How much does a protection plan cost?
How much a protection plan costs depends on the plan you choose. Each protection plan represents a percentage of the trip price that you’ll keep and entitles you to reimbursements for different items. The more of these earnings you keep, the higher your deductible. We use “deductible” to mean the amount you pay before you’re eligible for reimbursement if there’s physical damage to your car during a guest’s trip. If you’re a host in the US, we’ll make protection plans available to you, or you can decline protection and operate as a Commercial Host. Commercial Hosts must provide their own commercial or rental liability insurance to guests.
You’ll choose a plan for your vehicle when you create your listing and can change the plan at any time. Changes won’t apply to pending trip requests, booked, or in-progress trips for that vehicle. If you have more than one vehicle listed, you can choose different plans for each, unless you’re operating as a Commercial Host. 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. To see other plan information, tap “Change.”
US host protection plan summary and cost
60 plan
- Host take: 60% of trip price
- Deductible: $0 per incident of physical damage to your vehicle
- Third-party liability insurance* for Reservation** and Delivery*** periods: $750,000
- Replacement vehicle reimbursement†: $50/day, 10 day max; $500 if total loss or host takes loss of hosting income
- Exterior wear and tear†: Turo assumes responsibility for eligible exterior wear and tear
- Loss of hosting income†: Turo assumes responsibility for vehicle’s potential earnings based on the last 60 days up to a maximum of 30 days for repairable vehicles or host takes replacement vehicle reimbursement
75 plan
- Host take: 75% of trip price
- Deductible: $250 per incident of physical damage to your vehicle
- Third-party liability insurance* for Reservation** and Delivery*** periods: $750,000
- Replacement vehicle reimbursement†: $30/day, 10 day max; $300 if total loss
- Exterior wear and tear: Not included
- Loss of hosting income: Not included
80 plan
- Host take: 80% of trip price
- Deductible: $750 per incident of physical damage to your vehicle
- Third-party liability insurance* for Reservation** and Delivery*** periods: $750,000
- Replacement vehicle reimbursement: Not included
- Exterior wear and tear: Not included
- Loss of hosting income: Not included
85 plan
- Host take: 85% of trip price
- Deductible: $1,625 per incident of physical damage to your vehicle
- Third-party liability insurance* for Reservation** and Delivery*** periods: $750,000
- Replacement vehicle reimbursement: Not included
- Exterior wear and tear: Not included
- Loss of hosting income: Not included
90 plan
- Host take: 90% of trip price
- Deductible: $2,500 per incident of physical damage to your vehicle
- Third-party liability insurance* for Reservation** and Delivery*** periods: $750,000
- Replacement vehicle reimbursement: Not included
- Exterior wear and tear: Not included
- Loss of hosting income: Not included
*All protection plans include coverage under a third-party automobile liability insurance policy issued to Turo from Liberty Surplus Insurance Corporation (a Liberty Mutual Group company) (“Liberty Mutual”).Liability coverage is $750,000 for all host protection plans, except in some states and at some airports that require additional coverage.
**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 who’s 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. There is third-party liability insurance available during the Delivery Period if the guest books delivery in the reservation, but no contractual reimbursement for physical damage to the host’s car during the Delivery Period.
†If Physical Damage results from an “act of nature” (e.g., flood, earthquake, hail, windstorm, etc.), Turo will only be responsible for (and its liability is limited to) the amount equal to the amount (if any) that the Host’s private passenger auto insurer would have had to pay for that damage under the primary insurance policy covering the shared vehicle in effect immediately before the start of the Reservation Period.