In the United States, Canada, and Germany, hosts on Turo have the option to provide their own commercial rental liability insurance to guests and opt out of a Turo protection package. This option is only available to hosts who have a commercial rental car insurance policy in which they can provide protection directly to their guests. Hosts in all other countries where Turo operates must use their own commercial liability insurance and are not able to utilize a Turo protection plan. Additionally, prices and costs are listed in Canadian dollars (CA$) in Canada, pounds (£) in Britain, euros (€) in Germany and all countries in the eurozone, and US dollars (US$) everywhere else, including locations where Turo is available outside of the United States.
If you choose to take a trip with a vehicle where the host is providing insurance directly, as indicated in the vehicle listing, you can expect to see some differences with our marketplace model. Because you will be receiving liability insurance directly from the host, you will work directly with the host and their insurer in connection with claims, accidents, and towing, should the need arise. Instead of contacting Turo support, in most cases you will contact the host directly. In addition, some hosts may require you to sign additional paperwork and charge additional fees for things like insurance and mileage after the time of booking on Turo.
Please remember that trips where the host provides the insurance are the only circumstances on Turo in which off-Turo transactions (like paying for issues like additional mileage or gasoline fees outside of the Turo system) are permitted.
The following is an explanation of the ways in which our support and policies will change if you choose to take a trip with a vehicle that offers owner-provided insurance.
Insurance, protection & collision damage waiver (CDW):
The host may charge you for protection packages after the time of booking, such as when you pick up the vehicle. These may be charged by the owner separately. The host should disclose in the listing if the insurance and protection is included in the trip price or if it will be charged separately.
If there is damage to the vehicle or you are in an accident, you will communicate directly with the host and their insurer. Turo will not be involved in the claims and adjusting process.
Accidents, breakdowns, tows, and impounds:
If the car is involved in an accident or breaks down, you should contact the host directly for roadside assistance. In the event the host is unreachable or is unable to provide roadside assistance at that time, you may contact Turo to inquire about the availability of roadside assistance. Turo’s roadside is only available in the United States, Canada, and Germany.