Myanmar Driving License and ASEAN Driver License Holders
- In case of accident, Drivers and/or the Account Holder with the Myanmar Driving License and ASEAN Driver License are eligible for GGI Insurance coverage.
- If GGI Insurance only approves the partial claim or rejects the claim, the Account Holder shall be responsible for the remaining balance and compensate for the full damage repair charges to Yoma Car Share.
- Regardless of the Drivers and/or the Account Holder’s fault or not in an accident, Yoma Car Share do not cover the third-party compensation. GGI Insurance may cover the third parties involved in the accident. If the coverage is partial or if the claim is rejected, it is the responsibility of the Drivers and/or the Account to compensate the third-party in full amount.
- Myanmar Driving License and ASEAN Driver License Holders are not eligible for Yoma Car Share USD 300 Damage Waiver Policy.

International Driving Permit Holders
- In case of accident, Drivers and/or the Account Holder with the International Driving Permit Holders are eligible for Yoma Car Share USD 300 Damage Waiver Policy.
- Under the Yoma Car Share Damage Waiver policy, the Account Holder and/or Driver’s liability is limited to a non-waiver excess of USD 300 unless recovery can be made from a third party for the first accident. If the Account Holder is involved in another accident within the 3 months from the first accident, the Account Holder and/or Drivers shall be responsible for the 50% of the vehicle repair cost of the Car beside the initial non-waiver excess of USD 300 i.e. if the repair cost is USD 1000, the Account Holder/Driver is responsible for both USD 300 non-waiver excess and 50% of the remaining USD 700 which is USD 350 – the total amount payable for this repair is USD 650. In case of other accidents or loss after the second accident within the 3 months of the first accident, the Account Holder is liable for the 100% of the vehicle repair cost and/or other payable to Yoma Car Share and the other parties involved in the accident and/or loss.
- In case of third-party involvement, Yoma Car Share shall not take responsibility regardless of any party’s fault in the accident. It is the responsibility of the Driver and/or the Account Holder to compensate the damages and any charges incurred to any involved third parties.

Driver and/or the Account Holder with only foreign driving license i.e. without hold the international driving permit are not eligible for any insurance, and must take full responsibility for any charges incurred due to an accident.

Regardless of the type insurance policies (both GGI and Yoma Car Share Damage Waiver Policy), the Driver and/or the Account Holder must inform Yoma Car Share of any accident, damage and theft immediately. Failure to inform us immediately after the accident will result in non-insurance coverage.

Neither GGI Insurance or Yoma Car Share own insurance does not cover theft and war risk. The Driver and/or the Account Holder shall be fully responsible and must repay Yoma Car Share of the Car’s booked value cost in case of theft and loss of the vehicle.

It is imperative that the Driver and/or the Account Holder gives accurate and truthful information about the accident, damage, or theft to Yoma Car Share. In case of misinformation, all insurance coverage will be voided.

If the Driver (Extra Driver), who has not been informed to Yoma Car Share and/or sub-renter caused the accident, damage, theft and/or loss of the vehicles shall be the sole responsibility of the Account Holder.

In the event of illegal use, no coverage will apply.

No cover is provided for the theft of personal belongings from the Car, nor is any personal accident cover provided to the driver.

Account Holders are liable to pay the full cost of the damage in case of the followings, which are not covered by any insurance policy:
- Damage or Third-Party Loss caused or contributed to by any driver that leaves the scene of the accident prior to the attendance of the police or reporting the accident to the police;
- the full cost of replacing or repairing any accessories supplied by us including, but not limited to child restraints, GPS units, and keys;
- Damage caused by the use of the incorrect fuel type;
- The accident is caused by breaching the traffic rule(s) by the driver and/or the Account Holder/Member.
- The accident is caused by an unauthorize driver(s) or Driver/Account Holder/Member without a valid driving license.
- The negligence of the driver caused the accident.
- Underbody damages or overhead (roof) damages will not be covered by the damage cover policy.
- Hit-and-run by either the driver/account holder/member or a third party.
- The accident is caused due to over speeding by the Driver/Account Holder/member.
- Unreported accident to Yoma Fleet’s hotline immediately after the cause of the accident.
- Theft or loss of the vehicle.
- War Risk – operating the Yoma Car Share Vehicle in known geographical areas as stated in Clause 11.9.

Irreparable Tire Damage
- In case of irreparable tire damage i.e. the tire can no longer be used for its intended purpose by the Account Holder/Driver, Yoma Car Share reserve to charge the responsible party of the damage. Our policy on Tire is that a new tire must be replaced the current tire when the current tire reaches the lifespan of 40,000 KM in service. For the tire damage recharge payable by the Account Holder/Drive in case of irreparable damage, Yoma Car Share shall fairly calculate the recharge amount based on the lifespan of the tire and invoice the Account Holder/Driver accordingly.

Damage cover policy is voided if a member/an Account Holder sub-rents the Yoma Car Share car to another person and adding this person as an Extra Driver. Extra Driver is someone who accompanies and drives the car for the member/Account Holder during the reservation period on Yoma Car Share. It is the responsibility of the member/Account Holder for any damages or cost incurred from sub-renting the Yoma Car Share car.

Yoma Car Share reserves the right to rescind the membership rights and remove the Account Holder from Yoma Car Share services in case of multiple accidents.

If the damage repair process takes more than 3 days, Yoma Car Share reserves the right to charge the Account Holder of the daily rental rate until the vehicle has been repaired.

When the accident occurs during the reservation period, Yoma Car Share reserves the right to end the reservation early. Providing a replacement car during the reservation for accident is the sole decision of Yoma Car Share, and the Account Holder/Driver has no right to request for a replacement car.

Due to the accident, if the Account Holder/Driver is unable to continue their journey, it is the responsibility of the Account Holder/Driver to arrange own transportation. The cost arising from this other transportation method is also the Account Holder’s responsibility and Yoma Car Share will not bear any cost.