In the United States, Canada, and Germany, Turo offers the option for you to select a protection package or to provide your own commercial rental insurance.
To learn more about how Turo operates in specific provinces of Canada, please see this article.
In all other countries where Turo is available and in the other Canadian provinces, hosts must provide their own commercial rental car liability insurance directly to their guests. You may view the countries where Turo is available here.
Commercial rental car companies in the United States, Canada and Germany can opt out of liability insurance and physical damage protection from our insurance partners (including Liberty Mutual in the US, Intact Financial Services in Canada, and Allianz in Germany) and instead provide their own liability insurance directly to guests. This option is only available to those companies who have obtained commercial rental insurance. Most commercial policies would likely exclude rentals, so this option will virtually always be available only to rental car companies who use the Turo marketplace. Hosts who choose to use their own commercial liability insurance will keep 90% of the trip price; however, the amount of coverage and support that Turo will provide will be significantly limited. It is also important to note that if you opt to provide your own rental insurance on any vehicle associated with your account, all of your vehicles will automatically be opted into owner-provided insurance and covered exclusively by your own insurance. We strongly encourage every host who considers foregoing a Turo protection package to read this article carefully.
The following is a detailed explanation of the ways in which our support and policies will affect hosts who choose to forego a protection package via Turo and provide their own rental insurance.
You must file liability and damage claims through your own insurance and communicate directly with your guests on claims. Turo will provide neither coverage for, nor assistance with, damage-related claims.
Accidents, breakdowns, tows, and impounds
If your car is involved in an accident or breaks down, you must use your own roadside service and have the car towed and repaired yourself. In the United States, Germany, and Alberta, Ontario, and Quebec, Canada, if you don’t have roadside assistance, you can request to use Turo’s roadside service for an additional fee of no less than $115.00. Turo’s roadside is not available outside of the United States, Germany, and select provinces of Canada.
Late returns and late fees
If your car is returned late, you are able to enforce your own late return policies and fees. These must be disclosed in your public vehicle listing. We do still encourage you to report to us when a guest is significantly late with your car so that we can take the proper account action such as a suspending them from our service, if appropriate.
In the unfortunate and rare case that your vehicle is missing or stolen during a Turo booking, we will not be able to assist you with the investigation or recovery of your vehicle. You should contact your insurance and your local police department. Again, please do alert Turo that your vehicle is missing or stolen so we can take the appropriate action to remove the guest from our marketplace.
Any additional fees, penalties, or costs, including but not limited to, insurance, protection packages, CDW, mileage overages, smoking or cleaning, delivery, young driver, late/early returns, deposits (amount and type), and fuel fees must be reasonable and disclosed to potential guests in advance on the vehicle listing page. You may also defer to Turo’s rates if you would prefer to use our Reimbursement tool. However, Turo will not provide phone or email support to help you recoup reimbursements. You must disclose in your listing what additional fees you charge, or policies or requirements you impose, if any. Examples might include imposition of security deposits, refusal to accept debit cards, or additional paperwork that must be signed at pickup.
Any additional drivers that your guest wants to add to their reservation must be approved by you and covered by your insurance policy. Additional drivers cannot be added via the Turo platform. Please advise your guests how they can add additional drivers to their reservation.
Turo will not discuss your account with anyone other than the primary account holder. We will not discuss your account with any of your employees.
Quality/safety issues/maintenance issues
If it is brought to our attention that your vehicle is unsafe in any way, we will follow our normal procedure of restricting your vehicle and requesting a diagnostic report prior to allowing your vehicle to be booked through Turo again.
You must inform us if you want to provide your guest with a different vehicle than the one listed on the reservation, per our policy.
If you choose to provide your own insurance, you will be responsible for enforcing your own policies, fees, and fines. All additional fees and policies must be disclosed to the guest in advance in your public vehicle’s listing.