Insurance and protection plan summary | Germany

Fast Facts:

  • The protections described here are available only to German hosts and guests who choose a Turo protection plan and comply with our Terms of Service.
  • You can read a simple description of insurance coverage in the US, Canada, and the UK. 
  • Read the complete details of German host protection plans and German guest protection plans. 
  • Consult an insurance professional if you need help choosing among these options. Or contact us at support.turo.com, and we’ll direct you to our insurance broker.

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 Germany through Allianz. 

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

  • You’re a host or guest in Germany 
  • You’ve chosen a Turo protection plan
  • You comply with our Terms of Service
    • This includes: 
      • taking pre-trip photos 
      • checking that guests have a valid license that matches the name on the booking. 

Host 

Turo offers German peer-to-peer hosts the Standard protection plan. Hosts who decline Turo protection and offer their own commercial liability insurance to guests are Commercial Hosts. For more information you can read a detailed explanation of host protection in Germany. Below is a summary of coverage for all hosts in Germany. 

   

Standard Protection

Commercial Hosts




Protections

  €100 million liability

Yes

No

Physical damage protection for value of the car up to €75,000

Yes

No

  Deductible for physical damage

  to host’s car

€0

NA

Turo travel credit during covered loss

Yes

No

Portion of trip price kept by host

75%

90%

 
Guest

Your coverage cost 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. You must pay the deductible for every claim that occurs. This means that, in the case of multiple damage issues, you will be required to pay a deductible for each separate claim.

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

 

Premium

Basic

Minimum

Deductible amount

€250

€750

€1,500

Plan price

60% of trip price*

30% of trip price*

0% of trip price*

*Trip price is calculated by the amount the car costs per day. This does not include any processing fees or fines.

Premium plan

  • This protection plan costs 60% of the trip price.
  • Out-of-pocket exposure is limited to payment of a €250 deductible. 
  • You’ll pay an initial charge of €250 when damage is reported. If total costs are less than €250, we’ll refund you the difference. 

Basic plan

  • This protection plan costs 30% of the trip price.
  • Out-of-pocket exposure is limited to payment of a €750 deductible. 
  • You’ll pay an initIal charge of €750 when damage is reported. If total costs are less than €750, we’ll refund you the difference. 

Minimum plan

  • This protection plan costs 0% of the trip price.
  • Out-of-pocket exposure is limited to payment of a €1,500 deductible. 
  • You’ll pay an initial charge of €1,500 when damage is reported. If total costs are less than €1,500, we’ll refund you the difference. 

Commercial Host trips

You 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.

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