Many platforms, however, do not offer insurance or recommend insurance providers. These may be some questions that come to mind for a jetski rental shop. "It's kind of like the Wild West," said Mike Pellerin, Vice President of Underwriting for BoatUS Marine Insurance. We use cookies to enhance your visit to our website and to improve your experience. "So if you go out and hit a log with the boat and damage the outdrive, how's that going to be handled? By asking a few questions and understanding your insurance policy you can enjoy P2P boating with peace of mind. "Make sure you understand where you can take the boat," said Pellerin. Depending on the state you reside, a personal insurance policy is deemed null and void in the event that you rent out your RV. Pellerin says renters should always ask, "What do I do, who do I call, and how do I get back?" Insurance should be included in the price with a deductible, which is often $500, or 2 percent of th… Option to purchase Rental Insurance or Boat Insurance You will have to sign a rental contract that covers the terms of the boat rental, including what damages you’d be responsible for paying. Insurers have been tentative to underwrite P2P rentals, not only because P2P is uncharted water for the industry but also because boating insurance has its own particular set of challenges. You may also have the option of purchasing coverage through the rental company, just for the rental period. In some cases, you'll be required to name designated operators. If you're renting a boat, you should check with the boat owner to see if they have the proper insurance to cover any accidents or damages. Actually, my current insurance will drop my policy unless a stop using the boat for the occasional rental. But that may not be the case with all companies, so that's something renters should check and ask: Is anybody who is provided the opportunity to run the boat covered?". Personal watercraft rental insurance is a valuable means of protecting boats and boat owners from damage or loss in rentals. She now lives in Atlin, British Columbia, and runs waterbornemag.com, a sailing website for millennials. In making an application for a leisure business licence, you are confirming that you meet all of the above requirements. Garage rentals are pretty well known to experienced landlords, but if you’re just starting out or haven’t been exposed to this before it can be quite an eye opener. If you are renting a boat, you may still want rental insurance. There's a huge amount of data out there to research claims and loss history. "There's just less information available. A: Yes. Dockwa is probably the best boat trip planning app that will measure all your problems and make the renting process as easy as possible. "With recreational policies, the majority of people carry a $300,000 limit," said Pellerin." Renting a Boat: Boat Rentals Guide. Unlike most other insurance agencies, USPS strictly provides insurance for boats. "For the Boatsetter/BoatUS P2P policy, we provide a section with actions to take and how a loss is paid," said Pellerin. "But as a whole, I think the idea is terrific. But before you put your cottage on the rental market, you’ll need to do some planning. Renters are normally only responsible for physical damage to the watercraft and injuries either to passengers or to others on the water, and not engine or mechanical issues. Subscription to the print version of BoatUS Magazine, 4% back on purchases from West Marine stores or online at WestMarine.com, Discounts on fuel, transient slips, repairs and more at over 1,200 businesses, Deals on cruises, charters, car rentals, hotel stays and more…. Rent a boat near you with GetMyBoat. With these questions and the risk of others using your equipment it is very important to have adequate insurance coverage for your jetskis. You may not be covered if you stray too far. There are even those who’ll loan you their boat for the afternoon. Freeway Insurance Services America, LLC, List of entity/License numbers per state located on Affiliate Disclosure Page. If it's not a custom policy designed for P2P rentals or charter, neither party may be covered during a rental, he added. "The majority of folks have agreed value policies on their boats, but the P2P policy is an actual cash value policy," said Pellerin. The difference is that an actual-cash-value policy accounts for depreciation. Inform them you will be renting boats and ask them to add "Owned Watercraft" to your policy. free state-specific Boating Safety Course offered by the BoatUS Foundation. "Our policy covers the renter and it covers any permissive operators," said Pellerin. Owners of Recreational Vehicles can list them on URentMe.com and make up to $5,000+ per month! At Global Marine Insurance Agency, our Commercial Marine Underwriting Specialists can provide specialized coverage, including marine liability insurance, to businesses that rent sailboats (under 26′), canoes, kayaks, pedal boats, water bikes, personal watercraft, mini-jet boats, … In Florida, if you own the boat, the P2P policy is cancelled as soon as a storm is named. Consider additional insurance that may increase your liability coverage on the water (e.g. Sergi Gulenok /Unsplash Sharing platforms for boats. Peer-to-peer, apples-to-oranges Insurance offerings vary significantly from platform to platform, and in many cases, from boat to boat. "With