Turo operates in the United States, select provinces of Canada, and many other countries. In Canada, you may only participate on Turo (and benefit from Turo’s protection package) depending on what type of insurance provider you have for your vehicle in conjunction with the province in question. Please read on for more information!
1: If you are a vehicle owner in Alberta, Ontario, or Quebec with a personal insurance policy:
- You may only list your vehicle if you have a personal policy with Intact, Belairdirect, Novex Insurance, Jevco, La Capitale General Insurance, L'Unique General Insurance, Industrial Alliance, SSQ General Insurance Company, Desjardins General Insurance Inc. or The Personal General Insurance Inc. Although your personal insurance will not be used during a Turo transaction, your personal insurer must approve of your participation in peer to peer carsharing. We are adding new approved insurers all the time so check back often if you do not see your insurance provider listed.
- Liability insurance provided by Intact Financial Services covers up to $2MM for Turo transaction.
- You are required to verify with your insurer if you may participate in Turo’s marketplace. Failure to obtain approval from your personal insurance provider may result in the voiding your policy and the inability to obtain a new policy. Even if your insurance is provided by one of the the companies listed above, you still must notify them of your intention to list your vehicle on Turo.
- You may not list your cars outside the provinces of Alberta, Ontario, and Quebec.
2: If you are a vehicle owner in Alberta, Ontario, or Quebec and you have a commercial rental policy:
- Any commercial rental insurance policy that meets Turo’s requirements may enroll in Turo’s owner-provided insurance program, provided your insurance provider is okay with it.
- If you list any vehicle and decline a protection package in order to offer your own commercial rental insurance directly to your traveler, any additional car(s) you list on Turo will be automatically set decline a protection package.
- You may not list your vehicles on Turo outside the provinces of Alberta, Ontario, and Quebec.
3: If you are an owner in any province other than Alberta, Ontario, or Quebec:
- You may list your car on Turo only if you can provide commercial rental insurance directly to your travelers, regardless of who your commercial insurance provider is, provided your insurance meets our requirements.
- You may list your cars in multiple provinces, but you may not list them in Alberta, Ontario, or Quebec.
For more information about person-to-person carsharing in Turo in Canada, please read this article.
For more information on providing your own commercial rental insurance directly to your travelers, please read this article.