Will my insurance be affected if my guest has an accident?
If a guest gets into an accident while on a trip in your vehicle, we believe your insurance would not be affected as long as you’ve chosen a protection plan made available via Turo. With a plan in place, the liability protection provided hosts and guests would go into effect. That should leave your personal policy untouched. Your policy likely has a specific exclusion for coverage when you share your car. That’s why Turo has purchased this liability insurance policy that covers you. In addition, we offer protection plans that will reimburse you in the event there is physical damage to your car during a trip. Read more about legal and insurance considerations for car sharing.
Additional considerations | US
In some states, certain coverages may stay with the vehicle, even during the reservation period. In states where the UIM/UM, PIP, and liability coverages “follow the vehicle,” your insurance could be implicated if a guest has an accident in your vehicle. Turo, through its third-party liability insurer, provides the statutory minimum UIM/UM coverage in all states, which may sometimes be zero.
Additional considerations | Canada
Depending on your insurer, your policy might prohibit you from sharing your car. If that’s true for you, your personal policy could be impacted if you participate in our marketplace and any accidents result from that participation. See a list of Canadian insurers that allow their policyholders to participate in Turo.
If you’re a host in Ontario, Quebec, Alberta, or Nova Scotia, you can learn more about the insurance policy provided by Intact Financial Corporation. If you're a host in British Columbia, you can read details of the coverage provided by Insurance Corporation of British Columbia (ICBC) in this host protection plan article.
Commercial Hosts
You may be a rental car company that prefers to decline a protection plan made available via Turo. Or you may be located outside of the US, Canada, or the UK. If so, you can use Turo as a Commercial Host, that is, a host who provides their own commercial rental insurance directly to guests. Your commercial insurance will likely be affected if a guest gets into an accident. We advise you to speak with your insurance agent prior to declining Turo insurance.