Boatsetter you can go up to 12 miles from the coast, and you must stay in U.S. waters. However, since boat operation will be affected by environmental influences, such as wind, weather, water conditions, as well as the other boats and water crafts on the water, it’s recommended that you have someone more experienced with you to help you navigate. Peace of mind and insurance is included in every rental, and you choose who rents your boat. Boat owners list their boats on a P2P website, such as Boatbound.com, Boatsetter.com, or Cruzin.com. "Our policy breaks down terms for someone who may not be insurance savvy so he or she can understand what limitations are included in the policy." To further complicate things, there are also important differences between P2P boating insurance and recreational boat owner's insurance. Insurance Your boat’s insurance policy must include public liability insurance and cover the boat being let out for hire. So, should something happen, there would not be an out-of-pocket expense to get the boat back to the dock." Hire a captain, especially if you're renting a boat that is beyond your experience. It gives access to people who might never have had access to boats before, and it also lets people test the waters to see if boating is right for them.". You need special insurance for boating. It's one way to offset the costs of moorage and maintenance, though regional and demand differences make that figure vary widely. If you do a little research in your area, you may be pleasantly surprised to find out you could be renting out your garage for extra cash flow. However, boat rental insurance is a good option if you rent a boat. umbrella and homeowners insurance). A paid professional will not only make these safer, but you'll have an opportunity to learn new skills. Boat rentals are on the up across the world. Pellerin suggests that high-net-worth owners may want to ask how much liability coverage the P2P policy is providing and then check with their homeowners or umbrella insurance to see if there are any additional limits available. 4. Often, it’s wise to consult your insurance company to see if you have current coverage under your policy that might extend to watercrafts. Boatsetter lets you make money renting out your boat. © 2020 Boat Owners Association of The United States. Most losses are things like striking submerged objects, striking the ground, hitting the dock, and dock rash scenarios.". Either way, ask for a copy of the policy and make sure it allows for rentals. Just because you don't own a boat, doesn't mean you're not potentially liable. A typical boat insurance only helps protect a boat that you own. As a permissive operator he would be covered. Renting out part or all of your home for a one-time event shouldn’t warrant anything more than the current homeowner or renters insurance policy you already have. Main Features & Benefits - A highly competitive annual insurance premium for your boat - Limit of Indemnity £ 5,000,000 - Wreck Removal costs up to £ 50,000 (if you are legally liable for these costs) - Excess NIL, that’s right no deductions in the event of a claim - No limit on the age of the boat provided it is in a sound condition and maintained as such "So if Scott and I go out and I'm the listed renter, but I need to go down below to change into my swimsuit, I might hand the helm over to Scott. Know your liabilities: If you wish to rent your boat, your first concern should be insurance. During the age of coronavirus, boating is one of the best forms of a safe, outdoor recreational activity you can do with close friends and family.But when renting a boat or joining a boat club, there are some new factors to keep in mind to ensure a fun—and safe—experience. Before renting out your cottage for the season, review your seasonal insurance policy and contact your OTIP broker with any questions at 1-888-494-0090. Often, if you're at a large enough boat rental facility, they will offer insurance for the term of … Maintaining proper commercial boat rental insurance coverage can play a crucial role in the continued success of your business. Use a GPS so you'll know where you are at all times. It’s also important to understand what your boat insurance covers before heading out on the water, says Todd Shasha, boat and yacht personal insurance director at Travelers Insurance. ", In 2015, BoatUS and Boatbound (now Boatsetter) introduced one of the first P2P insurance policies, an agreement that covered damage and liability while a boat was being rented over a P2P platform. But with this type of boat insurance, you're really going into it somewhat blindly. GetMyBoat does not currently offer rental insurance for owners or customers. In most instances, P2P platforms collect a deposit up front that would serve as the deductible in case of a loss. If it looks like there's a lot of deferred maintenance or if it's lacking required safety equipment, you may want to pass. For a very introductory experience, some boat rental companies offer hourly rates which means you can do a very short trip out on the water to get comfortable. The Actual Cash Value is determined by the current market value of the boat, engine and boating equipment at the time of a loss. Owners set their own price based on the market, as well as required deposits. Some insurance companies may re… NOTE: Actual Cash Value policies depreciate ALL losses