Turo protects hosts, guests, and third parties, addressing both liability and physical damage exposure, on trips where the vehicle is insured via Turo’s insurance partner Allianz. This article below focuses primarily on guests. For details about host protection plans, click here.
- Liability policy addresses two components, and the insurance is provided according to the following terms where the vehicle and guests are insured via Turo’s insurance partner Allianz:
- Bodily injury and property damage to third parties: Guests may select one of three Turo protection plans which include €100 million combined single limit.
- Partial Comprehensive: property damage to the car caused by theft, fire, animal impacts, and acts of nature (windstorm, flood, etc.).
- Full Comprehensive: other property damage to the car that isn’t partial comprehensive - vandalism, damage caused when two vehicles hit each other, or when a single vehicle hits an object.
Guest: The primary guest (who books the reservation on his or her account) is responsible to return the car on time and in essentially the same condition it was in when they first received it. The primary guest is financially responsible for all physical damage unless he or she provides documentation of pre-existing damage. The primary guest may document pre-existing damage by uploading Trip Photos at the beginning of the trip, by uploading pictures and a description to support.turo.com at the start of the trip, or has documented an agreement with the host regarding pre-existing damage by utilizing the trip check in and checkout process via the Turo app.
The guest can choose from three (3) options to satisfy his or her physical damage obligations where the vehicle is insured via Turo’s insurance partner and not through a commercial rental policy offered by the host.
- “Premium” Plan: The primary guest’s out-of-pocket exposure is limited to payment of a deductible of €250. When damage is reported, the guest will be charged €250, and if the total costs (direct costs of damage, plus all “Related Costs”, as defined below) are less than €250, the guest will be refunded the difference.
- “Basic” Plan: The guest’s out-of-pocket exposure is limited to a payment of a deductible of €750, under the same structure described in the Premium plan.
- “Minimum” Plan: The guest’s out-of-pocket exposure is limited to a payment of a deductible of €1,500, under the same structure described in the Premium plan.
Please note that 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.
Terms of Service violations. For any plan, if the guest or any of their Approved Drivers has violated the Terms of Service, engaged in any Prohibited Uses, or otherwise intentionally, recklessly, or with wanton disregard, misused the car, the deductible limits described above will not apply and the primary guest will be liable for physical damage up to the actual cash value of the car, in addition to all Related Costs.
Mechanical or Interior Damage. Furthermore, if during the reservation period, there is damage caused to the interior of the vehicle or mechanical damage caused (not normal “wear and tear), the protections described above do not apply, and the primary guest will be liable for the full cost of the repairs or replacement, as well as Related Costs.
Mobility Protection. Turo provides additional mobility protection in the event of a breakdown, vandalism, or accident. For more information, view the full policy here.
Related Costs. "Related Costs" may include all costs and fees permitted by law, including but not limited to, estimation or appraisal costs, storage fees, towing fees, repair or replacement costs, registration or transfer taxes, claims processing costs and all similar or associated costs, minus any residual salvage value that is collected. Claims processing costs vary, but are typically up to €150 per claim. If a third party accepts total fault for the claim and that third party’s insurer processes it on behalf of the host without substantial processing by Turo’s insurance partner Allianz, the guest will be refunded the claims processing fee.
If you have elected to book a vehicle where the host is not utilizing insurance through Turo’s insurance partner and is instead providing commercial rental liability insurance directly to you, none of the above applies. Please refer to the listing or contact the host to understand any insurance or protection available to you and any related fees.
If you have additional questions regarding selecting among these options, please consult your insurance professional, or contact us at support.turo.com, and we will direct you to our insurance broker.
If, at any point during your trip, you choose to drive your vehicle outside of Germany, you are required to abide by all local and national driving and vehicle safety laws, even if those laws differ from Germany’s.