Fast Facts:
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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 Canada through Intact Financial Corporation. You can find more information on coverage by visiting Intact’s FAQ page.
Hosts and guests in Canada are eligible for the protections outlined below as long as:
- You’re a host or guest in Alberta, Nova Scotia, Ontario, or Quebec
- You’ve chosen a Turo protection plan
- 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
- checking that guests have a valid license that matches the name on the booking.
- For hosts other than Turo Go hosts, this includes:
Host
Below is a summary of coverage for hosts in Canada. Coverage varies depending on when damage occurs and the protection plan you’ve chosen. For more information, you can read a detailed explanation of host protection plans in Canada.
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 and with the exception of Teslas.
Delivery period
The delivery period is the period during which the host or custodian is in transit to deliver the car to the guest. The delivery period does not include any time after the trip ends. During the delivery period:
- Hosts are covered by $2,000,000 in liability protection and by physical damage protection
- Hosts pay a $1,000 deductible for a loss that occurs during delivery only if they’re found to be responsible for the loss. The terms are described in Intact’s FAQs.
Primary Guest
Your liability coverage and deductible depends on which Turo 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.
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.