No, you don't. Every car is insured, including a liability and personal accident insurance. That means that harm to both passengers and third parties is covered. The possessions that you bring into the car are not covered by this car insurance. We cannot be held responsible for theft or damage to your possessions. For damage to Greenwheels cars there's a standard deductible, that you can reduce per trip. You can do that in your account when you book a car.