Turo’s protection plans are not offered to vehicles outside of the United States, the Canadian provinces of Alberta, Ontario, and Quebec, Germany, and the United Kingdom. Turo does not provide protection to hosts or guests for vehicles provided by Commercial Hosts, that is, hosts who’ve declined a protection plan and have opted to provide their own commercial rental insurance to guests.
Normal “wear and tear” that results from the normal use of a vehicle is an inherent part of sharing or using a car. The host is never “protected” against normal interior wear and tear. Protection against wear and tear on the outside of the vehicle is only available to hosts covered by our Premium protection plan.* Definitions of "wear and tear" and "mechanical failure" may be found here for the US, here for Canada, here for Germany, and here for the UK.
Guests are not “responsible” for wear and tear or mechanical failure resulting from normal usage of the car.
However, guests are fully responsible for**, and Turo does not provide any protection to guests for:
- any damage related to “misuse” or Prohibited Uses of the vehicle.
- serious damage to the inside of the car, including gouges, tears, and punctures.
- any mechanical damage resulting from a guest’s negligence, intentional acts, or improper driving (e.g, clutch damage from rough driving, suspension damage from running over speed bumps at high speed or into curbs, etc).
* Hosts in Canada, Germany, and the UK do not have the option of Premium protection plans and are therefore never protected against normal exterior wear and tear.
** Trips with Commercial Hosts do not benefit from nor receive coverage from Turo’s protection plans. While Turo does not tolerate any Prohibited Uses on the marketplace, Turo will not directly seek restitution for interior damage or mechanical damage to vehicles where the host has declined a Turo protection plan and is providing commercial rental insurance directly to the guest.