Summary and cost of protection | Canada hosts

We make a standard protection plan available to hosts in the Canadian provinces of Alberta, British Columbia, Nova Scotia, Ontario, and Quebec. You allocate 30% of the trip price to cover the cost of protection and keep 70%. See this earnings and payment information for a detailed look at how much you can earn as a host. Coverage varies depending on when damage occurs and the province in which the trip begins. Hosts in these regions can decline protection and operate as a Commercial Host, providing their own commercial or rental liability insurance to guests. All Canada-based hosts outside of these regions must operate as Commercial Hosts. 

You’ll choose or decline the standard protection plan when you create your listing. If you decline protection and operate as a Commercial Host, we’ll ask you to submit proof of the proper insurance, and you’ll receive 80% of the trip cost. You can change your choice at any time, but changes won’t apply to booked or in-progress trips, and all of your vehicles must have the same kind of protection. To change the protection plan for your vehicle, choose “Vehicles” from the Host hub. Open the vehicle listing to edit it and choose “Vehicle protection” from the menu. We’ll display your current plan and the details of what’s included. Scroll down to “More options” and choose “Decline protection.” </div>

• Reservation Period*
• In all provinces: the plan provides $2,000,000 in liability protection. 
• In Alberta, Nova Scotia, Ontario, and Quebec, the plan provides physical damage protection up to the actual cash value of the vehicle with a limit of $105,000, with the exception of all models of Tesla vehicles. 
• In British Columbia, the plan provides physical damage protection up to the actual cash value of the vehicle with a limit of  $75,000, with the exception of all models of Tesla vehicles.
• Delivery Period**  
• Alberta, Nova Scotia, Ontario, and Quebec: You’re covered by $2,000,000 in liability protection and by physical damage protection. 
• British Columbia: You aren’t covered during the delivery period. 
• The protection plan your guest chooses is completely separate from your own. It has no bearing on the coverage amount you may receive. That’s because a guest’s plan limits their out-of-pocket payment for eligible damage to your car on a trip. Your plan provides physical damage coverage for your vehicle.  
• If you fail to comply with Turo’s Terms of Service, we may void your protection plan. 
• If your guest books a car in Canada, they may drive across province borders into other Canadian Provinces and across the US-Canadian border during their trip. Your protection plans will remain in effect. Guests who book a car in Canada aren’t permitted to drive into Mexico. 
• The better informed you are, the more comfortable you’ll feel. Read complete plan details.

*The Reservation Period is the period shown for a booked trip. It begins at the trip start time listed in the reservation and when the vehicle is in the custody or control of the guest. It ends the earlier of the trip end time or when the vehicle is returned to the host or to the location designated in the reservation. 

**The Delivery Period is the time when the host or Turo-approved driver designee, is actively delivering the car to the primary guest whose reserved delivery and ends when the car has been delivered to the primary guest. The period doesn’t include the time when the host or designee is retrieving the car at the end of the trip.