Insurance Policy

Optional Insurance Fee

Customers have the option to add insurance during checkout for a $5 flat fee per item. This provides coverage for common minor issues and select major damage events that may occur during the rental period.

What the $5 Insurance Covers

• Minor stains (e.g. makeup, light food or wine)
• Broken zippers, hooks, or buttons
• Loose threads or small seam repairs
• Surface dust, pilling, or deodorant marks
• Wrinkling or creasing that requires steaming
• Select major issues (e.g. large tears or deep stains), subject to case-by-case review and approval

What Insurance Does Not Cover

• Lost, stolen, or unreturned items
• Total destruction or deliberate misuse

Definition of Total Destruction or Misuse

• Burned, shredded, or melted garments
• Permanent dye or ink stains
• Items significantly resized or altered
• Garments rendered unwearable due to neglect, improper laundering, or mistreatment

If the customer does not purchase insurance, they accept full financial responsibility for any damage or loss as determined by the lender and Muse Gala.

Minor Damage

Defined as cosmetic or repairable issues that do not affect the structural integrity or resale value of the item.

Examples include:

• Light stains (e.g. makeup or wine)
• Broken zippers, hooks, or buttons
• Loose threads or minor seam splits
• Small snags or pilling
• Wrinkles or creasing requiring steaming

If insurance was purchased:

• A $30 flat payout is issued automatically to the lender
• If repairs exceed $30, lenders may submit a valid receipt for additional reimbursement:

If insurance was not purchased:

The customer will be charged the lender’s pre-set minor damage fee, as outlined in the booking agreement.

Major Damage

Defined as unrepairable or extensive damage that impacts the item’s structure, wearability, or value.

Examples include:

• Deep or permanent stains (e.g. ink, red wine, dye transfer)
• Large rips, tears, or holes
• Structural damage (e.g. boning, inner lining, fastenings)
• Burn marks, melting, or shrinkage from heat
• Alterations that affect the garment’s intended fit or design

If insurance was purchased:

• The lender must submit photographic evidence and a repair quote or replacement receipt
• Muse Gala will review and may approve reimbursement up to:

If insurance was not purchased:

The customer will be charged either the full repair cost, the lender’s major damage fee, or the full replacement value, depending on the extent of the damage.