Understanding insurance and your physical damage coverage | Canada guests

Protection plans are available to guests who book trips with peer-to-peer hosts. If you choose a protection plan for your trip, it’ll include three key elements.

1. Third-party liability insurance. Insurance for guests in Alberta, Nova Scotia, Ontario, and Quebec is provided by Intact. Insurance for guests in British Columbia is provided by Insurance Corporation of British Columbia (ICBC). This insurance provides secondary coverage for damage to another person or their property. (Any personal insurance you have is primary, and Intact’s or ICBC’s insurance kicks in after). 
2. Physical damage coverage. This coverage limits your out-of-pocket costs for damage caused to the host’s vehicle during the trip. It does not remove your responsibility for interior or mechanical damage you may cause. Physical damage coverage and your out-of-pocket costs vary depending on the plan you select. While your own out-of-pocket costs are capped, any available personal insurance you may have that would cover damage to the host’s vehicle would still apply.
3. Eligibility for roadside assistance through Turo, although additional costs may apply. 

If you book your trip with a Commercial Host, you won’t be given the opportunity to get a protection plan on Turo. Instead, a Commercial Host will offer you their own commercial or rental liability policy outside of the Turo trip. They may also offer you a collision damage waiver or roadside assistance. Check their vehicle’s description to see what insurance or physical damage is included and what you must purchase separately. Message your host with questions. You’ll work with a Commercial Host — not Turo — to arrange roadside service, if they offer it, and to manage any insurance claims.

Which protection plan you choose is generally up to you. But it’s helpful to keep a few things in mind when making your choice.

• The greater the cost of the protection plan, the less you’re responsible for paying out of pocket if there’s covered vehicle damage on a trip. It’s important to note that if you’re involved in an accident caused by someone else or someone vandalizes or damages the car, we’ll try to recover damage costs from the at-fault party. In British Columbia, Ontario, Nova Scotia, and Quebec, we’ll be unable to recover costs from the at-fault party due the no-fault insurance rules in those provinces. In those cases, and in cases in Alberta in which we’re unable to recover costs from the at-fault party, you’ll be responsible for the repair cost because the damage happened during the booked trip. Find out the cost of guest protection plans. 
• You don’t need to have your own car insurance to book a trip on Turo. But if you have personal insurance, your own liability and physical damage insurance will be primary (assuming no exclusions) to anything you receive as part of a protection plan you select. 
• While not impossible, it’s unlikely that your credit card would provide insurance coverage for a car sharing trip. Check with them before making a decision about declining a protection plan. 
• The protection plan your host chooses is completely separate from your own. It has no bearing on your financial responsibility or the out-of-pocket costs associated with your plan. That’s because a host’s plan protects their vehicle by providing physical damage reimbursement. Your plan protects your wallet. It does so by limiting the amount you’ll pay out of pocket if there’s eligible damage to your host’s vehicle on a trip. 
• In some cases, we limit the plans available to you if you’re below a certain age or booking a high-value vehicle.
• If you fail to comply with Turo’s Terms of Service, we may void your protection plan. 
• The better informed you are, the more comfortable you’ll feel. See a summary and cost of guest protection plans in Canada and read complete plan details.

You’re responsible for reimbursable vehicle damage to the host’s car during your trip, up to the out-of-pocket cost limit of your protection plan. If you have personal insurance that covers damage to the host’s vehicle or other third parties or property, that will apply before your protection plan kicks in, unless you choose the Premier plan. You’re not responsible for non-reimbursable wear and tear. Nor are you responsible for pre-existing damage that you reported and documented before the start of your trip. Learn how to protect yourself by taking photos to document a vehicle’s condition.   

Instead of involving Turo, you and your host may choose to work together to resolve damage. While your financial obligation for physical damage to your host’s vehicle remains the same (it’s up to your out-of-pocket limit), this option will save you the cost of claims processing and administrative fees. If Turo is involved in processing a claim for physical damage to the host’s vehicle, we’ll charge you an initial deposit. Depending on your plan, the deposit amount will be between 0 CAD – 2,000 CAD. If you paid a security deposit for your trip, we’ll apply that deposit toward this cost. If the security deposit doesn’t cover the cost, we’ll charge one of the payment cards on your account for the balance, or we’ll send you an invoice. If you choose a protection plan, you’ll pay up to the maximum out-of-pocket costs allowed by your plan. If you decline a plan, you’ll be responsible for the ultimate assessed costs for physical damage to the host’s vehicle up to its actual cash value plus related administrative fees.