Coverage Tiers
Levy Cover offers three tiers. v1 ships with a single "Standard" tier live in production; v2 unlocks "Minimal" and "Premium". This page describes what each tier protects against, the indicative caps and prices, and the limits operators need to understand.
Carrier-determined
Caps and prices are illustrative. The carrier sets the final numbers per ride, per jurisdiction, and per rider risk profile. The values below are typical of Cover Genius Gig Cover deployments and should not be treated as a contract.
Tier comparison
| Tier | Theft of personal items | Rider-caused vehicle damage | Rider personal injury | Indicative price |
|---|---|---|---|---|
| Minimal | $200 cap | not covered | not covered | $0.50 |
| Standard | $500 cap | $300 cap | not covered | $1.00 |
| Premium | $1,000 cap | $500 cap | $5,000 cap | $2.00 |
Caps are per-ride. A rider with a Standard policy on a 12-minute ride and a $400 phone stolen during the ride could file a claim against the $500 theft cap.
What each tier covers
Minimal ($0.50/ride)
- Theft of personal items carried during the ride - phones, headphones, small bags, sunglasses.
- Cap of $200 per ride.
Minimal is the entry tier for cost-conscious riders. Daily commuters with low theft risk and no concern about scratching the vehicle often select this tier.
Standard ($1.00/ride) - default v1 tier
Everything in Minimal, plus:
- Rider-caused vehicle damage during the ride - dropped scooter, curb impact, scratched paint.
- Theft cap raised to $500.
- Vehicle damage cap of $300 per ride.
Standard is the v1 default. It covers the two highest-frequency claim categories for micromobility: personal item theft and rider-caused vehicle damage.
Premium ($2.00/ride)
Everything in Standard, plus:
- Rider personal injury sustained during the ride - emergency room copay, urgent care visit, prescription costs from a fall.
- Theft cap raised to $1,000.
- Vehicle damage cap raised to $500.
- Personal injury cap of $5,000.
Premium is the safety-conscious tier. Tourists, first-time riders, and riders carrying expensive equipment (DSLR cameras, laptops) tend to select Premium. Personal injury is the most jurisdiction-sensitive component and may not be available in all US states (see Jurisdiction Matrix).
What no tier covers
Across all tiers, the following are out of scope:
- Third-party bodily injury - pedestrians, other riders, property owners. This stays on the operator's commercial general liability policy.
- Third-party property damage - parked cars, storefronts, public infrastructure damaged by the rider. Operator's CGL applies.
- Pre-existing damage to the vehicle, present at unlock.
- Damage from rider intoxication, racing, off-road use, or operating outside the rental agreement. Carrier exclusions vary; the policy wording is authoritative.
- Theft of the vehicle itself. Vehicle theft is the operator's responsibility - see Anti-Theft & Vehicle Security.
- Liability to third parties for the rider's actions. The rental agreement releases Levy and the operator from rider-caused third-party claims; that release is not insurance.
For the operator's side of liability, see Insurance & Liability for Fleet Operators.
Pricing dynamics
Premium amounts are determined per quote by the carrier and can vary based on:
- Vehicle type. Higher-power vehicles (mopeds, e-bikes) typically price higher than scooters.
- Time of day. Late-night rides may price slightly higher.
- Geofence risk score. Zones with higher historical claim rates can carry a small uplift.
- Rider history. First-time riders may see standard pricing; repeat riders with no claims may see a small discount.
- Rider Score (Phase 2). High-score riders qualify for a discount on Standard. See Rider Score Discounts.
The indicative prices above are typical; actual amounts come from the carrier at quote time.
Operator tier control
Operators choose which tiers to offer at /dashboard/insurance/settings. Common configurations:
- v1 simple - Only Standard is offered. This is the default for new subaccounts in Phase 1.
- Three-tier menu (v2) - Minimal / Standard / Premium are all shown; rider chooses.
- Premium-only (v2) - Some tourist-heavy operators choose to offer only Premium, because their rider population skews toward safety-conscious users with high willingness to pay.
Operators cannot set per-tier prices. They can disable tiers but cannot reprice them.
Receipt presentation
Each tier appears as a separate line item on the ride receipt:
Levy Cover - Minimal $0.50
Levy Cover - Standard $1.00
Levy Cover - Premium $2.00
The rides.insurance_premium_amount column captures the exact charge for that ride. Partner payout math and tax reporting use that column directly.
Next
Read Jurisdiction Matrix for which tiers are live in each region, or Rider Score Discounts for how Phase 2 discounting works.
Need help?
Questions on coverage tiers, contact support@levyelectric.com.