Insurance & protection
Every rental on FlipYo includes basic liability protection automatically — there's no separate insurance charge at checkout. It's funded through FlipYo's standard service share, which also covers MitID verification, Stripe payment processing, and day-to-day operations.
Basic liability protection
Every rental — regardless of item type — includes basic liability protection against damage or loss. It's already funded by FlipYo's service share, so there's nothing extra to pay at checkout.
- Liability protection Included
Full coverage add-on
For higher-value items, you can add full coverage at checkout for extra peace of mind. Pricing for this optional upgrade is still being finalised with our insurance partner.
- Full coverage add-on TBC
Where your rental fee goes
Optional security deposit
Lenders can also set a refundable deposit, chosen at listing time. It's held securely during the rental period and fully refunded once the item is returned without issues.
What's not covered
A few item types fall outside FlipYo's insurance coverage entirely and cannot be listed: cars, motorbikes, boats, and heavy trailers; real estate; weapons and hazardous materials; medical devices; items with direct hygiene contact; food and perishables; live animals; cash and identity documents; adult content; and high-value collectibles above our insurance threshold.
See our Terms of Service for the full list of items that can't be listed on FlipYo.
FlipYo acts solely as a platform facilitator and is not a party to any transaction between a Lender and a Renter. To the maximum extent permitted by Danish law, FlipYo does not take responsibility for any damage, loss, or claims that occur during the rental period, regardless of whether the item is insured — except in cases of death, personal injury, fraud, or gross negligence, where liability cannot be excluded by law. Liability and full coverage claims are handled directly by the insurance provider or the optional deposit process. Any liability arising from a personal data breach is governed separately under applicable data protection law. Full terms are set out in our Terms of Service. (Pending final legal review.)