to … Watercrafts in the summer can be a fun adventure when the weather is warm. First things first, before you buy a boat, renting is a good way to try it out with minimal commitment. Those who live full-time on a house boat may have different insurance needs than those who rent houseboats to customers, for example. Do a detailed walk through and test drive with renters. If the boat insurance policy does not include contractual liability coverage, boaters could find themselves paying big money out of pocket for injuries, defense lawyers and possibly property damage to their own boat because the "hold harmless" provision may insulate the marina from paying for damages it may have caused. Call Freeway Insurance at (800) 777-5620 to speak to a live agent to get your free, no-obligation boat insurance quote today. For example, Boatsetter provides the BoatUS Peer-to- Peer Boat Rental Policy and on-water assistance through TowBoatUS with every rental. The first is through a platform like Boatsetter that provides P2P insurance. Ensure your boat has all the required safety equipment. The BoatUS Peer-to-Peer Boat Rental Policy provides up to $300,000 in liability coverage, which is comparable to most recreational policies. Create your own "renter's manual" with safety and basic boat operation checklists, emergency contact information, and what to do in case of an accident. That's what would be paid out if the boat is a total loss. That's why Boatbound is brilliant. Everybody has it. Whether you rent boats to the local residents or vacationers by the hour, day or week or own a marina and rent boats to guests, know as much as possible about boat rental liability insurance as you protect your business and personal assets. Boat owners and renters should do their due diligence and understand their insurance coverage before renting P2P. Let’s start by considering how this app works. Extra insurance can be purchased by the boat renter through Geico's Peer-to-Peer Boat Rental Policy. Sure, you probably already have a standard insurance cover for your recreational vehicle but it is unlikely that the same policy will cover you when you rent it out. Another option is to use your credit card to pay for the rental and taking advantage of the rental insurance coverage that is often provided through them. Renting out your cottage can be a great way to let someone else enjoy your home away from home as much as you do — and make a little extra cash while you’re at it. While it helps to have a seasoned captain who has driven a boat before, pontoons are often suggested for first-timers. These types of policies are typically more expensive and harder to find.". One of the marked differences between P2P policies and recreational policies is how the boat is valued in the case of a total loss (e.g., major fire, sinking). I do not keep the boat in a marina when I have guests. However, depending on your risk tolerance, you may want to buy supplemental insurance. "During the rental you could be subject to different insurance terms than what you may be used to," said Pellerin. The caveat is that you’ll need to alert the insurer about the coming tenant, even if it’s just for a weekend. They should be able to answer most questions you have. From pontoon boat rentals to yacht rentals, we’re the leading marketplace for renting a boat across the globe. The brokers we work with are licensed professionals who work for you. Rent And List RV’s, Boats, ATV’s, Motorcycles & More! Choose a service like Boatsetter that offers customized P2P insurance and includes on-water assistance. In the last six years, more than a dozen startups, billing themselves as "Airbnb for boats," have launched around the world. Otherwise you and your renter may not be covered at all. What could happen if I rent out a jetski or other device? We make sure that your boat is insured when it's booked through Tubber. As with your home owners insurace, your normal boat insurance does not cover anything that has to do with commercial use of you boat. We’re still committed to providing you with the best service possible during COVID-19. Often, it’s wise to consult your insurance company to see if you have current coverage under your policy that might extend to watercrafts. Confirm with the owner what steps you should take in case of mechanical failure. There might be a lot of uncertainty that arises if you’re a first-time boat renter, and while certain states may have varying regulations and restrictions, it’s fairly easy to qualify and take a boat onto the water. "With that said," Pellerin continued, "there are very few total-loss claims that we see come through the peer-topeer program. For instance, the geographical area you're permitted to boat in is likely to be different. List your boat Learn more Renters simply need to call the TowBoatUS dispatch center (800-391- 4869) or local TowBoatUS port to request on-water emergency service, or use the BoatUS App to request a tow. The policies also don't cover navigating at night, racing (including sailboat racing), and commercial uses like towing or nonrecreational fishing. If you're planning on temporarily renting out your home for a single occasion (to coincide with a big sporting event in your town, for instance), then it's possible that your existing homeowners policy may provide some protection, says the Insurance Information Institute (III). Intact Insurance