US Hosts
We know of no law in any state that says it is illegal to share your car. (You cannot share your car in the state of New York or deliver your car into New York state, however, while using Turo for insurance reasons.) We do not expect your insurer to cover losses arising while the car is shared.* 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 exposure during the sharing period and leave no gap in your coverage. Most hosts will have more liability insurance protection while their car is being used by a Turo guest 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 plan 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 guest gets into an accident. We recommend that you speak with your insurance agent prior to declining Turo insurance. For more information on Commercial Hosts, click here.
Canadian Hosts
In Canada, only certain auto insurers allow their policyholders to participate in car sharing and share their cars out to other guests. 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 hosts 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 share them 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 Insurance, The Personal, State Farm®, and CIBC Home and Auto Insurance Program (underwritten by Certas Direct Insurance Company and The Personal).
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 host. 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 share them 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 host's personal policy authorizing the use of Turo by the car host, at no additional cost for the host. 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 host's personal policy authorizing the use of Turo by the car host, at no additional cost for the host.
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 host's personal policy authorizing the use of Turo by the car host, at no additional cost for the host. More information here.
Industrial Alliance Auto and Home Insurance: Industrial Alliance Auto and Home Insurance Inc. (“IAAH”) is allowing its policyholders* to list and share 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.
CIBC Home and Auto Insurance Program (underwritten by Certas Direct Insurance Company and The Personal): Clients with a personal automobile insurance policy through the CIBC Home and Auto Insurance Program residing in Ontario, Alberta, or Quebec are permitted to list their vehicle(s) on the Turo car sharing platform, provided they notify the insurer at 1-855- 964-2082.
The Co-operators: Co-operators General Insurance Company, COSECO Insurance Company and CUMIS General Insurance Company allows its clients to list their vehicles on the Turo car sharing platform, provided that they first notify their insurer.
Allstate Insurance Company of Canada: Policyholders from Allstate Insurance Company of Canada who live in Quebec are allowed to list and share their vehicle on Turo car sharing platform, provided they notify their agent. The agent will add an endorsement to the host’s personal policy authorizing the use of Turo by the car host. Certain conditions apply.
If your insurer is not listed above, it means that they have not yet approved policyholders to share their cars on 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 hosts can soon list their cars and share them 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 plan 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 be affected if a guest gets into an accident. We recommend that you speak with your insurance agent prior to declining Turo insurance. For more information on Commercial Hosts, 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.
German Hosts
We know of no law that says it is illegal to share your car. Your insurer’s response to carsharing will depend on their specific policies. 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 help you address it with the insurer.
We do not expect your insurer to cover losses arising while the car is shared.* That’s why Turo has partnered with Allianz to provides full comprehensive protection and a €100 mil liability policy. Since Allianz provides full comprehensive coverage for each Turo trip, you do not need to inform your existing car insurer; your premiums will not be impacted.
You should check the terms of any lease or financing agreements for your vehicles to ensure they don’t prohibit your participation in carsharing. In addition, please make sure that sharing your vehicle on Turo will not cause your vehicle to exceed the annual kilometre limit set by your insurer.
*Please note: if you are a rental car company who opts to decline a Turo protection plan and instead insure your vehicle and your customers with your own commercial rental liability insurance, you will not be covered under the liability, full comprehensive, or roadside insurance offered by Turo’s insurance partner, in which case your commercial insurance will likely be affected if a guest gets into an accident. We recommend that you speak with your insurance agent prior to declining Turo insurance. For more information on Commercial Hosts, click here.
UK Hosts
We know of no law that says it is illegal to share your car. Your insurer’s response to carsharing will depend on their specific policies. 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 help you address it with the insurer.
We do not expect your insurer to cover losses arising while the car is shared.* That’s why Turo has partnered with Allianz to provide full comprehensive protection and a £20 mil liability policy. Since Allianz provides full comprehensive coverage for each Turo trip, you do not need to inform your existing car insurer; your premiums will not be impacted.
You should check the terms of any lease or financing agreements for your vehicles to ensure they don’t prohibit your participation in carsharing. In addition, please make sure that sharing your vehicle on Turo will not cause your vehicle to exceed the annual kilometre limit set by your insurer.
*Please note: if you are a rental car company who opts to decline a Turo protection plan and instead insure your vehicle and your customers with your own commercial rental liability insurance, you will not be covered under the liability, full comprehensive, or roadside insurance offered by Turo’s insurance partner, in which case your commercial insurance will likely be affected if a guest gets into an accident. We recommend that you speak with your insurance agent prior to declining Turo insurance. For more information on Commercial Hosts, click here.
Hosts in other countries
Commercial rental car companies in other countries can use Turo by providing their own commercial rental car liability insurance directly to guests. These companies and individuals are known as Commercial Hosts. Hosts who are already using their own commercial rental car liability insurance should provide their guests no less than the applicable minimum insurance (liability and/or physical damage) required in whatever country they are operating.