Rentoodle Lender Guarantee

Last updated: 17 September 2026

Our General Terms and Conditions and Privacy Policy apply to this guarantee.

When you advertise your items to rent on Rentoodle it is covered by our guarantee up to £30,000 in the UK. We work hard to keep the Rentoodle platform a safe place to rent your items. As per our Terms and Conditions, Lessees who fail to return rented items to the Lessor or damage items owned by the Lessor are liable to pay the full replacement and or repair cost of the items, regardless of the circumstances. In the event that the Lessee is not cooperating and payment is delayed you may be able to make a claim on the Rentoodle Lender Guarantee.

1. What is Covered?

1.1. We will guarantee your advertised items against theft damage and non-return of items occurring during the period of cover during the course of a rental booking. Each item is covered up to its estimated value, providing that it falls on or below the threshold and meets the criteria laid out in this document. The threshold in the UK is £30,000 per item. Vehicles, real estate, consumable items, weapons, wear and tear are not covered by this lender guarantee.

2. What is not covered?

We will not make any payment for:

2.1. Damage:

2.1.1. caused by mechanical and/or electrical fault or breakdown;

2.1.2. caused by inherent defects; for example but not limited to defects caused by corrosion, moth or vermin, humidity, extreme temperature;

2.1.3. caused by previous incidents of damage for example but not limited to underlying structural weakness from previous impact; for the avoidance of doubt ‘previous’ means prior to the rental in which the problem occurs;

2.1.4. caused by previous alteration; for example but not limited to extension, cleaning, repair, renovation, restoration or similar process; misuse and faulty workmanship or the use of any faulty materials;

2.1.5. caused by wear and tear; for the avoidance of doubt, ‘wear and tear’ is minor damage that occurs during the normal and proper usage of the items that does not affect the functionality of the item;

2.1.6. which cannot be proven to have occurred during the rental period;

2.1.7. cause to sensitive, delicate, or fragile items that have not been rented with appropriate casing or protective cover, for example but not limited to lens caps, travel cases;

2.1.8. caused by a failure to regularly service or maintain an item;

2.1.9. caused to items that are out of circulation or classified as “vintage” or classified as antique;

2.1.10. that is minor superficial or cosmetic damage that does not affect the functionality of the item, for example but not limited to small dents, scratches;

2.1.11. caused as a result of war, terrorism, disease or natural disaster; for example but not limited to flood, earthquake, hurricane, pandemic;

2.1.12. to flat tires or punctures of pneumatic (soft) tires on electric scooters.

2.2. Income owed due to late returns or from work you were unable to fulfil due to the temporary absence of a functioning item;

2.3. Incidents of public or product liability; for example but not limited to if any person or property is injured / damaged as a result of your equipment during a rental organised via the Rentoodle advertising platform;

2.4. Real estate, campervans and motorhomes, people, persons or services; chemicals, liquids, consumables or anything that can be reasonably classified as a weapon.

2.5. Items rented out whilst the claim on them is ongoing.

2.6. Any items handed over to a third party which is not the verified Lessee themselves.

3. Who is eligible to claim on this guarantee?

You are eligible to claim on this guarantee if you meet all of the following criteria:

3.1. You are the person who created the account on Rentoodle which rented out the items in question.

3.2. You uploaded the correct verification documents when requested.

3.3. You haven’t been convicted of, or charged with, any offence other than motoring offences in the past 5 years.

3.4. You have never been subject to a county court judgement (CCJ), a debt relief order (DRO), an individual voluntary arrangement (IVA) or to bankruptcy proceedings.

3.5. You have never had insurance cancelled, refused or declined or had any special terms imposed.

3.6. You have not made more than 2 insurance claims in the past 5 years.

3.7. You have not handed over the items until the transaction has been approved by the Rentoodle Verification process.

3.8. You must only hand over the items to the person verified to borrow by Rentoodle. We cannot guarantee rentals that were handed to any third parties.

4. How much will we pay?

4.1. We will pay for the cost of repair, replacement value, or the original value with any items depreciation applied, whichever is less. The ‘original value’ is determined by the price you paid for it and must be evidenced by you (for example but not limited to with a proof of purchase). Depreciation is determined by the Claims Department.

4.2. It is at the discretion of our Resolution Department to determine if something can be reasonably repaired or is deemed ‘irreparable’. If they cannot easily determine this, then you will be asked to seek a 3rd party appraisal from a reputable repairer.

