Detailed explanation of host protection plans | US

This article applies only to US Hosts with trips booked on one of five protection plans available as of July 1, 2020 and secured through Turo Insurance Agency, LLC, an Arizona domiciled licensed insurance producer.

Summary of US Host protection plans

There are five Vehicle protection plans for hosts beginning July 1, 2020: 60 plan, 70 plan, 75 plan, 80, plan, and 85 plan. A rental car company that can offer commercial rental liability insurance directly to their Guests and for their Vehicles may choose to decline a protection plan and list their cars as a Commercial Host. Learn more about insurance requirements for Commercial Hosts. 

All five plans provide up to $750,000 in third-party liability insurance offered by Liberty Mutual as well as varying levels of contractual reimbursement from Turo for Physical Damage and theft. The level of available reimbursement varies with the plan you choose. For Hosts to qualify for eligible Physical Damage reimbursement, Turo must have the following documentation: (1) clear photo documentation of the areas the host is seeking reimbursement for taken within 24 hours of the start and end of the trip; or (2) Other evidence (e.g. a police report, 3rd party report) that confirms the damage took place during the Reservation Period.

US Host protection plans

*Hosts must comply with Turo’s Terms of Service in order to be eligible for a protection plan.
**Turo is not an insurance company, and contractual reimbursement for physical damage to your vehicle is not insurance. We use the word deductible to mean the amount you are responsible for in the event of physical damage to your car during a Turo trip before you’re eligible for reimbursement. Turo will reimburse hosts for eligible physical damage costs in excess of the deductible, subject to terms and exclusions, for the lesser of the cost of repair up to the actual cash value of the vehicle or $125,000. 
***Liberty Mutual liability insurance in the US is secured through Turo Insurance Agency. Terms, conditions, and exclusions apply. Liability coverage is up to $750,000 for all host protection plans, except in some states and at some airports that require additional coverage. 
†If Physical Damage results from an “act of nature” (e.g., flood, earthquake, hail, windstorm, etc.), Turo will only be responsible for (and its liability is limited to) the amount equal to the amount (if any) that the Host’s private passenger auto insurer would have had to pay for that damage under the primary insurance policy covering the shared vehicle in effect immediately before the start of the Reservation Period.

Detailed terms and conditions

So long as a Host is in compliance with the Terms of Service and has not chosen to decline a protection plan, the following applies:

Liability insurance

All US Host protection plans include coverage under a third-party automobile liability insurance policy. The policy is secured through Turo Insurance Agency, an Arizona domiciled licensed insurance producer, from Liberty Surplus Lines. Liberty Surplus Lines is an insurance company that’s part of the Liberty Mutual Group (“Liberty Mutual”). Subject to terms, conditions, and exclusions, the Liberty Mutual Policy (“Liberty Policy”) provides Hosts with the following kinds of coverage during the Reservation Period.  

• Bodily injury and property damage to third parties
  • The Liberty Policy insures Hosts against legal exposure for claims of bodily injury or property damage to a third party (meaning someone or something else) that may occur during a Guest’s trip with your vehicle. The policy provides coverage up to a combined single limit of $750,000, except in some states and at some airports that require additional coverage.
• Personal Injury Protection (“PIP”)
  • The Liberty Policy provides the minimum amount of PIP coverage allowed by law in those few states where PIP coverage is required by law and cannot be waived.
  • PIP typically protects Guests and passengers (up to a stated dollar amount) for medical, funeral, and similar expenses. This protection applies regardless of who was at fault. The scope of PIP coverage varies by state. 
  • PIP isn’t required in all states and may be waived in some states. Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Hosts and Guests are bound by Turo’s election. In addition, they agree to be bound by that election under the Terms of Service.
  • The attached file includes specific elections, rejections, and waivers for each state, and is incorporated by reference and made a part of the Terms of Service.
• Uninsured or Underinsured Motorist (“UM/UIM")
  • The Liberty Policy includes the statutory minimum amount of UM/UIM coverage in those few states where UM/UIM coverage is required by law and cannot be waived. 
  • UM/UIM coverage, when available, protects Hosts, Guests, and passengers from losses resulting from bodily injury caused by an uninsured driver, hit and run driver, a driver whose limits of liability have been exhausted, or a driver whose insurer is insolvent while in the shared Vehicle during the Reservation Period. 
  • Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Hosts and guests are bound by Turo’s election. In addition, they agree to be bound by that election pursuant to the Terms of Service.
  • The attached file includes specific elections, rejections, and waivers for each state, and is incorporated by reference and made a part of the Terms of Service.

