Insurance and protection plan summary | UK

Separation of host and guest coverage

The information below outlines the host and guest protection plans available in the UK through Turo. It’s important to choose the plan you feel is best for you without regard to any plan your host or guest may choose. Host and guest plans are in no way related. Host plans provide the host with contractual reimbursement options for physical damage to the car. Guest plans provide guests the opportunity to limit the amount they pay out of their own pocket for damage costs.  

UK host plan overview

• If you chose the Standard plan (available before September 1, 2020) or you choose the 65 plan or 75 plan (available as of September 1, 2020), your plan includes third-party liability insurance coverage up to £20,000,000 for the Reservation Period.
• Third-party liability insurance is offered by Allianz Insurance Plc, via Turo broker Aon UK Ltd. Both Allianz and Aon are authorised and regulated by the Financial Conduct Authority. 
• Reimbursement for damage to your vehicle up to £10,000 is not covered by a policy of insurance and instead is allocated via the contractual terms in the protection plan selected. Damage to your vehicle over £10,000 is covered by the Allianz policy but managed through Turo and our claims management vendor. 
• Host plans do not include liability coverage or physical damage protection for the vehicle during the Delivery Period. 
• Deductibles and reimbursement eligibility vary.

More detailed information about the Standard plan is available by logging onto Turo and viewing Vehicle Documents on the Details page for a booked trip. You can find complete information about our current host protection plans – the 65 plan and the 75 plan.    

Terms to know

Reservation Period

The 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.   

Delivery Period

The Delivery Period is 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. No third-party liability insurance or physical damage protection is available during the Delivery Period. 

UK Host protection plans

Below is a summary of protection plans for hosts in the UK. You can find complete information about host protection plans in the UK. 

*Hosts must comply with Turo’s Terms of Service to be eligible for a protection plan
**Turo is not an insurance company, and contractual reimbursement for a portion of 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 a portion of eligible physical damage repair costs in excess of the deductible up to £10,000, subject to terms and exclusions, and Allianz would cover the rest for the lesser of the cost of repair up to the actual cash value of the vehicle or £75,000.  
***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.

UK guest plan overview

Guests are responsible for any eligible damage that occurs during the trip. This is not based on fault. The guest protection plans offer guests the opportunity to limit or remove their out-of-pocket costs for any eligible damage that occurs during the trip. A guest’s responsibility and costs under a protection plan are separate and not related in any way to the terms of the host's chosen protection plan. 

Your plan includes third-party liability insurance coverage up to £20,000,000.  Your coverage cost and deductible depends on which protection plan you choose. However, none of the protection plans cover mechanical or interior damage. You’re fully financially responsible for any such damage. 

UK guest protection plans

Below is a summary of protection plans for guests in the UK. You can find complete information about guest protection plans in the UK.   

*Trip price is calculated by the amount the car costs per day. This does not include any processing fees or fines.
**Guests who choose the Premier plan will be charged £250 when damage is reported. If total costs are less than £250, we’ll refund the difference. Guests who choose the Standard plan will be charged £750 when damage is reported. If total costs are less than £750, we’ll refund the difference. Guests who choose the Minimum plan will be charged £2,000 when damage is reported. If total costs are less than £2,000, we’ll refund the difference. Turo is not an insurance company, and the contractual allocation of responsibility for physical damage to the host’s vehicle is not insurance. Your responsibility for physical damage to the car is up to the Actual Cash Value of the car but can be covered by all other available insurance to you and, if you have no other forms of available insurance, will be capped by your out-of-pocket maximum noted above, if any. 

Commercial Host trips

You may book a trip with a Commercial Host. These hosts provide their own rental liability insurance to guests. Check their vehicle listing or contact them directly for information about coverage limits, exclusions, and costs.