Protection plans for guests
Explore benefits, key terms, and how to use your plan in the event of an incident
You’re covered
Protection plans
When booking a car in the UK, you can choose from three protection plans — Premier, Standard, or Minimum — to limit the amount you’ll pay in the event something happens to the car. Spring for Premier for peace of mind, or pay less for lighter protection.
Third-party liability insurance
When booking a car on Turo, your own personal insurance does not come into play.
Separate from our protection plans, all trips in the UK are covered under a third-party automobile liability insurance policy, which includes coverage for damage to other people and their property.*
Third-party liability insurance provided by
Protection plan
Your financial responsibility for damage to the vehicle
Premier
£250
Standard
£750
Minimum
£2,000
Decline
(if available**)
Unlimited
Glossary
Financial responsibility
The out-of-pocket costs you are responsible for and have to pay for any exterior damage to your host’s vehicle, whether or not you were at fault (see “Fault vs. responsibility”) varies with each protection plan. The agreement between you and Turo that limits your financial responsibility for physical damage to your host’s vehicle is a contract, not insurance.
For example, if you select the Standard plan (£750 limit to your financial responsibility) and the cost of repairing damage that occurred during your trip is £1,500, you’d only have to pay the first £750, then your protection plan would cover the rest.
Liability insurance
All trips include £20,000,000 in liability coverage for damage to a third party’s property, and unlimited coverage for bodily injury or death*.
For example, if you have an accident causing £100,000 of damage to another person’s car, the cost would be covered by the liability insurance policy, and you wouldn’t have to pay anything out of pocket for that damage.
Fault vs. responsibility
During your trip, regardless of who was at fault, you are financially responsible for any damage to your host's vehicle, excluding wear and tear, up to your plan's limit for financial responsibility.
While incidents are rare, damages can still affect even the safest drivers. Choosing a protection plan limits the maximum you would have to pay from your own pocket if something unexpected happens.
Glossary
Financial responsibility
Each protection plan carries a different limit to the out-of-pocket costs you would have to pay for any exterior damage to your host’s vehicle, whether or not you were at fault (see “Fault vs. responsibility”). The agreement between you and Turo that limits your financial responsibility for physical damage to your host’s vehicle is a contract, not insurance. Your personal insurance would be applied first, then your protection plan would cover additional costs beyond your plan’s limit for financial responsibility.
For example, if you select the Standard plan (£750 limit for financial responsibility) and the cost to repair damage that occurred during your trip is £1,500, you’d only have to pay the first £750, then your protection plan would cover the rest.
Liability insurance
All trips include £20,000,000 in liability coverage for damage to a third party or property, and unlimited coverage for bodily injury or death*.
For example, if you have an accident causing £100,000 of damage to another person’s car, the costs would be covered by the liability insurance policy, and you wouldn’t have to pay anything out of pocket for the damage to the other person’s car.
Fault vs. responsibility
Regardless of whether or not the damage was your fault, you are financially responsible for any covered damage to your host’s vehicle (up to your plan’s limit for financial responsibility) during your trip.
While damage is rare, incidents can happen even to the safest drivers, so choosing a protection plan helps limit the max you’d have to pay from your own wallet if something unexpected happens.
What to do if the car is damaged
Make sure you’re safe, and call emergency services if necessary
Report the damage in the “Help” tab and message your host in the Turo app to let them know what happened
Resolve directly with your host...
In most cases, and especially if the cost of repairs is below your protection plan’s limit for financial responsibility, it’s cheaper, faster, and easier to settle damage costs directly with your host. They should get the damage assessed within 72 hours after your trip ends and let you know the cost of repairs. You then pay your host directly.
...or let Turo manage the claim
If the damage is more severe or you can’t come to an agreement with your host within 20 days after the trip ends, reply to the claim confirmation email from the Turo claims team who will handle the physical damage reimbursement request. They will determine how much you owe based on your protection plan, then charge your card for the damage (up to the limit of your financial responsibility) and a processing fee, or invoice you for both.
What’s covered by your protection plan?
Covered
Theft, exterior damage, vandalism, and acts of nature are all covered by your chosen protection plan, however, you are responsible for costs up to your plan’s out-of-pocket maximum.
Not covered
Interior and mechanical damage caused by neglect or abuse are not covered by your protection plan, and you are fully responsible for the full cost of these damages. Don’t ignore warning lights or drive in a way that could cause mechanical damage, or you’ll be responsible for the full repair costs.
How to make sure you’re protected
Take thorough pre-trip and post-trip photos, and upload them to the app to document the vehicle’s condition.
Promptly report any damage via the “Help” tab in the Turo app.
Use the Turo app when messaging with your host. If you discuss settling damage costs with your host via text or other apps, take screenshots to keep a record of your conversation.
Do not breach the Turo terms of service, including by engaging in prohibited uses such as smoking, offroading, driving on racetracks, engaging in illegal activities, or allowing non-approved drivers behind the wheel.
Do you need your own personal insurance?
You don’t need personal insurance to book a trip on Turo. All trips come with liability insurance or legal liability protection included.
* Third-party automobile liability insurance policy arranged by Turo’s broker, Lockton Companies LLP and provided by ERS (Syndicate 218 at Lloyd’s) managed by IQUW Syndicate Management Limited. Subject to terms, conditions, and exclusions, the ERS (Syndicate 218 at Lloyd’s) Policy provides guests with coverage for bodily injury and property damage to third parties while they are driving the booked vehicle during the booked trip up to £20,000,000.
** The option to decline protection is not available for all trips. If this option is available, it will show up as an option when booking a trip.