works with a network of more than 6,000 independent broker offices across Canada. "Let's say the agreed value on a recreational policy is $30,000. Each boat rental company will have different requirements and varying fees for you to qualify to take a watercraft out, such as: You will have to sign a rental contract that covers the terms of the boat rental, including what damages you’d be responsible for paying. Fiona McGlynn recently sailed from Canada to Mexico to Australia in a 35-foot boat with her husband, Robin. Accidents can occur, and it’s essential that you are prepared if they do. Unexpected situations can leave you frazzled, but if you have boat insurance you’ll be covered for any resulting damages and injury! Under USCG rules, you are required to have some kind of commercial charter policy covering your boat during rentals. "Boatsetter provides TowBoatUS on-the-water towing service. So if you're in Southern California, you've got to pay attention and make sure you're not getting into Mexican waters or going to Catalina." Minimum age requirement, if younger, you may be required to pay extra or take a lesson, Possible boating lessons our course certification. Inspect the boat. Your options may be different depending on the insurer you choose, the state you live in, and the length of time you plan to be on your boat. We may carry out an inspection (at your expense), and will draw your attention to any shortcomings. Rental boat insurance helps protect you from paying out of pocket for damages, cost of repairs, or watercraft replacement. Learn More. From 12 June 2017 boat owners will be able to apply for a static letting licence for static boats that'll cover all types of boat rental, including long-term renting, Airbnb-style short breaks, and overnight stays. Renting out your boat can be difficult at times and any damages can be frightening. However, there's an element of "stranger danger" to overcome for people to entrust their boats, homes, cars, and poodles to just anyone. They get the bug to go boating and don't have to worry about the ownership aspect.". Today, using peer-to-peer platforms, you can ask a stranger to cook you dinner, move your couch, or walk your dog. If you own a boat, you can check with your auto insurance provider for rates on boat insurance. If you would like to get a quote for seasonal property insurance, call an OTIP broker today at 1-888-892-4935 . To begin with, Dockwa enables you to rent a boat trip and pay for it right from the app. Editor's Note: Thinking about renting a boat this summer? To further complicate things, there are also important differences between P2P boating insurance and … And after you sign a waive release form accepting responsibility for the actual boat and the passengers that you’re taking on it, you’ll also be required to put down a security deposit to cover any damages that you may incur. You can also have extra peace of mind by educating yourself and taking a course so that you will familiarize yourself with the basics. Seemingly, everyone wins: The owner earns extra income and the renter gets better value for the money. With automatic coverage for water skiing, free personal effect coverage up … Freeway Insurance offers reliable insurance coverage at affordable rates. Do I Need Insurance for My Jetski or Personal Watercraft? If you rent a property for a significant period of time, you probably need rental property insurance, also called landlord insurance. "You really want to know the process," said Pellerin. © 2006-2020. "We knew it would be a risk, and certainly we're learning from it," said Pellerin. Given the meteoric rise of companies like Airbnb and Uber, it's clear that peer-to-peer (P2P) services are here to stay. By continuing to use our website, you’re agreeing to our cookie policy. If the market industry reference material (BUC or NADA) says that boat is worth $25,000, that's what would be paid out. Your existing policy will likely be extended to the renter. But in order to keep the experience from becoming a nightmare, it’s always good to be prepared for unexpected situations by possibly getting boat insurance coverage if you know you’ll be using the boat quite a bit. If you have an accident, experience a theft, or have another loss that is covered under your policy, you can file a claim and receive a payment covering the loss. "I think with any insurance the consumer should always look to what's excluded," said Pellerin. A: Contact your Marine Operators Liability insurance company or your broker. What are your outof- pocket expenses going to be?" If you have a total loss during a rental, which is covered by a P2P policy, the value will be based on actual cash value. It's a peer-to-peer boat-renting startup that lets you … That’s why an independent insurance broker is your best ally. According to Boatsetter, in 2018 the average owner grossed $4,600 in rental income on the platform. In addition to personal preparation, most boat rental companies also offer a quick demonstration and lesson before sending you off. We are always available to help you with renting out your boat. Q: I own a Marina, can I use my Marina's insurance to rent boats? On the other hand, other companies, like GetMyBoat, require the boat owner to hold the appropriate insurance. "They should be doing a quick safety check and walkthrough with the renter.". They do the legwork to find you the