4.3. The Claims Department will determine when it is appropriate to initiate the Claims process, which varies by case. As the Lessee is liable for the items that they rent according to the Terms and Conditions, compensation must be sought from the Lessee by the Lessor before the Claims Department will consider initiating the Claims process.

5. What are your obligations?

5.1. We will not make any payment under this guarantee unless you as the Lender:

5.1.1. make a demand against their Lessee seeking compensation for any damage, loss or theft of your items during the rental period;

5.1.2. in the case of theft and or non-return, report the incident to the police as soon as reasonably possible, and obtain a crime reference number from them;

5.1.3. include each item you’re claiming for in your original listing which the Lessee used to rent out the items;

5.1.4. ensure the ‘Estimated Value’ is reasonably accurate. For the avoidance of doubt, ‘reasonably accurate’ is within 10% of the value you claim for. You can amend your estimated values (RRP) here: https://www.rentoodle.com/mylistings.

5.1.5. provide us with the appropriate documentation to support the claim, including but not limited to;

5.1.5.1. an itemised breakdown of all items that have suffered damage, loss or theft;

5.1.5.2. evidence of the value when you purchased the items;

5.1.5.3. serial numbers on items (particularly electronics);

5.1.5.4. photos and or videos of the items taken immediately and no more than 24 hours before the rental before to prove they were in your possession undamaged at that time;

5.1.5.4.1 in the case of items that have a function for example but not limited to drones and mixers, you must provide video evidence of the items in use immediately and no more than 24 hours before the rental to prove they were in your possession undamaged and operating normally at that time;

5.1.5.5. in the case of damage, timestamped photos and or videos taken immediately (and no more than 24 hours) after the rental to prove the damage happened during the rental and not during your own subsequent use;

5.1.5.6. in the case of damage, we may require assessment by a third party of Rentoodle’s choice. Your claim cannot be processed until that assessment is made;

5.1.5.7. in the case of damage, we may require proof of regular servicing for items that are delicate, sensitive, fragile or more than 5 years since their date of manufacture.

5.1.6. do not post on social media, online, or make public information about your claim before the claim process has completed.

5.2. If the items are owned by a business, you (/they) must have valid underlying insurance in place covering the items and we will ask you to first try to claim on your existing insurance before you can proceed with a claim on this guarantee. If this proves unsuccessful, you will need to provide us with written evidence that the insurers declined the claim, in order to claim on this guarantee.

5.2.1 If the items have an active insurance policy prior to advertising and lending the items via Rentoodle, we will ask you to first try to claim on your existing insurance before you can proceed with a claim on this guarantee. If this proves unsuccessful, you will need to provide us with written evidence that the insurers declined the claim, in order to submit a claim on this guarantee.

5.3. If your items are covered by a warranty from the supplier, you must attempt to use this to cover the repair or replacement before you can proceed with submitting a claim on this guarantee. If this proves unsuccessful, you will need to provide us with written evidence that the suppliers declined the claim, in order to claim on this guarantee.

5.4. You must inform us as soon as possible, and in any event within 24 hours of the end date of the rental of any incident which you may need to claim for under this guarantee.

5.5. You must give us all assistance which we may reasonably require to pursue recovery of the items themselves, and thereafter of the amounts owed to the us by the Lessee.

5.6. Hand over all information required for the claim within 3 months of starting the claims process. Within 3 months of the start of the claims process, we must receive all information including, but not limited to; proof of purchase, any other evidence required as per the requirements of the Rentoodle Lender Guarantee, Lender's identification documents and the Lender's bank details. After 3 months have elapsed, your claim will be closed and cannot be reopened.

5.7. Fraud

5.7.1. If you or anyone entitled to cover in respect of any claim or loss, or anyone on behalf of you or such other person, tries to deceive us by deliberately giving us false information or making a fraudulent claim under this policy then:

5.7.1.1. we shall be entitled to refuse to make any payment under the guarantee in respect of any claim made or any loss; not limited to the claim in question but inclusive of all future and ongoing claims;

5.7.1.2. You must reimburse all payments already made by us relating to claims made or losses occurring after the date of any fraudulent act or claim or the provision of such false information;

5.7.1.3. we will report the fraudulent claim to the Police and shall be entitled to pursue you with legal action for the act;

5.7.1.4. your use of the platform will be permanently suspended.