Insurance and protection plan summary | UK – Turo Support

Fast Facts:

The protections described here are available only to UK hosts and guests who choose a Turo protection plan and comply with our Terms of Service.
You can read a simple description of insurance coverage in the US, Canada, and Germany .
Read the complete details of UK host protection plans and UK guest protection plans.
Consult an insurance professional if you need help choosing among these options. Or contact us at support.turo.com, and we’ll direct you to our insurance broker.

Overview

Insurance can be complicated, so we’ll try to make it simple. Turo isn’t an insurance company. We make protection plans available to hosts and guests in the UK through Allianz Insurance Plc, via its broker Aon UK Ltd. Aon UK Ltd is authorised and regulated by the Financial Conduct Authority.

You’re eligible for the protections outlined below as long as:

You’re a host or guest in the UK
You’ve chosen a Turo protection plan
- That means protections don’t apply to Commercial Host or guests who book with these hosts.
You comply with our Terms of Service
- For hosts other than Turo Go hosts this includes:
  - taking pre-trip photos
- checking that guests have a valid license that matches the name on the booking.

Host

Turo offers UK peer-to-peer hosts the Standard protection plan. Hosts who decline Turo protection and offer their own commercial liability insurance to guests are Commercial Hosts. For more information you can read a detailed explanation of host protection in the UK. Below is a summary of coverage for all hosts in the UK.

		Standard Protection	Commercial Hosts
Protections	£20 million liability	Yes	No
	Physical damage protection for value of the car up to £75,000	Yes	No
	Deductible for physical damage to host’s car	£0	NA
	Reimbursement for replacement vehicle during covered loss	Yes	No
Portion of trip price kept by host		75%	90%

Guest

Your coverage cost and deductible depends on which Turo protection plan you choose. However, none of the protection plans cover mechanical or interior damage. You’re fully financially responsible for any such damage.

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

	Premier	Standard	Minimum
Deductible amount	£0	£750	£2,000
Plan price	80% of trip price*	30% of trip price*	0% of trip price*

*Trip price is calculated by the amount the car costs per day. This does not include any processing fees or fines.

Premier plan

This protection plan costs 65% of the trip price.
Out-of-pocket exposure is limited to payment of a £250 deductible.
You’ll pay an initial charge of £250 when damage is reported. If total costs are less than £250, we’ll refund you the difference.

Standard plan

This protection plan costs 30% of the trip price.
Out-of-pocket exposure is limited to payment of a £700 deductible.
You’ll pay an initial charge of £700 when damage is reported. If total costs are less than £700, we’ll refund you the difference.

Minimum plan

This protection plan costs 0% of the trip price.
Out-of-pocket exposure is limited to payment of a £2,000 deductible.
You’ll pay an initial charge of £2,000 when damage is reported. If total costs are less than £2,000, we’ll refund you the difference.

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.