How it works
Vehicle protection for hosts
Legal liability protection is provided by Turo Travels Mutual. Terms, conditions, and exclusions apply.
All host protection plans in Australia come standard with $20,000,000* in legal liability protection from Turo Travels Mutual, as well as varying levels of protection for physical damage and theft — the level of protection varies with the plan you choose. For vehicle damage protection, hosts are responsible for the deductible amount, which varies by plan, and then Turo Travels Mutual would reimburse the rest of the eligible repairs up to the actual cash value of the car, or $200,000, whichever is the lesser amount.**
With each plan, you’ll earn a percentage of the total trip price, and be responsible for different deductibles. When choosing a protection plan, remember that the higher the percentage of the trip price you earn, the higher the deductible and the fewer reimbursements that are available to you.
Turo host protection plan options
65 plan
Splurge on top-tier protection with the full suite of extra benefits
Earn 65% of the trip price
$20,000,000 in legal liability protection for third party property damage*
Turo pays 100% of eligible damage costs**
No deductible**
Includes exterior wear and tear reimbursement when the Protected Vehicle is less than two years old with less than 40,000km travelled, or is classified by Turo as Deluxe or Super Deluxe.
Includes loss of hosting income during repair OR $50/day replacement vehicle reimbursement (10 day max)***
75 plan
Spring for solid coverage with a minimal deductible
Earn 75% of the trip price
$20,000,000 in legal liability protection for third party property damage*
Turo pays 100% of eligible damage costs above the deductible**
$500 deductible**
$30/day replacement vehicle reimbursement during repair (10 day max)***
Doesn’t include exterior wear and tear reimbursement
Doesn’t include loss of hosting income during repair
90 plan
Cash in on the highest risk, highest reward plan
Earn 90% of the trip price
$20,000,000 in legal liability protection for third party property damage*
Turo pays 100% of eligible damage costs above the deductible**
$1,200 deductible**
No replacement vehicle reimbursement during repair
Doesn’t include exterior wear and tear reimbursement
Doesn’t include loss of hosting income during repair
If you change your mind, you can choose a new plan at any time — but keep in mind that any change you make will only apply to future trips, not currently booked trips.
Frequently asked questions
Why don’t I get to keep 100% of the trip price?
The percentage of the trip price that Turo retains helps Turo run smoothly and covers:
- The costs Turo incurs for assuming the protection for potential damage to your vehicle during a trip.
- Other expenses, including operational costs to run the platform, as well as marketing and advertising costs to help drive demand and promote hosts’ cars.
Do I need my own vehicle insurance?
Your CTP coverage will remain in effect. You must update the coverage by letting your CTP carrier know you are hosting your car with Turo. We do not expect your personal comprehensive or collision insurance to apply, and the protection provided by Turo Travels Mutual will act as primary coverage during a trip, should damage occur.
For hosts who chose a vehicle protection plan offered on Turo, it includes legal liability protection of $20,000,000.*
What happens if my vehicle gets into an accident?
In the rare case that your vehicle is involved in an accident, your guest should report it immediately. If you notice damage at the end of the trip, please report it immediately at https://turo.com/resolutions.
To ensure eligibility for reimbursement under a protection plan, hosts must:
- Report damage within 24 hours of the end of the trip. A Turo associate will then reach out and guide you through the process.
- Take clear photos to document the vehicle condition at the start and end of each trip. Use the in-app check-in and checkout features to take and upload the photos.
If you have additional questions, please talk to your insurance professional.
Review the FAQ for a deeper dive into all the host protection plans.
Deductible
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. For reimbursements, hosts are responsible for the deductible amount first, which varies by plan, and then Turo would reimburse the rest, subject to terms and exclusions, up to the lesser of the cost of repairs up to the actual cash value of the car, or $200,000. Remember, Turo is not an insurance company and vehicle protection is not insurance.**
For instance, if your guest has a fender bender while driving your car and the eligible damage costs to your car is $750, and you chose the 75 plan, you’d be responsible for the first $500 of damages, and Turo would pick up the remaining $250. If the damage cost to your car is $100, you’d be responsible for the entire damage bill unless you resolve the claim directly with your guest.