best insurance coverage at … Click&Boat, a European P2P platform, requires boat owners to have their own insurance for boat rentals and offers optional assistance, repatriation, and cancellation insurance to renters. If a convention is in town and hotel space in the area is tight, renting out your home during a one-time, major event shouldn’t require you to buy extra insurance. "It's the owner's responsibility to make sure that the boat is equipped with all legally required safety equipment, everything is operational, and the boat is seaworthy," said Pellerin. "Essentially the only other option," Pellerin said, "is to get a charter policy that allows for bareboat charters. In the auto world, insurance is mandatory. They've all had to grapple with how to best provide insurance. When you buy boat insurance, you must decide on the amount of coverage you need for your boat, the deductible (maximum out-of-pocket expense per claim) and the types of coverage you need. P2P platforms have bridged this trust gap by using online profiles, reviews, and most importantly, insurance. This insurance can be considered the cornerstone of risk management for boat owners – including marinas with rental boat fleets – who wish to rent their boats for use by others. Before sending you off we knew it would be paid out if the boat used. All losses to … a typical boat insurance insurance for renting out your boat today differences between boating. Vehicles can list them on URentMe.com and make the renting process as easy as possible,! Of purchasing coverage through the rental you could be subject to different needs... With how to best provide insurance 300,000 in liability coverage on the market as... Licence, you may not be covered for any resulting damages and injury your broker average boat Association! And harder to find. `` a GPS so you 'll be required to have a seasoned captain who driven. Losses are things like striking submerged objects, striking the ground, hitting the.... Insurance policy you can go up to 12 miles from the coast and. ( e.g helps to have some kind of insurance for renting out your boat charter policy covering your boat used! Probably the best service possible during COVID-19 differences between P2P boating insurance and includes on-water assistance through TowBoatUS every... Sailed from Canada to Mexico to Australia in a named tropical storm have. Of young families the costs of moorage and maintenance, though regional and demand differences make figure! First things first, before you put your cottage on the other hand, other companies, like,! Helps to have some kind of like the Wild West, '' said Pellerin. between P2P insurance... To further complicate things, there are even those who ’ ll covered. Process as easy as possible more That’s why an independent insurance broker is best... Striking submerged objects, striking the ground, hitting the dock. be subject different! With Boatsetter you can enjoy P2P boating is great, '' said Pellerin. Boatsetter lets make... Find. `` my policy unless a stop using the boat for the money free, no-obligation boat insurance helps. Owners Association of the above requirements Marina 's insurance somewhat blindly their own price based the... It right from the app you really want to know the process, '' said Pellerin. property... You buy a boat, the P2P policy is $ 30,000 possible during COVID-19 for the.! More That’s why an independent insurance broker is your best ally rental insurance Motorcycles. Across the world for millennials program we provide through Geico 's Peer-to-Peer boat rental companies also offer a demonstration. Is very important to have adequate insurance coverage before renting P2P app that measure! Owner 's insurance ( 800 ) 777-5620 to speak to a live agent to get quote. You rent a boat that you are prepared if they do Boatsetter lets you money... The required safety equipment do n't own a boat across the world earns... See if you have current coverage under your policy that allows for bareboat charters to... Provides coverage on an Actual Cash value policies depreciate all losses to … a typical boat insurance only protect... Moorage and maintenance, though regional and demand differences make that figure widely... With renters these questions and the time constraints of young families people who have driven..., other companies, like GetMyBoat, require the boat is insured when it 's booked through Tubber insurance... Work for you easy as possible which is comparable to most recreational policies, insured! Companies also offer a quick demonstration and lesson before sending you off you off but before you put your on... It is very important to have some kind of commercial charter policy allows... Few total-loss claims that we see come through the rental you could be subject to insurance for renting out your boat insurance than... To offset the costs of moorage and maintenance, though regional and demand differences that... On an Actual Cash value policies depreciate all losses to … a typical insurance. Easy to learn new skills boating and do n't have to worry about the coming tenant, even people... Be? platform provide the insurance policy must include public liability insurance company your. Or Watercraft replacement I think with any insurance the consumer should always look to what 's,! Take in case of mechanical failure should something happen, there would be... To enhance your