Lender protection
No stress — if your item is damaged, lost, or stolen while on hire, we’ve got you covered.
When you list your items on Little Big Shed, they’re automatically protected with full insurance for the entire lending period. Share your shed with confidence, knowing we’ll step in if something goes wrong.
Little Big Shed – Insurance Policy
Am I Covered?
- Yes. Every item listed and borrowed through Little Big Shed is automatically covered by our standard insurance. No add-ons, no extras — just peace of mind built into every hire.
What’s Covered
- Repairs or Replacement If an item is lost or damaged, we’ll cover the cost of repair or replacement up to its fair market value (based on the value set at listing and current resale data).
- Theft - If an item is stolen during a hire, it’s fully covered under our policy (as long as it was stored and secured responsibly).
- Fast & Fair Claims - We handle the claims process directly, with clear steps and quick verification. Owners are compensated promptly and hirers know exactly what’s expected.
What’s Not Covered Insurance does not apply to:
- Damage caused by mechanical faults or breakdowns
- Pre-existing issues, such as rust, corrosion or defects
- General wear and tear from normal use
- Liability: Little Big Shed is not responsible if a person or property is injured/damaged during use of an item
- Excluded categories, including:
- Real estate
- Campervans and motorhomes
- People and services
- Chemicals or dangerous weapons
What This Means for Hirers (Borrowers)
- Every hire comes with built-in insurance.
- If something goes wrong, you’re only responsible for the agreed excess fee.
- You must take reasonable care of the item (e.g. storing it indoors or securely).
- If an item is stolen, you must file a police report and provide it to us within 24 hours.
- Reporting loss or damage promptly helps resolve claims quickly.
What This Means for Listers (Owners)
- Every item you list is covered for loss, theft, or accidental damage during a hire.
- If something happens, we’ll handle the claims process and compensate you fairly, based on current market value.
- You’ll be kept informed at every step of the claims process.
- You’re protected by our standard insurance, giving you peace of mind every time you lend.
What To Do If Something Goes Wrong
- Report within 24 hours via the app.
- If stolen, the hirer must file a police report and upload a copy.
- We’ll assess the claim, confirm fair value, and arrange payment to the owner.
- Hirer may be charged an excess fee depending on the claim.
For Hirers (Borrowers)
✔ Every hire is insured for loss, theft, or accidental damage
✔ Just pay the excess if something goes wrong
✔ Store items responsibly & report issues within 24h
✔ Quick, fair claim handling — no hidden surprises
For Listers (Owners)
✔ Your items are automatically insured every time they’re borrowed
✔ Covered for fair repair or replacement value
✔ Fast claims process managed by us
✔ Peace of mind every time you share
Every Item, Every Family, Covered.
We know trust is everything. That’s why every gear hire through Little Big Shed is backed by insurance. Whether you’re lending or borrowing, you can relax knowing you’re covered.
What To Do If My Item Is Returned Damaged.
Now you know what’s covered, learn how to raise a dispute for a damaged or stolen item, by following the four easy steps outlined below.
1. Take photos or videos
Take clear photos or videos of the item(s) on your mobile phone or camera with a timestamp immediately (and no more than 24 hours) before the rental to prove they were in your possession undamaged at that time.
2.Take photos and videos of the damage on return
- Take clear photos or videos on your mobile phone or camera with a timestamp immediately (and no more than 24 hours) after the rental to prove the damage happened during the rental and not during your own subsequent use.
- In the case of theft, report the incident to the police as soon as reasonably possible, and obtain a crime reference number from them.
3. Raise a dispute
- Immediately raise a dispute with the borrower via the chat function seeking compensation for any damage, loss or theft of your items during the rental period.
- Immediately raise a dispute with Little Big Shed by contacting support@littlebigshed.co.nz.
- Do not post on social media, online, or make public information about your claim before the claim process has completed.'
4.Provide documents
Provide Little Big Shed with the appropriate documentation to support the claim. This is included but not limited to:
- An itemised breakdown of all items that have suffered damage, loss or theft;
- Evidence of the value when you purchased the items;
- Serial numbers on item.