How it works
Vehicle protection for hosts
All trips come with third-party auto liability insurance provided by ERS (Syndicate 218 at Lloyd’s) managed by IQUW Syndicate Management Limited, arranged via Turo’s broker, Lockton Companies LLP.
Both host protection plans in the United Kingdom come with varying levels of reimbursement from Turo for physical damage and theft* — the level of protection varies with the plan you choose. For physical damage reimbursements, hosts are responsible for the deductible amount, which varies by plan, and then Turo would reimburse the eligible repairs up to the actual cash value of the car, or £100,000, whichever is the lesser amount.**
With both plans, you’ll earn a percentage of the total trip price, and be responsible for the deductible amount, if applicable.
Turo host protection plan options
65 plan
Top-tier protection with the full suite of extra benefits
Earn 65% of the trip price
100% of eligible damage costs are reimbursed **
No deductible **
Includes loss of hosting income during repair (up to £300)
Includes courtesy car***
75 plan
Solid coverage with a minimal deductible
Earn 75% of the trip price
100% of eligible damage costs above the deductible are reimbursed **
£250 deductible **
Doesn’t include loss of hosting income during repair
Doesn’t include courtesy car
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 pending trip requests, booked trips, or in-progress 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 financial responsibility for potential damage to your vehicle during a trip and arranging other protection.
- 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?
Yes, you still need your own insurance for your vehicle to cover the financial responsibility laws.
Because the third-party auto liability insurance only applies to trips booked on Turo, you are still required by law to insure your vehicle when it’s not being shared on Turo.
All trips in the UK are covered by third-party auto liability insurance*. When you share your car on Turo, you are covered for third-party claims for bodily injury, death, or damage to property by the insurance provided by ERS (Syndicate 218 at Lloyd’s) managed by IQUW Syndicate Management Limited, arranged via Turo’s broker, Lockton Companies LLP. In the event of an incident, you wouldn’t need to contact your personal insurance provider, although we recommend you check the terms of your personal insurance policy to confirm it’s OK to share your car on Turo.
What other requirements must I meet?
All cars listed on Turo must be registered, meet our safety and maintenance requirements, and meet the UK-specific requirements.
What happens if my vehicle is in 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 a trip and your guest hasn’t yet reported it, 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 physical damage reimbursements, hosts are responsible for the deductible amount first, which varies by plan, and then Turo will reimburse up to the lesser of the cost of repairs up to the actual cash value of the car, or £100,000.** Remember, physical damage reimbursement 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 £250 of damages, and Turo would pick up the remaining £500. If the damage costs to your car is £100, you’d be responsible for the entire damage bill unless you resolve the claim directly with your guest.
Host take
The “host take” is the percentage of the trip price you earn from each Turo trip with your car, 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, then you would pocket 75% of each trip price. The remaining 25% would help the platform run smoothly, and covers the costs Turo incurs for taking on the financial responsibility for any potential damage to your vehicle, arranging for protection plus other expenses, including the operational costs to run the platform, as well as marketing and advertising costs to drive demand (see “Turo take” below.)
Liability coverage
Third-party auto liability insurance protects you from legal exposure for claims of death, bodily injury or property damage 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 while driving your car, you would be covered up to £20,000,000 for property damage by the third-party liability insurance policy provided by ERS (Syndicate 218 at Lloyd’s) managed by IQUW Syndicate Management Limited, arranged via Turo’s broker, Lockton Companies LLP for any claims made by 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 £300. If the damaged vehicle doesn’t have any earnings to date or we calculate loss of hosting income to be less than £25, we’ll pay a flat £25 as loss of hosting income.
Physical damage
The host protection plans in the UK address the allocation of the financial consequences of physical damage to your car during the trip. Physical damage reimbursement from Turo applies to your vehicle in the event of a collision (when two vehicles hit each other or when a single vehicle hits an object) and most comprehensive events (theft, fire, animal impacts, vandalism, falling objects, etc.) during the trip, and is subject to terms and exclusions.
If any part of the physical damage is not covered by insurance (including, for example, a guest’s personal insurance or a third party’s insurance), each protection plan reflects the agreement between the host and Turo as to how to allocate responsibility for the financial consequences of that physical damage. Turo reimburses for physical damage to your vehicle up to up to the lesser of the cash value of your vehicle or £100,000. Physical damage reimbursement is not insurance.
Courtesy car
Included in the 65 plan only and for hosts with a single car listed on Turo, a courtesy car will be available up to a maximum of £350 per claim when repairs will take longer than three days. The Turo claims management vendor will offer the courtesy car, subject to its terms and conditions including insurance, incident and breakdown coverage, and explain which cars are available to the host. Repairs must be performed by a mechanic in the repair network of our claims management vendor. The host will be responsible for any additional charges incurred and additional mileage charges for exceeding the daily mileage allowance. If no car is available, Turo will provide up to £350 in Turo travel credit per claim.
Turo take
The “Turo take” is the percentage of the trip price that Turo retains to help it run smoothly, and covers the costs Turo incurs for taking on the financial responsibility 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.
* The third-party auto liability insurance from ERS (Syndicate 218 at Lloyd’s) managed by IQUW Syndicate Management Limited, is arranged via Turo’s broker, Lockton Companies LLP. IQUW and Lockton are authorised and regulated by the Financial Conduct Authority. Terms, conditions, and exclusions apply.
** Reimbursement for physical damage to your vehicle is not insurance but an agreement between hosts and Turo to allocate financial responsibility. Turo will reimburse hosts for eligible physical damage costs in excess of the deductible up to up to the actual cash value of the vehicle or £100,000.
*** Only available to hosts with a single car listed on the Turo platform. Other conditions and limits apply.
**** Exceptions may apply for trips that used Turo Go remote unlocking technology. Review the FAQ for more information on remote handoffs.