Insurance & coverage

FINN has you covered

Unfortunately, accidents and technical problems happen. In order to help as quickly as possible, we've compiled the relevant information below.

What to do in an accident or breakdown

Inform the police
Inform the police

Once you’re in a safe location after your accident or breakdown, call 911 and notify the police as soon as possible. Once the police report is available you should ask for a copy of the report including the name, address, phone number and license number of the other party involved in the accident.


Call the Damage and Maintenance hotline
Call the Damage and Maintenance hotline

After you’ve informed the police, contact our customer service hotline at +1 (888) 296-3688. Our customer service team will guide you through all the necessary steps and take care of any required service or repairs needed to you car.



FINN will also work with you and the third-party insurer to assist you with the claim process.


Schedule a repair
Schedule a repair

FINN will help you to arrange a repair for your car at a time that suits you. Billing is done directly between the service station and FINN.

If it’s a case in which the costs are not covered by FINN (for example, a flat tire) you will be billed by FINN.

Questions and answers about insurance

The insurance covering you and your vehicle is obtained by FINN through a third-party insurance company. Your insurance coverage will include liability insurance as well as comprehensive coverage. You are responsible for any applicable deductible. 

Your subscription includes comprehensive coverage. If damage occurs, you may be responsible for a deductible up to $1,000.

Motor vehicle liability insurance is required by law in the United States. Motor vehicle liability insurance covers damage that you, the driver, cause to other people or property. 

The comprehensive insurance helps pay to replace or repair a vehicle that is caused by something other than a collision, and caused by events out of your control. You are responsible for the applicable deductible. 

Flat tires:

Flat tires are not considered part of the normal vehicle wear and tear. Associated costs with a flat tire are therefore not covered by comprehensive insurance. 

Loss of key:

If your key is lost, we will charge you a flat fee plus the cost of obtaining a new key from the manufacturer. 

If another participant in the accident is held liable for the damage, their liability insurance will cover the damage and you will incur no costs.

At the end of your subscription, your vehicle is expected to be returned in good condition. However, FINN allows for normal wear and tear. 

Please note: Wear and use outside normal guidelines could result in excess wear and tear charges. 


Examples of excess wear and tear can include, but are not limited to:

  • Broken or missing parts (e.g., keys, head restraints, spare tire, charge cord on hybrid/electric vehicle)
  • Insufficient or poor quality repairs (repairs should be completed through FINN)

  • Mechanical or electrical malfunctions

  • Tires that are not an appropriate match for the vehicle

It is important to inspect your vehicle at handover. Notify FINN immediately if you find any damage and/or defects whatsoever to your vehicle at the time of delivery. 

The insurance you receive through FINN only covers you while driving your FINN car subscription vehicle.

Unfortunately, this is not an option at this time. The FINN insurance is automatically covered in your monthly rate and non-voidable.

Contact us if you need additional help

If you have any questions or technical problems please contact our customer service department during our business hours (9am - 5pm EST) by phone on +1 (718) 306-6368 or by email at help@finn.auto. 

We can help to look for a service station near you or schedule an appointment at one of our in-network facilities to get you back to driving as soon as possible. 

Contact us if you need additional help

If you have any questions or technical problems please contact our customer service department during our business hours (9am - 5pm EST) by phone on +1 (718) 306-6368 or by email at help@finn.auto. 

We can help to look for a service station near you or schedule an appointment at one of our in-network facilities to get you back to driving as soon as possible.