Turo’s protection plan is not available to hosts whose vehicles are listed outside of Alberta, Ontario, and Quebec. The plans do not apply to hosts who have declined a protection plan in order to provide their own commercial rental insurance to their customers.
This article describes protection options for Canadian vehicle hosts. If you are booking via Turo, please check out our other article customized for guests for details about your protections as a guest.
The plan provides $2,000,000 in liability protection provided by our insurance partner Intact Financial Corporation as well as physical damage coverage.
A rental car company that can offer commercial rental liability insurance directly to their guests and for their vehicles may choose to decline the Turo protection. If a rental car company chooses to decline the Turo protection, they must provide commercial insurance that is verified by Turo prior to the host renting out their vehicles. A company or person that chooses to do this is known as a Commercial Host.
For hosts to qualify for physical damage coverage during the delivery and reservation period, Turo must have the following documentation: (1) clear photo documentation of the areas the host is seeking coverage for taken within 24 hours of the start and end of the trip; or (2) Other evidence (e.g. a police report, 3rd party report) that confirms the damage took place during the trip.
So long as a host is in compliance with the Terms of Service and has not chosen to decline a Turo protection plan, the following protections are available:
Liability coverage. The hosts will have the benefit of third party liability protection of up to $2,000,000, as further described on Intact’s page.
Physical damage. Turo will provide physical damage protection of coverage up to the actual cash value of the car, up to a limit of $75,000, for any event that qualifies as a covered peril during the delivery period and reservation period. The exception is the Tesla model X, model S, and model 3; Turo will provide coverage up to the actual cash value of these cars with no other limit. Details can be found on Intact’s page.
Deductible. There is no deductible for physical damage to the car for hosts if the loss occurs during the reservation period.*
Replacement vehicle. Either Turo or Intact can provide you with a replacement vehicle while your vehicle is repaired, for a total maximum of $500.
Exterior wear and tear. Standard wear and tear is not covered under Turo’s commercial policy. Wear and tear is not considered a standard coverage under automobile insurance policies.
Loss of sharing income. Turo does not offer loss of rental income while your vehicle is repaired.
Quality of repairs. There is no guarantee, expressed or implied, for the quality of repairs. If a shop repairs the covered damage and the repairs later turn out be of low quality, there will be no coverage for repeat repairs.
- Covered Peril: A covered collision or comprehensive event that takes place during the rental period, excluding:
- pre-existing damage;
- interior wear and tear
- exterior wear and tear for vehicles
- any mechanical failure;
- aftermarket parts, accessories, wraps or decals
- any damage that occurs where a host is in violation of the Terms of Service
- personal items left in the car; and
- Any damage to or resulting from tires that are defective, have excessive wear & tear or dry rot, have tread depth less than 4/32 inch, were not properly inflated at vehicle hand-off, or are 6 or more years old.
- Collision: this is when two vehicles hit each other, or when a single vehicle hits an object.
- Comprehensive: other property damage to the car that isn’t a collision – fire; theft or attempted theft; lightning; windstorm; hail or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of aircraft or parts of aircraft; falling or flying objects, missiles or vandalism.
- Physical Damage: any damage incurred to a vehicle that meets the definition of a covered peril.
- Delivery Period: the Delivery Period is the period of time between the vehicle host’s departure location to the delivery address which shall not exceed two (2) hours, unless circumstances arise which are beyond the vehicle host’s control that impede his/her ability to deliver the vehicle, in which case the delivery of the vehicle shall not exceed twenty-four (24) hours.
- Exterior Wear and Tear: any dings, dents, cracks, or scratches to the exterior body of the vehicle that are 3 inches in diameter or less. This includes, but is not limited to, rims, wheels, hubcaps, any painted or textured area for the body of the vehicle, and moldings. Details on wear and tear here.
- Interior Wear and Tear: minor scuffing of interior surfaces that is 3 inches or less in diameter, along with any dials, switches, knobs, that break or fail over time. Cuts and punctures that are clearly due to abuse or misuse by the traveler are not included in this definition.
- Mechanical Failure: any mechanical, electrical, suspension, engine, or transmission damage a vehicle incurs due to age, normal usage, defect, a lack of maintenance, or warranty issue, along with any resulting damage that arises due to those causes, and excluding any mechanical damage caused by the guest's negligence or intentional misuse. Clutch damage is handled separately and our policy can be found here.
- Deterioration: any fading, discoloration, rust, or wear caused to the interior or exterior of the vehicle over time. Also includes any deterioration from road use of tires, and mechanical deterioration of belts, suspension, electrical and mechanical components, along with any resulting damage from these events.
In all cases, the host’s protection is not affected by whether and how much Turo may collect from guests or other third parties.
*So long as the host is in compliance with the Terms of Service, and the covered peril occurs during the rental period, the $1,000 deductible described in Intact’s FAQ article will not be applied to the host. If the host is deemed at-fault for a loss that occurs during the delivery period, the host is responsible for paying the $1,000 deductible.
For Commercial Hosts who provide their own commercial rental insurance instead of a Turo protection plan, they do not benefit from any protection from claims, damages, or any other circumstance as described in the above sections. A host who declines a protection package and opts into the Commercial Host program must resolve any and all damages and disputes directly with their guests and their commercial insurance provider.
If you have questions regarding selecting among these options, please consult your insurance professional, or contact us at support.turo.com.