Personal insurance requirements for guests

Do I need my own insurance?

You don’t need personal insurance coverage if you book a trip with a protection plan made available via Turo. 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 $750,000 in the US. It’s up to $2 million in Canada, and up to £20 million in the UK.  

If you book a trip with a peer-to-peer host in the US, certain Canadian provinces, and the UK, you can choose a protection plan available through Turo. 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. Your out-of-pocket exposure will extend to the full value of the vehicle and all related costs including claims processing fees and appraisal costs. 

If you book a trip with a Commercial Host, they’ll offer you their own commercial rental insurance. A Commercial Host may or may not require you to have personal insurance. Commercial Host listings include the notice, “This vehicle belongs to a Commercial Host, an independent car rental company.” The listing will also display the host’s name as the insurance provider for the trip.

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-to-peer car sharing. And your credit card company may not provide coverage for a Turo trip. It’s best to check with your insurer or your broker before making your decision. Follow these links to more information about guest protection plans: 

*Liability insurance covers third party bodily injury and third party property damage resulting from an accident for which you’re liable. Liability insurance will not pay for loss or damage to the vehicle you book on Turo or your own injury or medical expenses.

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