How it works
Vehicle protection for hosts
Liability insurance is provided under a policy issued to Turo by Travelers Excess and Surplus Lines Company. Terms, conditions, and exclusions apply.
All host protection plans in the United States come standard with up to $750,000* in third-party liability insurance issued to Turo under a policy from Travelers, as well as varying levels of contractual 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 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 deductible levels. 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
60 plan
Splurge on top-tier protection with the full suite of extra benefits
Earn 60% of the trip price
Up to $750,000 in third-party liability insurance*
Turo pays 100% of eligible damage costs**
No deductible**
Includes exterior wear and tear reimbursement for eligible vehicles***
Includes loss of hosting income during repair OR $50/day replacement vehicle reimbursement (10-day max)****
75 plan
Spring for solid protection with a minimal deductible
Earn 75% of the trip price
Up to $750,000 in third-party liability insurance*
Turo pays 100% of eligible damage costs above the deductible**
$250 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
80 plan
Pocket more with a moderate deductible
Earn 80% of the trip price
Up to $750,000 in third-party liability insurance*
Turo pays 100% of eligible damage costs above the deductible**
$750 deductible**
No replacement vehicle reimbursement during repair
Doesn’t include exterior wear and tear reimbursement
Doesn’t include loss of hosting income during repair
85 plan
Earn big by taking on a larger deductible
Earn 85% of the trip price
Up to $750,000 in third-party liability insurance*
Turo pays 100% of eligible damage costs above the deductible**
$1,625 deductible**
No replacement vehicle reimbursement during repair
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-earning plan
Earn 90% of the trip price
Up to $750,000 in third-party liability insurance*
Turo pays 100% of eligible damage costs above the deductible**
$2,500 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 financial responsibility 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 car insurance?
Yes, you still need your own personal car insurance for your vehicle. You’re required by law to register and insure your vehicle when it’s not being shared on Turo. Note that your personal insurance likely has an exclusion that voids coverage when you share your car in a peer-to-peer car sharing marketplace. Similarly, the vehicle protection plans offered on Turo only apply to trips booked on Turo. If your vehicle is damaged when it’s not on a trip with Turo, you would need to file a claim with your own personal car insurance provider.
What happens if my vehicle is in an accident?
In the rare case that your vehicle is involved in an accident during a trip, your guest should report it immediately. If you notice damage at the end of a trip and your guest hasn’t reported it yet, please report it immediately at http://turo.com/resolutions.
To help ensure eligibility for reimbursement under a protection plan, hosts must:
- Take clear photos to document the vehicle’s condition at the start and end of each trip. Use the in-app check-in and checkout features to take and upload the photos.*****
- Report damage within 24 hours of the end of the trip. A Turo associate will then reach out and guide you through the process.
Visit the Help Center for a deeper dive into all 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 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 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 are $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 60 plan includes exterior wear and tear reimbursement, including dings, dents, cracks, or scratches that are three inches in diameter or less, to the exterior body of eligible vehicles.*** None of the plans include reimbursement for interior wear and tear.
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 earn 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, and 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 liability insurance protects hosts from legal exposure for claims of 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 when driving your car, you would be covered for up to $750,000 by the liability insurance policy provided by Travelers for any claims made by the owner of the parked car. The Travelers policy would not cover any damage to your own car — see the “Physical damage” section to learn about reimbursement for damage to your 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 60 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 60 plan can elect to receive reimbursement for either loss of hosting income or replacement vehicle, not both.
Physical damage
The host protection plans in the US also address the allocation of the financial consequences of physical damage to your car during the trip. Physical damage contractual 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 fairly allocate responsibility for the financial consequences of that physical damage. Turo is NOT an insurance company and does not have insurance for physical damage to your vehicle.**
Reimbursement for replacement vehicle
Included in the 60 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 60 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. If you choose to get reimbursed for a replacement vehicle, you won’t be eligible to receive loss of hosting income in the 60 plan.
Turo take
The “Turo take” is the percentage of the trip price that Turo retains to help the platform 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.
*Liability insurance is provided under a policy issued to Turo by Travelers Excess and Surplus Lines Company. Terms, conditions, and exclusions apply. The policy does not provide coverage for damage to a host’s vehicle. For questions or information about the third-party liability insurance that is included in protection plans, consumers in Maryland and the licensed states listed here may contact Turo Insurance Agency at (415) 508-0283 / claims@turo.agency. For questions about how damage to a host’s vehicle is handled, visit https://support.turo.com/. Liability coverage is up to $750,000 for all host protection plans, except in some states and at some airports that require additional coverage. In New York, the liability coverage is $1,250,000.
**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 in excess of the deductible, 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. All listings with total market value of $125,000 or more must provide proof of an active manufacturer-installed tracker. Details here. When a trip is booked in the state of Washington, physical damage to the host’s vehicle is covered by insurance purchased by Turo, but Turo’s insurance does not change the contractual responsibilities of hosts or guests with respect to physical damage to a host’s vehicle.
***The wear and tear benefit only applies to vehicles that are two years old or newer and with under 24,000 miles, or vehicles in the Super Deluxe class regardless of age or mileage. Super Deluxe vehicles have a fair market value of more than $85,000. Turo uses a third-party vehicle valuation vendor to determine the fair market value of vehicles listed on our platform.
****If a host elects to receive loss of hosting income on the 60 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.
*****Exceptions may apply for trips that use Turo Go remote unlocking technology. Check out the Help Center article about preparing for a Turo Go trip for more information on remote handoffs.