This article only applies to guests in the Canadian provinces of Alberta, Nova Scotia, Ontario, and Quebec. For trips in the US, click here. For trips in Germany, click here. For trips in the UK, click here. For information on booking cars outside of these regions, please see the section at the end of this article titled “Commercial Hosts.”
Turo does not require you to have your own personal insurance coverage in order to book a car on our platform. If you have insurance, liability insurance offered by Turo via its partner Intact Financial Corporation will supplement your existing coverage. Some hosts on Turo have opted to decline a Turo protection plan where they are able to offer commercial rental insurance directly to guests. Guests who book those vehicles are subject to the host’s commercial insurance policy instead and waive Turo’s protection.
All reservations with a protection package booked via Turo in Canada are covered by a $2,000,000 liability insurance (including accident benefits) provided by Intact Financial Corporation and regardless of the protection plan you selected for your trip. Details on the liability and accident benefits coverage can be found here.
As described in this FAQ, for protection against damage to the booked vehicle you may choose from many coverage options. Turo offers one plan with primary physical damage protection, so you have no out-of-pocket exposure. We also offer two plans with supplemental physical damage protection, so that after your personal insurance coverage is exhausted, your out-of-pocket exposure can be limited to either $500 or $2,000, depending on the option selected, but regardless of fault. You can also choose to decline all physical damage protection, and rely solely on your own applicable personal insurance coverage.
If you decline all physical damage protection, your out-of-pocket exposure will extend to the full value of the vehicle and all related costs, as described in this in this FAQ. We strongly advise that you should only decline one of our protection plans if you’re confident that your personal insurance will cover you during a Turo trip; it is best to check with your insurance company or policy prior to making your decision.
Credit card companies are highly unlikely to provide any coverage for a Turo trip, and some personal insurance companies may specifically exclude coverage for guests who use car sharing. For more details, click here.
If you are booking a vehicle with a Commercial Host (e.g. outside of the United States, Canadian provinces of Alberta, Nova Scotia, Ontario, Quebec, Germany, or the UK, or a vehicle within these regions where the host has waived Turo’s protection and is providing their own insurance instead), their requirements for you having insurance may be different. You may be subject to their own, different insurance policies and fees. You should consult the vehicle’s listing and host for information on insurance coverage.