coverages" control which coverages are pre-selected when adding Bonzah insurance to a rental. These are defaults only — they can be adjusted on each individual rental.
Turning a coverage ON here means it will be pre-checked when you or a renter adds insurance. Turning it OFF means the renter or operator would need to manually select it.
Insurance Requirements
Two requirement toggles let you enforce insurance:
Require for Instant Booking
When ON, renters must purchase Bonzah insurance to complete an instant booking. This is recommended if you want to ensure every self-service booking has insurance coverage.
Require on All Vehicles
When ON, Bonzah insurance is automatically required on every vehicle in your fleet. Individual vehicles can still be overridden on their detail page if you need exceptions (e.g., vehicles with their own commercial insurance).
How Insurance Appears on Rentals
When Bonzah is enabled and added to a rental:
- Insurance premiums appear as a separate, non-taxable line item on the rental
- The renter sees the insurance cost in the booking confirmation
- Coverage details are included in the rental agreement
Frequently Asked Questions
Does Bonzah insurance replace the renter's personal auto insurance?
No. Bonzah provides additional coverage specific to the rental. The renter's personal insurance (verified through Axle) is their primary coverage. Bonzah acts as supplemental protection.
Who pays the insurance premium — me or the renter?
The renter pays. Bonzah premiums are added to the rental total as a non-taxable charge.
Can I require insurance on some vehicles but not others?
Yes. Even with "Require on All Vehicles" enabled, you can override insurance requirements on individual vehicle detail pages.
Is insurance available for Pocket Drives bookings?
Yes. If Bonzah is enabled, per-vehicle insurance requirements apply to Pocket Drives bookings as well. Configure per-vehicle settings on each vehicle's detail page.