Vehicles outside of the United States, Germany, and select provinces in Canada do not receive coverage from Turo’s protection plans. In addition, hosts or guests do not receive any protection via Turo where the owner has declined a protection package and has opted to provide their own commercial rental insurance directly to guests.
Normal “wear and tear” that is part of the normal operation of a vehicle is an inherent part of sharing or using a car; the owner is never “protected” against normal interior wear and tear. Only owners who have opted into the Premium owner protection plan are protected against normal exterior wear and tear.* Definitions of "wear and tear" and "mechanical failure" may be found in this article for the US, this article for Canada, and in this article for Germany.
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
- significant damage to the interior of the car, including gouges, tears and punctures; or
- 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).
* Owners in Canada and Germany do not have the option of Premium protection plans and are therefore never protected against normal exterior wear and tear.
** Owner-provided insurance trips 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 owner has declined a Turo protection plan and is providing commercial rental insurance directly to the guest.