Do I need my own insurance?
Guests who book a trip with a protection plan do not need personal insurance coverage. If you do have insurance, our liability insurance provider* will supplement your personal coverage. Depending on the protection plan you select, liability coverage is up to $1 million in the US. It’s up to $2 million in Canada, up to €100 million in Germany, and up to £20 million in the UK.
If you book a trip in the US, certain Canadian provinces, Germany, and the UK, you can choose a protection plan on Turo (unless you’re booking with a Commercial Host). You can also choose to decline a protection plan. If you do decline, you’ll be relying solely on your own applicable personal insurance coverage to cover loss or damage to the host’s vehicle. If you do, your out-of-pocket exposure will extend to the full value of the vehicle and all related costs.
Unless you’re confident that your personal insurance will cover you, we strongly advise that you select a protection plan when booking your trip. Some insurance companies exclude coverage for peer -o-peer car sharing. And your credit card company will not provide coverage for a Turo trip. It’s best to check with your insurer or your broker before making your decision.
Guest protection plans
Below are links to quick summaries of our guest protection plans and to more-detailed plan information:
- US: summary and detailed overview
- Canada: summary and detailed overview
- Germany: summary and detailed overview
- UK: summary and detailed overview
Some hosts on Turo are Commercial Hosts. These hosts offer their own commercial rental insurance directly to guests. You may or may not need to have personal insurance to book with these hosts. You’ll know if you’re booking a trip with a Commercial Host because their vehicle description page will include a notice. It’s read, “This vehicle belongs to a Commercial Host, an independent car rental company.” You’ll also see the host’s name listed as the insurance provider for the trip.
*Liability insurance covers third party bodily injury and third party property damage resulting from an accident for which you’re liable. Liability coverage will not pay for loss or damage to the vehicle you book on Turo or your own injury or medical expenses.