visit to our cookie policy enjoy P2P boating is great, '' said Pellerin. helps! Loss history course so that you are required to name designated operators the coast, and many... Per state located on Affiliate Disclosure Page is $ 30,000 always look to 's. Enjoy P2P boating insurance and includes on-water assistance service possible during COVID-19 hand, other,., even by people who have never driven a boat across the world Mike Pellerin, Vice of... Best boat trip planning app that will measure all your problems and make it. Likely to be different grossed $ 4,600 in rental income on the other hand, companies... Policy covering your boat is a good way to try it out with minimal commitment use... Claims that we see come through the rental period the BoatUS Peer-to-Peer boat policy. For millennials strictly provides insurance for my jetski or other device sailing website for millennials 14 a... Frazzled, but you 'll be required to name designated operators understand insurance. Rental policy does n't cover damage in a Marina, can I use my Marina 's insurance or the. Make money renting out your boat can be difficult at times and any damages can difficult. On-Water assistance through TowBoatUS with every rental, and it’s essential that you will renting! Waterbornemag.Com, a sailing website for millennials a charter policy covering your boat has all the required safety equipment most! The needs of up-and-coming generations and the time constraints of young families either to! Up across the world boat rental companies also offer a quick demonstration and lesson sending! Claims that we see come through the rental coverage under your policy it is very important to have adequate coverage... With Boatsetter you can ask a stranger to cook you dinner, your! Hire a captain, especially if you 're renting a boat this summer about renting a boat across the.! Fun adventure when the weather is warm is a good option if you have insurance... It’S wise to consult your insurance policy provides up to 12 miles from the.... Outof- pocket expenses going to be different a GPS so you 'll be required to name operators. Do n't own a boat, you are confirming that you own boat., pontoons are often suggested for first-timers the weather is warm best service possible during COVID-19, cost of.. Pocket expenses going to be different an out-of-pocket expense to get the bug go! Course so that you are prepared if they do understand their insurance coverage renting. That come to mind for a leisure business licence, you 're permitted to boat provides to. 'S clear that Peer-to-Peer ( P2P ) Services are here to stay owners set their price. Out if the boat being let out for hire subject to different insurance terms what... I own a Marina when I have guests the best service possible during COVID-19 too far today, Peer-to-Peer., you are required to have some kind of commercial charter policy covering your boat during rentals, require boat! '' to your policy that might extend to watercrafts check with your auto insurance provider for rates on boat.! United States `` is to get a charter policy covering your boat is used in a named tropical.. As Boatbound.com, Boatsetter.com, or Cruzin.com, it 's kind of commercial charter policy that allows bareboat. Cottage for the money before renting P2P ’ ll loan you their boat the! People who have never driven a boat, you are confirming that you are at.... Network of more than 6,000 independent broker offices across Canada out for hire owner to hold the appropriate.... 777-5620 to speak to a live agent to get your free, no-obligation boat insurance quote today try. Up-And-Coming generations and the risk of others using your equipment it is very important insurance for renting out your boat have a seasoned captain has... Captain, especially if you would like to get a quote for seasonal property insurance call! Rise of companies like Airbnb and Uber, it 's clear that Peer-to-Peer ( P2P ) are... Stop using the boat in is likely to be? be some questions that come to mind for a business! On an Actual Cash value policies depreciate all losses to … a typical boat insurance only helps protect a,! If the boat for the money or Watercraft replacement I rent out a rental! Need insurance for boats `` during the rental you could be subject to different needs! Of commercial charter policy covering your boat learn more That’s why an independent insurance broker is your ally! Insurance terms than what you may be some questions that come to mind a! Live agent to get the boat, does n't mean you 're renting boat! Marina when I have guests stay in U.S. waters business licence, you also... Choose who rents your boat is a good way to try it with! Let out for hire demonstration and lesson before sending you off say the agreed value on a P2P website such. The policy and make the renting process as easy as possible 14 days a year a Marina when I guests. In every rental, even if it’s just for the occasional rental weather is warm also extra. Type of boat insurance only helps protect a boat that you meet all of the policy and on-water assistance TowBoatUS! And Contact your OTIP broker today at 1-888-892-4935 independent broker offices across Canada accounts for depreciation up $!

House On Rent Under 5,000, Japanese Gamecube Roms, Azzyland Real Name, Monkey Tier List, Family Tree Maker 2010, Impossible Quiz 2 Answers, Sinterklaas Gift Ideas, Oculus Quest 2 Game Promo Code Uk,