US Owners
We know of no law in any state that says it is illegal to rent out your car. (You cannot rent out your car in the state of New York or deliver your car into New York state, however, while using Turo. An antiquated provision of New York state insurance law doesn’t currently allow for Turo to operate there.) We do not expect your insurer to cover losses arising while the car is rented.* That’s why Turo has purchased a $1,000,000 liability policy and also provides protection for physical damage.
Your insurer’s response to carsharing will depend on their specific policies and the laws of the state in which your car is registered. If your insurer is concerned about your participation in our marketplace, we believe you should be able to withdraw from Turo and retain your coverage. If you receive any indication that your insurance is in jeopardy, we would like to know about it so we can address it with the insurer and potentially with your state’s insurance regulator.
It is important to note that Turo has worked closely with insurance industry members throughout our development, and have strived to design a policy to cover the rental exposure and leave no gap in your coverage. Most owners will have more liability insurance protection while their car is being used by a Turo member than when they are driving it themselves.
You should check the terms of any lease or financing agreements for your vehicles to ensure they don’t prohibit your participation in carsharing. Further, many states have laws preventing subleasing. While Turo does not believe carsharing would violate unlawful subleasing laws, there is no guarantee that all law enforcement would agree.
*Please note: if you are a rental car company who opts to decline a Turo protection package and instead insure your vehicle and your customers with your own commercial rental liability insurance, you will not be covered under Turo’s liability, comprehensive, or collision insurance, in which case your commercial insurance will likely be affected if a traveler gets into an accident. We recommend that you speak with your insurance agent prior to declining Turo insurance. For more information on owner-provided insurance, click here.
Canadian Owners
In Canada, only certain auto insurers allow their policyholders to rent their cars out to other travelers. Additionally, you may only utilize our person-to-person marketplace and Turo’s protection if you are located in the provinces of Alberta, Ontario, or Quebec. For owners located in all other Canadian provinces, see the end of this section.
As of today, the following insurers have agreed to let their policyholders list their cars and rent them out on Turo: Intact Insurance, belairdirect, Novex, Jevco, La Capitale General Insurance, L'Unique General Insurance, SSQ General Insurance Company, Industrial Alliance Auto and Home Insurance, Desjardins General Insurance Inc (only in Quebec), and The Personal General Insurnace Inc (only in Quebec).
Even if your insurer is listed above, it is important that you let your insurer or broker know that you're participating in Turo as a car owner. Letting your insurer know that your car is listed on Turo will not affect your personal premiums in any way. Please refer to the information below for more information about your specific insurer.
Intact Insurance, Novex Insurance, Jevco: Personal automobile insurance customers with Intact Insurance, Novex and Jevco have permission to list their vehicles with Turo, as long as they notify their insurance broker. More information here.
belairdirect: Policyholders from belairdirect are allowed to list their vehicles and rent them out on Turo. All they need to do is notify belairdirect by calling 1-844-308-8237. More information here.
La Capitale General Insurance: Policyholders from La Capitale are allowed to list their vehicles on Turo as long as they notify them. The agent will add an endorsement to the owner's personal policy authorizing the use of Turo by the car owner, at no additional cost for the owner. More information here.
L’Unique General Insurance: Policyholders from L'Unique are allowed to list their vehicles on Turo as long as they notify their broker. The broker will add an endorsement to the owner's personal policy authorizing the use of Turo by the car owner, at no additional cost for the owner.
SSQ General Insurance: Policyholders from SSQauto are allowed to list their vehicles on Turo as long as they notify them. The agent will add an endorsement to the owner's personal policy authorizing the use of Turo by the car owner, at no additional cost for the owner. More information here.
Industrial Alliance Auto and Home Insurance: Industrial Alliance Auto and Home Insurance Inc. (“IAAH”) is allowing its policyholders* to list and rent out their vehicle on Turo, as long as they first notify IAAH at 1-800-463-4382. More information here.
Desjardins Insurance: Desjardins Insurance allows its policyholders to list their vehicles on the Turo car sharing platform, provided that they first notify their insurer. More information here.
The Personal: The Personal allows its policyholders to list their vehicles on the Turo car sharing platform, provided that they first notify their insurer.
State Farm®: State Farm allows its policyholders to list their vehicles on the Turo car sharing platform, provided that they notify their insurance agent. More information here.
If your insurer is not listed above, it means that they have not yet approved policyholders to rent out their cars in the Turo marketplace. But don’t worry, we are working with insurers across the country to have them change their rules so that all car owners can soon list their cars and rent them out on Turo. We are adding insurers on a regular basis, so please don't hesitate to check in regularly.
If you are located in a province other than Quebec, Ontario, or Alberta, you are able to participate in Turo by utilizing your own commercial rental insurance. If you are a rental car company who opts to decline a Turo protection package and instead insure your vehicle and your customers with your own commercial rental liability insurance, you will not be covered under Turo’s liability, comprehensive, or collision insurance, in which case your commercial insurance will likely be affected if a traveler gets into an accident. We recommend that you speak with your insurance agent prior to declining Turo insurance. For more information on owner-provided insurance, click here.
*Except for policyholders who have a telematics device (Mobiliz program)
State Farm branded policies are underwritten by Certas Home and Auto Insurance Company.
® State Farm and related trademarks and logos are registered trademarks owned by State Farm Mutual Automobile Insurance Company, used under license by Certas Home and Auto Insurance Company.
Owners in other countries
Commercial rental car companies in other countries can use Turo by providing their own commercial rental car liability insurance directly to travelers. Owners who are already using their own commercial rental car liability insurance should provide their travelers no less than the applicable minimum insurance (liability and/or physical damage) required in whatever country they are operating.