Turo is available in the United States, select provinces of Canada, Germany, and many other countries. In Canada, your ability to list your car on Turo (and benefit from a protection package) depends on who your personal insurance provider is and what type of insurance you have for your vehicle. Please read on for more information.
1: If you are a vehicle owner in Alberta, Ontario, or Quebec with a personal insurance policy:
- 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 of your personal policy and the inability to obtain a new policy. You may only list your vehicle(s) once you have received acknowledgment from your insurance provider about your participation in Turo. This is to help protect you and your insured vehicle(s).
- Although your personal insurance will not be used during a Turo transaction, your personal insurer must approve of your participation in person-to-person car sharing. To see a list of approved insurers, please click here.
- Even if your insurance is provided by one of the companies listed, you must still 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.
- Liability insurance provided by Intact Financial Services covers up to $2,000,000 for third party liability for a Turo transaction.
2: If you are a vehicle owner 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 guest, any additional car(s) you list on Turo will be automatically set to decline a protection package and you will be providing your own commercial rental insurance to your guests for any trips.
- You may only list your vehicle(s) in the province where you are registered and insured.
For more information about person-to-person car sharing in Turo in Canada, please read this article.
For more information on providing your own commercial rental insurance directly to your guests, please read this article.