What is Covered?

Our mission is to make parking safer and more secure for everyone. We’re committed to ensuring you have a clear understanding of exactly what is and isn’t included.

What is Covered

Damages and theft that occurs at the parking lot is covered up to the limits of the protection plan. All claims must meet all of Park Guards Terms of Use and claims requirements.

Detailed Coverage Limits and Eligibility

Coverage Limits

• Coverage limits vary based on the plan selected and are displayed at the time of purchase.

• Park Guard will only reimburse up to the plan limits specified at purchase, regardless of the damage or theft incurred.

• No deductibles apply—coverage begins at the first dollar of a covered loss.

Eligible Vehicle Classifications

Coverage applies only to the following vehicle types:

• Class 1: Motorcycles (including mopeds and scooters, 50cc or more)

• Class 2: Passenger cars

• Class 3: Pickups, panels, and vans

• Class 5: Single-unit, 2-axle trucks (dually, dual rear tires)

Prohibited Vehicle Classifications

The following vehicles are not eligible for coverage:

• Buses, single/multi-axle trucks, and multi-trailer vehicles

• Specific vehicle classifications as outlined in Park Guard’s guidelines

Eligible Parking Venues

Coverage applies exclusively to parking locations where a partner company offers a protection plan, including but not limited to:

• Airports (on-site or off-site)

• Event venues (concerts, trade shows, fairs)

• Hotels (on-site or off-site parking facilities)

• Urban parking (garages, metered street parking)

• United States only (limited to the United States only)

Prohibited Parking Venues

Coverage is not available for parking at:

• Large multi-day outdoor events (e.g., Coachella, Burning Man, Lollapalooza)

Ineligible Customers

Customers are ineligible for coverage if they have:

• Submitted two or more paid parking claims totaling $2,000 or more in theft or damage protection within the last six months.

Coverage and Exclusions

Park Guard will cover damage and theft occurring during the parking reservation at the parking facility, provided:

• The Parking Protection Plan was purchased before the incident.

• The claim meets all payment criteria.

• Coverage is limited to the amount selected at purchase.

Exclusions: What Is Not Covered

• Damages arising from the actions of the parking or booking company, its employees, agents, or parking facility staff.

• Negligence by the booking company or any parking facility.

• Losses exceeding the limits provided in the coverage issued to the parking company or booking platform.

• Damage or theft of property that was known or reasonably should have been known at the time of policy issuance.

• Loss or damage due to:

• Nuclear hazards (reaction, radiation, contamination)

• War-related events (invasion, rebellion, military action, confiscation by government authorities)

• Speed-detection devices (radar/laser detectors, jamming equipment)

• Incidents occurring after leaving the parking facility

• Unreported damages (must be reported within 72 hours of leaving the facility)

• Specific causes of vehicle damage while parked, including:

• Floods, underground water, sewer backups, plumbing failures

• Fire, soot, or smoke

• Intentional or negligent acts by the customer or passengers

• Illegal activities

• Animal-related damages (e.g., insects, rodents, birds)

• Mechanical or engine failure

• Mold, mildew, or rot

• Hazardous materials (e.g., explosives, improperly stored lithium batteries, gasoline containers)

• Natural disasters (hail, tornadoes, earthquakes, hurricanes)

• Vandalism, riots, war, insurrection, terrorism

• Violations of parking facility rules

• Bodily injury, death, or personal liability

• Loss or damage due to unknown/mysterious disappearance without visible signs of forced entry or intentional part removal.