This article only applies to guests in the United States. For trips in Canada, click here. For trips in Germany, click here. For trips in the UK, click here. For details about insurance for cars outside of the US, Canada, Germany, and the UK, please see the end of this article titled “Commercial Hosts.”
Turo does not require you to have your own personal insurance coverage in order to book a car on our platform. If you have insurance, liability insurance offered via Turo’s insurance partner(s) will supplement your existing coverage. Some hosts on Turo have opted to decline a Turo protection plan where they are able to offer commercial rental insurance directly to guests. Guests who book those vehicles are subject to the host’s commercial insurance policy instead and waive Turo’s protection.
Where you receive a protection plan via Turo in the US, the liability policy offered to you generally does NOT cover medical expenses (“PIP”, in insurance industry-speak) and “Uninsured” or “Underinsured Motorist” (“UM/UIM”) -- in most cases these coverages are rejected or are applicable only to the minimum amount required in the state where the car is registered. (In some states, that amount is zero.) If you have questions about additional coverage, you should consult your insurance professional.
As described in this FAQ, for protection against damage to the booked vehicle you may choose from many coverage options. Turo offers one plan with primary physical damage protection, so you have no out-of-pocket exposure. We also offer two plans with supplemental physical damage protection, so that after your personal insurance coverage is exhausted, your out-of-pocket exposure can be limited to, depending on the option selected, either $500 or $3000. You can choose to decline all physical damage protection and rely solely on your own applicable personal insurance coverage.
If you decline all physical damage protection, your out-of-pocket exposure will extend to the full value of the vehicle and all related costs, as described in this FAQ. We strongly advise that you should only decline one of our protection plans if you’re confident that your personal insurance will cover you during a Turo trip; it is best to check with your insurance company or policy prior to making your decision.
Credit card companies are highly unlikely to provide any coverage for a Turo trip, and some insurance companies may exclude coverage for car sharing. For more details, click here.
If you are booking a vehicle outside of the United States, certain Canadian provinces, Germany, the UK, or if the host has waived Turo’s protection and is providing their own insurance instead, their requirements for your having insurance may be different. You may be subject to their own, different insurance policies and fees. To learn more about Commercial Hosts, read through this FAQ. You should consult the vehicle’s listing and host for information on insurance coverage.