Damage claims | UK

Fast Facts:

  • This article applies only to  trips in the UK for which hosts have chosen a protection plan through Turo. Commercial Hosts must process their own damage claims through their insurance provider.
  • Learn the process for damage claims in the US and Canada. 
  • To start the damage claim process, hosts must report damage within 24 hours after the trip ends via our Claims Resolution Center. 
  • Many claims can be resolved within a few days, but depending upon circumstances and damages, some will take longer.
  • Hosts who submit invalid claims will be subject to fines.

Step 1: Damage reported

Hosts must report damage less than 24 hours after the trip ends to start the claims process. After the process begins, they have two options:

  1. Have Turo manage the claims process
  2. Resolve independently directly with their guest 

Turo-managed claim

We’ll charge guests a damage deposit of £500, refundable if the claim is ineligible.

Damage deposit

We’ll charge guests a damage deposit of £500, partially refundable if the claim is ineligible. We may retain a maximum of £250 for claims processing and appraisal fees.

Resolve independently claim 

Turo won’t investigate the claim’s eligibility.

If a host wants to work it out but the guest wants Turo to handle the case, we will. The guest must reply to the damage notification email within 20 days to ask Turo to intervene. We’ll waive this 20 day requirement if the host is actively working with the guest’s insurance company. 

Step 2: Eligibility determined

Turo-managed claim

We’ll take 1–3 business days to determine if the claim is eligible for coverage.

We’ll check if the damage:

Once we determine a claim is eligible, the host can either:

  • drop the claim
  • continue the process through Turo's claims administrator, which typically takes 5 business days

If the claim is ineligible, we’ll refund the guest’s damage deposit.

Resolve independently claim

Hosts and guests who chose to work it out can change their mind and ask Turo to handle the claim. They must contact us with their request within 20 days from the trip’s scheduled end date. After 20 days, Turo won’t take ownership of a claim. If the host takes payment from the guest, Turo won’t take over the claim.

If we charged the guest a security deposit, we’ll refund it 80 hours after the scheduled trip end. The guest’s bank will take another 3–5 business days to process the refund.

Step 3: Damage appraised 

Damage costs will be appraised by Turo or a verified partner. Our insurer has the right to determine eligibility on all damage claims. Either Turo or our insurer will tell the host the best way to get an appraisal and guide them through the repair process.

We offer transportation options for hosts while their vehicle is being repaired. They should request these through their Turo claims specialist.

Step 4:  Repairs and financial obligations completed 

Turo will send the guest a detailed breakdown of damage costs and charge their payment card on file. Ultimate assessed costs can be up to the full value of the car, plus related claims costs and administrative fees. Related costs and administrative fees include processing fees up to £150 and appraisal fees of up to £100. Either Turo or its insurer will issue host payment for the repairs.  

If you have questions, email us at ukclaims@turo.com or reach out via support.turo.com. We’ll typically respond within 2 business days.

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