Note: Many private passenger automobile insurance policies exclude coverage for peer-to-peer car sharing. That means your policy likely doesn’t insure the Vehicle during the Reservation Period (including the delivery). Some policies may, however, still provide coverage. Talk to your insurance company or advisor about the applicability of your own insurance. Turo Insurance Agency does not provide information or advice about the existence or scope of any coverage that might be available under a Host’s policy during the Reservation Period.

Physical Damage reimbursement

The Host protection plans in the US also address the allocation of the financial consequences of Physical Damage to your car during the trip. Physical Damage contractual reimbursement from Turo applies to your Vehicle in the event of a collision and most comprehensive events during the trip, and is subject to terms and exclusions. 

Turo will reimburse Hosts for eligible Physical Damage costs above the Deductible, subject to terms and exclusions, for the lesser of the cost of repair up to the actual cash value of the Vehicle or $125,000. For the Tesla Model X, Tesla Model S, and Tesla Model 3 only, Turo will be responsible for the cost of eligible repairs, above the Deductible, subject to terms and exclusions, for the lesser of the cost of the repair up to the actual cash value of the Vehicle, even if it is more than $125,000. 

If any part of the Physical Damage is not covered by insurance (including, for example, a Guest’s personal insurance or a third party’s insurance), each protection plan reflects the agreement between the host and Turo as to how fairly to allocate responsibility for the financial consequences of that Physical Damage. Turo is NOT an insurance company and does not have or offer insurance for Physical Damage to your Vehicle. 

• Deductible 
  • For Vehicles on the 60 plan, there is no Deductible. 
  • For Vehicles on the 70 plan, there is a maximum $250 Deductible. 
  • For Vehicles on the 75 plan, there is a maximum $750 Deductible.
  • For Vehicles on the 80 plan, there is a maximum $1,625 Deductible. 
  • For Vehicles on the 85 plan, there is a maximum $2,500 Deductible.  
  • We use the word Deductible to mean the amount you are responsible for in the event of physical damage to your car during a Turo trip before you’re eligible for reimbursement.
  • Note that this Deductible applies to all types of physical damage claims including, but not limited to, exterior damage, interior damage, flat tires, damaged tires, glass, and mechanical damage.
• Replacement Vehicle Reimbursement
  • Under the 75, 80, and 85 plans, Turo is not responsible for any Replacement Vehicle Reimbursement.
  • Under the 70 plan, subject to all of the Terms and Conditions, Turo will, at the Host’s election:
    • reimburse the Host for up to $30 per day in documented Replacement Vehicle Reimbursement for a maximum of 10 days. Turo will provide a Vehicle reimbursement of $300 if the Vehicle is considered a total loss.
  • Under the 60 plan, subject to all of the Terms and Conditions, Turo will, at the Host’s election: 
    • reimburse the Host for up to $50 per day in documented Replacement Vehicle Reimbursement for a maximum of 10 days. Turo will provide a Vehicle reimbursement of $500 if the Vehicle is considered a total loss. 
    • Host can elect to receive either Loss of Hosting Income (as detailed below) or Replacement Vehicle Reimbursement, but not both. 
• Exterior Wear and Tear
  • Under the 70, 75, 80, and 85 plans, Turo is not responsible for reimbursing any Exterior Wear and Tear Costs.
  • Under the 60 plan, Turo is responsible for reimbursing Exterior Wear and Tear Costs for confirmed, new Physical Damage that is under 3”. Interior Wear and Tear is not included. 
• Loss of Hosting Income 
  • Under the 70, 75, 80, and 85 plans, Turo is not responsible for reimbursing any Loss of Hosting Income.
  • Under the 60 plan, Turo is responsible for reimbursing the Loss of Hosting Income for the damaged Vehicle’s potential earnings, based on the last 60 days average earnings, up to a maximum of 30 days reimbursement for repairable Vehicles. If a vehicle is deemed to be a total loss, Turo will reimburse for Loss of Hosting Income for the lesser of the time to settlement of the total loss or 30 days. If Host has no earnings history, Turo will issue a standard payment of $25 for Hosts who opt to receive Loss of Hosting Income. Hosts who opt to receive Loss of Hosting Income are not eligible for Replacement Vehicle Reimbursement.   
• Diminished value
  • If your car is damaged (not totaled) and repaired, you’re not protected for any diminution in the value of your car. If your car is eligible for physical damage reimbursement, Turo will pay for the lesser of the cost of repair up to the actual cash value of the vehicle or $125,000. However, there is no reimbursement for any potential reduction in value resulting from damage related to a trip.
• Quality of repairs 
  • There is no guarantee, expressed or implied, for the quality of repairs you obtain.  If a shop repairs the eligible damage and the repairs later turn out to be of low quality, there will be no reimbursement by Turo for repeat repairs.

