In the United States and Alberta, Ontario, and Quebec, Canada, owners on Turo have the option to provide their own commercial rental liability insurance to travelers and opt out of a Turo protection package. This option is only available to owners who have a commercial rental car insurance policy in which they can provide protection directly to their customers. Owners in all other countries where Turo operates must use their own commercial liability insurance and are not able to utilize a Turo protection plan.
If you choose to take a trip with a vehicle where the owner 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 owner, you will work directly with the owner 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 owner directly. In addition, some owners 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 owner 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 owner 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 owner should disclose in the listing if the insurance and protection is included in the trip price or if it will be charged separately.
Damage claims:
If there is damage to the vehicle, or you are in an accident, you will communicate directly with the owner 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 owner directly for roadside assistance. In the event the owner 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 and Canada.
Late returns and late fees:
If you return the car late, you are subject to the owner’s late return policies and fees, as outlined on their public vehicle listing.
Additional fees and policies:
Any additional fees, including, but not limited to, insurance/protection packages, mileage overages, smoking, cleaning, young driver, and fuel are at the owner’s discretion. The owner may require a deposit or impose other policies that are different from Turo’s standard policies, such as requiring a credit card or additional paperwork before or at the trip start time.
Secondary drivers:
Any additional drivers that you want to add to your reservation must be approved directly by the owner. You cannot add additional drivers through the Turo platform when you book a vehicle with owner-provided insurance.
It will be disclosed when you book a vehicle whether the insurance is owner-provided or provided via Turo. Once you book, the owner should provide you with everything else you need to know.