How does insurance and physical damage protection work?
Trips with a protection plan
Most guests have the opportunity to select a protection plan when booking their trips on Turo (unless booking a trip with a Commercial Host). You can read a summary of our UK guest protection plans. You can also get complete coverage information about the plans available to our guests in the UK.
Trips with a Commercial Host
Guests who book a trip with a Commercial Host do not receive a protection plan via Turo. These hosts provide their own commercial liability insurance and possibly other options, like collision damage waivers, to their guests. If you book a trip with a Commercial Host, check their vehicle’s description for insurance information. Contact them with questions about their insurance. Ask them about coverage, cost, accident reporting, roadside assistance, and damage claims processes. Turo does not handle these issues for Commercial Host trips.
What do I do if I’m in an accident or damage the car?
If you’re in an accident and need roadside assistance in the UK, call FMG roadside at 0344 243 8660. Read complete information about roadside assistance we provide to guests in the UK.
UK guests who are involved in an accident or need to report damage to their host’s vehicle should use the online Claims resolution center. You’ll be prompted to give a full description of the incident. You’ll also be asked to upload photos of the damage. If you’re involved in an accident with another car, get:
- the driver’s contact information
- the driver’s insurance information
- a police report, if possible
After we’ve received your report, a claims specialist will pass the claim on to Allianz. The specific resolution to your damage claim will depend on the facts of your case and the documentation you and your host provide. Learn what to expect once you file a claim by reading about the damage claim process in the UK.
What are my financial obligations?
Your financial obligations depend on your claim’s resolution and your protection plan. In cases where only the host’s car is involved, you’re responsible for the vehicle, with two exceptions:
- The damage is non-covered wear and tear, and
- The damage is pre-existing damage that you reported and documented before the start of your trip.
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 of up to £150 and appraisal fees of up to £100. These fees may vary, depending on how the claim is estimated.
UK guests pay only the following initial assessments at the start of the claims process:
- Premier plan: £0
- Standard plan: up to £750
- Minimum: up to £2,000
If you paid a security deposit for your trip, we’ll subtract the initial damage coverage cost from that deposit. If the deposit doesn’t fully cover the cost, we’ll charge your trip payment card for the balance, or we may choose to send you an invoice. No matter what plan you’ve chosen, you’re ultimately responsible for eligible damage to the Turo car during your trip. The amount you pay is limited by the out-of-pocket costs limitation in your protection plan.