As a shared car, your car may experience some normal wear and tear from the extra driving. You are compensated for this through your distance income. Wear and tear is not covered under the insurance policy.
You get 25 cents for each kilometre that borrowers drive. This covers fuel, tyre wear and servicing. The RACV estimates that a medium car costs approximately 12 cents/km for fuel and 8 cents/km for tyre wear and servicing.
In addition to this income, your car will now be making money each hour or day that it is rented out. Rather than sitting in the garage, staying pristine but doing nothing, your car is now doing more of what it’s made for – and offsetting its standing costs at the same time.
If your car comes home with a bit of a scuff on the hubcap or a small scratch on the door, it's not going to be considered 'damage' that requires repair. It's just part of the car leading a full and valuable life, being out and about doing what it's made for.
You can find a detailed description of 'wear and tear' vs 'damage' in the Car Next Door Damage Policy.
If it's an actual ding, then of course we'll make sure that the Borrower and / or insurer pays to fix it.