How do protection plans work?
Protection plans are available to guests who book trips with peer-to-peer hosts. When you choose a protection plan for your trip, it’ll include three key elements.
- Third-party liability insurance. Insurance is provided by Aioi Nissay Dowa Insurance UK Ltd via Turo broker Aon UK Limited. This insurance provides coverage for damage to another person or their property.
- A physical damage contract. This contract limits your out-of-pocket costs for damage caused to the host’s vehicle during the trip.
- Eligibility for roadside assistance through Turo, although additional costs may apply.
If you book your trip with a Commercial Host, you won’t be given the opportunity to get a protection plan on Turo. Instead, a Commercial Host will offer you their own commercial or rental liability policy. They may also offer you a collision damage waiver or roadside assistance. Check their vehicle’s description to see what insurance or physical damage is included and what you must purchase separately. Message your host with questions. You’ll work with a Commercial Host — not Turo — to arrange roadside service, if they offer it, and to manage any insurance claims.
Which protection plan should I choose?
Which protection plan you choose is generally up to you. But it’s helpful to keep a few things in mind when making your choice.
- The greater the cost of the protection plan, the less you’re responsible for paying out of pocket if there’s covered vehicle damage on a trip. It’s important to note that if you’re involved in an accident caused by someone else or someone vandalizes or damages the car, we’ll try to recover damage costs from the at-fault party. If we’re unable to do so, you’ll be responsible for the repair cost because the damage happened during the booked trip. Find out the cost of guest protection plans.
- You don’t need to have your own car insurance to book a trip on Turo. You will be required to choose a protection plan when you book a trip with a peer-to-peer host. If you book a trip with a Commercial Host, they’ll provide you with their own commercial or rental liability policy.
- While not impossible, it’s unlikely that your credit card would provide insurance coverage for a car sharing trip. To find out for certain, check with your credit card company.
- The protection plan your host chooses is completely separate from your own. It has no bearing on your financial responsibility or the out-of-pocket costs associated with your plan. That’s because a host’s plan protects their vehicle by providing physical damage reimbursement. Your plan protects for your wallet. It does so by limiting the amount you’ll pay out of pocket if there’s eligible damage to your host’s vehicle on a trip.
- If you fail to comply with Turo’s Terms of Service, we may void your protection plan.
- In some cases, we limit the plans available to you if you’re below a certain age or booking a high-value vehicle.
- The better informed you are, the more comfortable you’ll feel. See a summary and cost of guest protection plans in the UK and read complete plan details.
What are my financial obligations if there’s vehicle damage?
You’re responsible for reimbursable vehicle damage to the host’s car during your trip, up to the out-of-pocket cost limit of your protection plan. You’re not responsible for non-reimbursable wear and tear. Nor are you responsible for pre-existing damage that you reported and documented before the start of your trip. Learn how to protect yourself by taking photos to document a vehicle’s condition.
Instead of involving Turo, you and your host may choose to work together to resolve damage. While your financial obligation for physical damage to your host’s vehicle remains the same (it’s up to your out-of-pocket limit), this option will save you the cost of claims processing and administrative fees. If Turo is involved in claim for physical damage to the host’s vehicle, we’ll charge you an initial deposit. Depending on your plan, the deposit amount will be between £250–£2,000. If you paid a security deposit for your trip, we’ll apply that deposit toward this cost. If the security deposit doesn’t cover the cost, we’ll charge one of the payment cards on your account for the balance, or we’ll send you an invoice.
If you choose a protection plan, you’ll pay up to the maximum out-of-pocket costs allowed by your plan. If you decline a plan, you’ll be responsible for the ultimate assessed costs for physical damage to the host’s vehicle up to its actual cash value plus related administrative fees.