General Definitions

• Comprehensive: other property damage to the car that isn’t a collision – theft, fire (excluding fires resulting from Mechanical Failure), animal impacts, vandalism, falling objects and acts of nature (windstorm, flood, etc.). In the case of “acts of nature,” or fire comprehensive damage (e.g., flood, earthquake, hail, windstorm, etc.), the Host will receive reimbursement identical to whatever pre-existing comprehensive coverage the Host has in effect on their own personal policy for the car immediately prior to the reservation.
• Deductible: the amount you are responsible for in the event of physical damage to your car during a Turo trip before you’re eligible for reimbursement.
• Delivery Period: the time when the host or designee, who is a Turo-approved driver, is actively delivering the car to the primary guest who has reserved delivery, and ends when the car has been delivered to the primary guest. The period doesn’t include the time when the host or designee is retrieving the car at the end of the trip. There is third-party liability insurance available during the Delivery Period if the guest books delivery in the reservation, but no contractual reimbursement for physical damage to the host’s car during the Delivery Period.
• Deterioration: any fading, discoloration, rust, or wear caused to the interior or exterior of the Vehicle over time. Also includes any deterioration from road use of tires, and mechanical deterioration of belts, suspension, electrical and mechanical components, along with any resulting damage from these events.
• Exterior Wear and Tear: any dings, dents, cracks, or scratches to the exterior body of the Vehicle that is 3 inches in diameter or less. This includes, but is not limited to, rims, wheels, hubcaps, any painted or textured area for the body of the Vehicle, and moldings. Read more about Wear and Tear.  
• Guest: the primary name listed in the reservation. We also use it to refer to any Turo approved additional drivers listed on the reservation. 
• Host: The person(s) or entity that lists a Vehicle on Turo, including but not limited to the Vehicle owner(s) and persons or entities authorized by the Vehicle’s owner(s) to list the Vehicle on Turo.
• Interior Wear and Tear: minor scuffing of interior surfaces that is 3 inches or less in diameter, along with any dials, switches, knobs, that break or fail over time. Cuts and punctures that are clearly due to abuse or misuse by the Guest are not included in this definition.
• Loss of Hosting Income: payment for the possible earnings that a Host might have lost due to reimbursable damage to your Vehicle. 
• Mechanical Failure: any mechanical, electrical, suspension, engine, or transmission damage a vehicle incurs due to age, normal usage/wear and tear, defect, a lack of maintenance, or warranty issue (including, but not limited to manufacturer defect), along with any resulting damage or resulting fire that arises due to those causes, and excluding any mechanical damage caused by the Guest’s negligence or intentional misuse. Clutch damage is handled separately. Read our clutch policy.  
• Necessary Repair Costs:  the reasonable and necessary costs for the parts and the labor required to repair the eligible Physical Damage to the reserved Vehicle that occurred after the Delivery Period and during the Reservation Period, except for the following Excluded Costs:
  • Aftermarket accessories that do not replace original parts. Read complete information on use and reimbursement of aftermarket parts.  
  • If the Reimbursable Cause is an act of nature (e.g., flood, earthquake, hail, windstorm, etc.), any cost that the Host’s private passenger auto insurer would not have been required to pay under the primary insurance policy covering the Vehicle in effect immediately prior to the start of the Reservation Period. 
• Physical Damage: actual tangible damage to the Vehicle that occurs after delivery during the Reservation Period as a result of a Collision or a Reimbursable Cause (Note: The Host is required to demonstrate that any damage to the reserved Vehicle meets the definition of Physical Damage by providing the proof outlined below).
  • Collision means when the Vehicle collides with another vehicle or an object.
  • Reimbursable Cause means theft, fire (excluding fires resulting from Mechanical Failure), animal impacts, vandalism, falling objects and acts of nature (e.g., flood, earthquake, hail, windstorm, etc.).  
  • Excluded Damage: 
    • Damage existing as of the start of the Reservation Period;
    • Interior Wear and Tear;
    • Exterior Wear and Tear for Vehicles on all plans other than the 60 plan
    • Physical Damage existing prior to, or occurring during, the Delivery Period;
    • Deterioration;
    • Mechanical Failures
    • Physical Damage that occurs during or after any period in which the Host is in violation of the Terms of Service;
    • Damage to aftermarket accessories that do not replace original parts; any amount paid for aftermarket accessories or parts is limited to the lessor of the aftermarket part cost or the original part cost. Read complete information on use and reimbursement of aftermarket parts.  
    • Damage to any personal items left in the Vehicle; 
    • Damage to, or resulting from, tires that are defective, have excessive wear & tear or dry rot, have tread depth less than 4/32 inch, were not properly inflated prior to the reservation, or are 6 or more years old.
    • Scrapes, scratches, dings regardless of size, to the underside of bumpers, air deflectors and underbody panels. 
    • Dings, dents, scratches, and creases less than 3” to the inside of truck beds from loading or carrying items.
    • Minor scuffs, scratches, dings, and dents less than 3” to non-painted Jeep Wrangler hard tops and Freedom tops. 
• Replacement Vehicle Reimbursement: reimburses Hosts for costs incurred by booking alternate transportation while the Vehicle is in the shop due to eligible damage that occurred during the Reservation Period while the Vehicle is in the Guest’s custody or control. 
• Reservation Period: begins at the trip start time listed in the reservation and when the Vehicle is in the custody or control of the Guest and ends the earlier of the trip end time or when the Vehicle is returned to either the Host or the location designated in the reservation. This is the period shown for a booked trip. 
• Vehicle: the vehicle booked during the applicable reservation.

