Insurance and protection plan summary | Canada – Turo Support

Fast Facts:

The protections described here are available only to Canadian hosts and guests who choose a protection plan offered via Turo and comply with our Terms of Service.
Read the complete details of Canadian host protection plans and Canadian guest protection plans.
You can read a simple description of insurance coverage in the US, Germany, and the UK.
Consult an insurance professional if you need help choosing among these options.

Overview

Insurance can be complicated, so we’ll try to make it simple. Turo isn’t an insurance company. We make protection plans available to hosts and guests in Alberta, Ontario, Nova Scotia, and Quebec through Intact Financial Corporation. We make protection plans available to hosts and guests in British Columbia through Insurance Corporation of British Columbia (ICBC). You can find more information on coverage by visiting Intact’s FAQ page or ICBC’s website.

Hosts and guests in Canada are eligible for the protections outlined below as long as:

You’re a host or guest in Alberta, British Columbia, Nova Scotia, Ontario, or Quebec
You’ve chosen a protection plan made available via Turo.
- That means protections don’t apply to Commercial Hosts or guests who book with these hosts.
You comply with our Terms of Service. For hosts other than Turo Go hosts, this includes taking pre-trip photos and checking that guests have a valid license that matches the name on the booking.

Hosts

Turo makes a standard protection plan available to hosts. Hosts who choose this plan keep 70% of the trip price and receive the coverage summarized below. Coverage varies depending on when damage occurs and the province in which the trip begins. For more information you can read a detailed explanation of host protection plans in Canada.

Protection plan summary by province

	AB, NS, ON & QC	British Columbia
Booking period	Liability coverage Up to $2,000,000 Physical damage Up to the ACV of the vehicle with a limit of $105,000, Teslas excluded	Liability coverage Up to $2,000,000 Physical damage Up to the ACV of the vehicle with a limit of $75,000, Teslas excluded
Delivery period	Liability coverage Up to $2,000,000 Physical damage Up to the ACV of the vehicle with a limit of $105,000, Teslas excluded	Not covered
Deductible	$1,000 for a loss that occurs during delivery *only if* found to be at fault	NA

Booking period

The booking period is the period shown in the trip confirmation. During the booking period:

Hosts are covered by $2,000,000 in liability protection.
The plan provides physical damage protection up to the actual cash value of the vehicle with a limit of $105,000 for hosts in Alberta, Nova Scotia, Ontario, and Quebec, with the exception of Teslas.
The plan provides physical damage protection up to the actual cash value of the vehicle with a limit of $75,000 for hosts in British Columbia, with the exception of Teslas.

Delivery period

The delivery period is the time during which the host is actively delivering the shared vehicle to the guest immediately before the reservation period. The delivery period does not include any time after the trip ends. During the delivery period:

Hosts in Alberta, Nova Scotia, Ontario, and Quebec are covered by $2,000,000 in liability protection and by physical damage protection. They pay a $1,000 deductible for a loss that occurs during delivery only if they’re found to be at fault for the loss.
Hosts in British Columbia are not covered during the delivery period.

Commercial Host trips

Guests may book a trip with a Commercial Host. These hosts provide their own rental liability insurance to guests. Check their vehicle listing or contact them directly for information about coverage limits, exclusions, and costs.

Primary Guest

Your liability coverage and deductible depends on which protection plan you choose. However, none of the protection plans cover mechanical or interior damage. You’re fully financially responsible for any such damage.

Below is a summary of protection plans for guests in Canada. You can find complete information about guest protection plans in Canada.

	Premier	Standard	Minimum	Decline Coverage
Liability coverage	Up to $2,000,000	Up to $2,000,000	Up to $2,000,000	Up to $2,000,000
Deductible	$0	$500	$2,000	Guest is liable for all costs related to physical damage to vehicle
Physical Damage protection to the Actual Cash Value of the car	Yes	Yes	Yes	No
Mechanical or interior damage coverage	No	No	No	No

Premier plan

Liability coverage up to $2,000,000.
Physical damage to the car covered up to the actual cash value of the car.
- In each case, coverage is primary and your out-of-pocket exposure is limited to $0.
The Premier plan is not available for trips booked in Deluxe or Super Deluxe vehicles.

Standard plan

Liability coverage up to $2,000,000.
Physical damage to the car covered up to the actual cash value of the car.
- In each case, coverage is secondary to any other insurance you may already have.
There is no deductible for the supplemental liability coverage.
For the physical damage protection, once you’ve exhausted your own insurance for physical damage, your out-of-pocket exposure is limited to $500, regardless of fault.

Minimum plan

Liability coverage up to $2,000,000.
Physical damage to the car covered up to the actual cash value of the car.
- In each case, coverage is secondary to any other insurance you may already have.
For the physical damage protection, once you’ve exhausted your own insurance for physical damage, your out-of-pocket exposure is limited to $2,000, regardless of fault.

Decline coverage

Liability coverage up to $2,000,000.
Guests who decline a protection plan are responsible for the cost of damage up to the value of the booked vehicle plus processing fees of up to $150, regardless of fault.