Exterior wear and tear
Wear and tear is damage occurring from the normal use of your vehicle. Only the 65 plan includes exterior wear and tear reimbursement, and the Protected Vehicle must be less than two years old with less than 40,000km travelled, or be classified by Turo as Deluxe or Super Deluxe. We may protect the reasonable cost of Exterior Wear and Tear to the Protected Vehicle that occurs during the Protection Period.
Wear and tear damage includes dings, dents, cracks, or scratches to the exterior body of the vehicle that are seven and half centimetres in diameter or less. None of the plans include reimbursement for interior wear and tear. If you have additional questions, please talk to your insurance professional.
Hosting income
This is the amount you receive from Turo relating to trips involving a protected vehicle, after the costs of your protection plan (including the Turo platform fee) and the Turo take of any Extras offered are deducted.
For instance, if you chose the 75 plan and the daily vehicle price is $100, then you would pocket $75 of each day. The remaining $25 would cover the costs Turo incurs for taking on protection for any potential damage to your vehicle and other expenses, including the operational costs to run the platform, as well as marketing and advertising costs to drive demand (see “Contribution” below.)
Legal liability protection
Legal liability protection protects hosts from legal exposure for claims of property damage or harm to a third party (meaning something or someone else) that may occur during a guest’s trip with your car.
For instance, if a guest hits a parked car when driving your car, you would be covered for any compensation to the owner of the parked car.
Loss of hosting income
Loss of hosting income is payment for the possible earnings that you might have lost due to reimbursable damage to your vehicle. Only the 65 plan covers loss of hosting income. To calculate the loss of hosting income, we average your daily earnings for the damaged vehicle over the 60 days prior to the trip and multiply it by the reasonable number of days your car needs for repairs, up to 30 days. If the damaged vehicle doesn’t have any earnings to date, a flat $25 will be paid as loss of hosting income. Hosts on the 65 plan can elect to receive reimbursement for either loss of hosting income or replacement vehicle, not both.
Vehicle damage protection
Host protection plans also address protection for theft, loss of, or damage to your vehicle during a trip, and is subject to terms and exclusions. Learn more by reviewing the Host Product Disclosure Statement.
Reimbursment for replacement vehicle
Included in the 65 and 75 plans only, reimbursement for replacement vehicles reimburses hosts for costs incurred by booking alternate transportation while their car is in the shop due to damage that occurred during a guest’s trip with their car. On the 65 plan, for instance, hosts could get reimbursed up to $50 per day for up to 10 days to compensate them for the inconvenience of being without their primary vehicle (see the “Turo host protection plan options” section at the top of this page for plan overviews). If you choose to get reimbursed for a replacement vehicle, you won’t be eligible to receive loss of hosting income in the 65 plan.
Contribution
Contribution or sometimes referred to as the “Turo take” is the percentage of the trip price that Turo retains to cover the costs Turo incurs for taking on the vehicle protection, legal liability protection, and other expenses, including the operational costs to run the platform, as well as marketing and advertising costs to drive demand.
* Legal liability protection is provided by Turo Travels Mutual. Terms, conditions, and exclusions apply.
** Turo is not an insurance company, and contractual reimbursement for physical damage to your vehicle is not insurance. Turo will reimburse hosts for eligible physical damage costs above the excess amount, subject to terms and exclusions, for the lesser of the cost of repair up to the actual cash value of the vehicle or $200,000.
*** If a host elects to receive loss of hosting income on the 65 plan, they won’t be eligible for any replacement vehicle reimbursement, and vice versa — if a host elects to receive replacement vehicle reimbursement, they won’t be eligible to receive loss of hosting income.