Payment/Reimbursement Requirements and Process 

• Proof of Physical Damage:  
  • For Hosts to qualify for Physical Damage eligible reimbursement during the Reservation Period, and for the Guest to be held responsible for the damage, Turo must have the following documentation: 
    • (1) clear photo documentation from the Host of the areas the Host is seeking coverage for taken within 24 hours of the start and end of the trip that demonstrates that the damage occurred during the trip; or
    • (2) other evidence (e.g. a police report, third party report) that demonstrates the damage took place during the trip; or 
    • (3) if all of the following three conditions are true: (a) Guest used Turo Go to lock and unlock the car; and (b) the Host or the Host’s designee was not physically present at the start of the reservation; and (c) the Guest did not take front, back, side, and other applicable photos of the Vehicle at the time of car pick-up. If 3a - 3c are all met, then clear photo documentation of the area the Host is seeking coverage for taken within 24 hours of the end of trip by the Host, along with the Host’s credible representation that the damage took place during the trip, may be sufficient documentation to qualify for Physical Damage protection.
    • Payments and reimbursements are made via ACH or check.*  
• Proof of Necessary Repairs 
  • For Hosts to qualify for reimbursement for the Necessary Repairs for eligible Physical Damage during the Reservation Period, and for the Guest to be held responsible for the damage, Turo must have the following documentation: 
    • (1) clear, dated, photo documentation from the Host of the out-of-pocket expenses paid for the Vehicle’s repair; and 
    • (2) other evidence (e.g. a diagnostic report, vehicle alignment sheet) that demonstrates the damage was repaired and paid for.
    • Payments and reimbursements are made via ACH or check.*  
• Proof of cost for Replacement Vehicle Reimbursement
  • For Hosts to qualify for Replacement Vehicle Reimbursement, Turo must have clear, dated receipts of the purchase.
  • Replacement Vehicle Reimbursement is paid directly to the Host. Loss of Hosting Income is issued via Host earnings. 

The allocation of responsibility between Turo and the Host is not impacted or altered in any manner by any amount that Turo can or does collect from the Primary Guest or from a third party on account of the Physical Damage. The Host’s plan is unrelated to the level of responsibility retained by the Primary Guest under whichever Guest protection plan is chosen by the Primary Guest.  

*If a trace number or bank research is requested, a fee of up to $50 may be charged to the Host.