Insurance built around you
Surround saves you money at the car rental counter, follows you when you borrow a car, keeps your landlord happy, and a whole lot more.
Learn how we’re different.
Insurance Starter Packs that reflect your lifestyle
We’ve taken the guesswork out of insurance. Pick a pack and go.
Hear from those struggling to find the right insurance
“I don’t own a car, so I used to pay $25 a day for car rental liability insurance to protect me. Paired with my credit card, Surround allows me to “decline” the overpriced insurance options from Zipcar and Enterprise.”
Ben G, Cambridge, MA
Driving insurance (also known as non owner car insurance) offers a whole lot more
Saves you money
Stop paying for $25 a day liability insurance at the car rental counter
Feel peace of mind knowing you’re covered as the driver of a rented or borrowed car
More than minimum
Car rental and car sharing companies include state minimum insurance. Surround includes $100,000 of liability coverage
Walking + Biking coverage
Driving insurance covers bodily industries if you're hit by a driver with no or not enough insurance--even as a pedestrian or bicyclist
Get your Starter Pack today
Know before you start
Share your details
We need just a few pieces of info to offer insurance.
Buy & sign
Pay by the month or by the year.
Live your life!
In under four minutes, you’ll be living your life with less worry.
Covered whenever you drive
Normally, car insurance follows the car. Surround's driving insurance, also called non-owner car insurance, follows you and helps you out if you're in a collision with another vehicle.
This kind of insurance covers injuries and property damage caused to others while driving someone else’s car.
Frequently asked questions
We know insurance can be confusing. You probably have loads of questions, so let’s get you started on the basics.
What does driving insurance cover?
Expensive emergency room, hospital, and doctor bills if you are driving a car and cause an accident that hurts someone else.
Your own costly medical bills if you are a passenger involved in a car accident.
Damage to property you hit while driving a rental car.
Medical bills (including health insurance deductibles) and lost wages if you are hit by some awful driver when you are running, skateboarding, cycling, walking your dog, etc.
I don’t have car insurance. What do I do when I book a car share?
Liability (LIS) – covers the cost of damage or injuries that you cause in a car accident
Collision (CDW) - covers the cost of damage to the vehicle you're driving due to an accident
Personal Accident / Personal Property (PAI/PEC) - accident coverage provides renter and renter's passengers with accidental death, accident medical expenses and ambulance expense benefits while property coverage insures the personal items of the renter
Is it safe to drive someone else's car if I don't have insurance?
In short: if you don't have your own auto insurance, you'll be covered by your friend's auto insurance, assuming they've kept their policy up to date. Coverage can vary and you may be liable for some costs if you get in an accident. A non-owned auto policy like that available through Surround's starter pack will cover you
Can I rent a car without auto insurance?
Depending on your state, rental cars either come with no insurance at all or the state minimum auto liability insurance. Damage to the rental car or your own property, as well as medical and vehicle repair bills for the other person beyond any minimal liability provided, won’t be covered. If you don’t have your own auto insurance, you can purchase additional coverage through the car rental company, get certain coverages through your credit card, or purchase a non-owned auto insurance policy.
Doesn’t my credit card include auto insurance for rental cars?
Some credit cards do include an insurance called Collision Damage Waiver (CDW) which covers damages to the car but check the fine print. No credit cards on the market cover personal property or your liability. Surround’s driving coverage increases your liability coverage to $100,000.