For trips in Canada, please click here for a simple description of insurance coverage.
For trips in Germany, please click here for a simple description of insurance coverage.
Insurance isn’t simple, but let us try to explain it as simply as possible. As long as you’re in compliance with the Terms of Service (including the requirement for the owner to check that the primary guest has a valid driver's license, and taking pre-trip photos) and protection for the trip is provided via Turo, not from a Commercial Host’s own commercial rental insurance, the following protections apply:
- Booking Period (i.e., the period shown in the trip confirmation). Primary liability coverage up to $1,000,000; protection for physical damage to your car is provided without deductible for the "Premium" and "Standard" host protection plans, and with a $3,000 deductible for the "Basic" plan. No coverage is available for hosts who are not utilizing a Turo protection plan.
- Delivery Period (i.e., when the host (or designee), who is a Turo Approved Driver is actively delivering the car to the guest, and not while retrieving the car from the guest). Primary liability coverage up to $1,000,000; no protection for physical damage to your car. No coverage is available for hosts who are not utilizing a Turo protection plan.
- Premium Plan: Liability coverage up to $1,000,000; physical damage to the car covered up to the actual cash value of the car. In each case, coverage is secondary to any other insurance you may already have. There is no deductible for the supplemental liability coverage; for the physical damage protection, once you’ve exhausted your own insurance for physical damage, your out-of-pocket exposure is limited to $500. There is no coverage in any guest plan (i.e., you are fully financially responsible) for mechanical or interior damage.
- Basic Plan: Liability coverage up to the minimum required by the state where the car is registered. Physical damage deductible is $3000.
- Decline Coverage: Same liability coverage as in the Basic Plan, but no protection at all for physical damage: guest is liable for all costs related to physical damage to the vehicle.
- If you have rented a vehicle where the host is not utilizing a Turo protection plan and has chosen to provide its own commercial rental insurance directly to you, please consult the listings and/or inquire with the host to understand the coverage limits, exclusions, and applicable costs, if any. You may view more information about host-provided insurance here.
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.