Pay-per-night
Are you renting your property to paying guests every now and then?
Our Pay-per-night policy is designed to be as flexible as your bookings
Coming soon.
Why choose Pay-per-night for your property?
Peace of mind
- Covers you and your property for guest related risks
- Your standard home and contents insurance may not cover short-stay renting
- Platform guarantees are not the same as insurance – and aren't a substitute
Flexible
- Choose a policy anywhere between 1 and 90 nights
- Get cover only for the nights you have bookings
- Can be used in combination with any existing home and contents insurance
Trusted
- Specialist insurance for short-stay rentals
- We’ve covered over 500,000 nights
- Backed IAG, Australia’s largest general insurance group
You can choose the sum insured for your building up to $2m and contents up to $500k with $10m of liability cover included.
What does Pay-per-night cover?
Guest related damage and liability
- Accident
- Accidental breakage of glass
- Fire
- Malicious damage
- Explosion
- Theft or attempted theft
- Impact
- Bursting, leaking, discharging or overflowing
- Riot or civil commotion
- Liability
- Loss of rental income
- Temporary accommodation
Additional benefits
- Glass breakage
- Loss of rent (death of a guest)
- Loss of rent (murder or suicide)
For a full list of covered events, please read the PDS. This cover is subject to exclusions and limitations, and for a full list please read the PDS.
Things to know
Pay-per-night policy does not replace the need for home and contents insurance that covers your use of the property and damage by natural perils (storms, bushfire, flood etc).
FAQs
You can be confident in knowing we're proudly backed by AMI.
We’ve been looking out for Kiwis since founding in Christchurch in 1926 as the South Island Motor Union (SIMU). From humble beginnings, AMI Insurance has changed a little bit over these past 91 years, which has involved us becoming part of IAG, the largest insurance group in New Zealand and Australia.
We know that the world is changing with technology, lifestyles and attitudes, so we’re making sure that we continue to strive to be readily available and relevantly accessible to all our customers. This thinking has helped us to become one of New Zealand’s leading general insurers. But we haven’t stopped there, we make sure we’re here for you through the thick and thin of it all, for whatever you need – big or small claims. Each one is important to us because we know when someone has your back, you can relax and enjoy life that little bit more.
IAG's businesses underwrite over $11billion of premium per annum, selling insurance under many leading brands including and NZI, State, AMI and Lumley Insurance.
ShareCover is issued by IAG New Zealand Limited, a wholly owned subsidiary of Insurance Australia Group, Australasia’s largest general insurer. When making decisions about a product, always read the Product Disclosure Statement (PDS). You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.
ShareCover Enterprises is owned by Insurance Australia Limited and is not related to either Airbnb, Bookabach, Booking.com, TripAdvisor, Spacer, and Uber. References to these platforms on this website do not constitute an endorsement by these platforms of ShareCover nor an endorsement of these platforms by ShareCover; nor IAG being partnered with these platforms.