How it works
Insurance coverage from Aioi Nissay Dowa Insurance UK Ltd. offered through Turo UK Ltd.
Both host protection plans in the United Kingdom come standard with up to £20,000,000 in third-party liability insurance, as well as varying levels of contractual reimbursement from Turo and coverage from Aioi Nissay Dowa Insurance 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 a certain portion and Aioi Nissay Dowa Insurance would cover the rest of 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
Splurge on top-tier protection with the full suite of extra benefits
Earn 65% of the trip price
Up to £20,000,000 in third-party liability insurance *
100% of eligible damage costs are reimbursed **
No deductible **
Includes loss of hosting income during repair (up to £300)
Includes courtesy car***
Spring for solid coverage with a minimal deductible
Earn 75% of the trip price
Up to £20,000,000 in third-party liability insurance *
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.
If you have your own commercial rental insurance
If you’re a rental car company looking to share your fleet via Turo, you can waive these host protection options (liability and physical damage reimbursement) and use Turo as a Commercial Host, providing your own commercial rental insurance to your guests for a bigger piece of the pie.
Commercial Hosts waive all insurance and protections — including liability insurance, physical damage reimbursement, and roadside assistance — but earn 80% of the trip price.
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:
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 vehicle protection plans offered on Turo only apply to trips booked on Turo, you are still required by law to insure your vehicle when it’s not being shared on Turo.
Vehicle protection plans offered on Turo include third-party liability insurance up to £20,000,000*. When you share your car on Turo, you are covered by the insurance provided by Aioi Nissay Dowa Insurance. 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.
If you’ve chosen to provide your own commercial insurance and waive a protection plan offered on Turo, any damage to your vehicle or liability to a third party during a trip would only be covered by your own applicable commercial policy. You’ll need to file any claim with your own insurance provider. Since you will have waived Turo protection, Turo and its insurers will not be responsible for any damage or third-party liability claims that occur during a trip.
What other requirements must I meet?
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:
If you have additional questions, please talk to your insurance professional.
Review the FAQ for a deeper dive into all the host protection plans.
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 £10,000. Aioi Nissay Dowa Insurance would cover 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 £100,000.** Remember, the Turo portion of 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.
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 a portion of 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.)
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 up to £20,000,000 by the liability insurance policy provided by Aioi Nissay Dowa Insurance UK Ltd. via Turo broker Aon UK Ltd. for any claims made by the owner of the parked car.
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.
The host protection plans in the UK also address the allocation of the financial consequences of physical damage to your car during the trip. Physical damage contractual reimbursement from Turo and coverage from Aioi Nissay Dowa Insurance 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 fairly to allocate responsibility for the financial consequences of that physical damage. Turo reimburses for physical damage to your vehicle up to £10,000. Physical damage to your vehicle over £10,000 but up to the lesser of the cash value of your vehicle or £100,000 is covered by the insurance provided by Aioi Nissay Dowa Insurance.
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.
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 liability insurance from Aioi Nissay Dowa Insurance UK Ltd. is secured through Turo broker Aon UK Ltd. Aioi Nissay Dowa Insurance and Aon are regulated by the Financial Conduct Authority. Terms, conditions, and exclusions apply. Liability coverage is up to £20,000,000 for all host protection plans and eligible physical damage up to £100,000.
** Contractual reimbursement for a portion of physical damage to your vehicle is not insurance. Turo will reimburse hosts for eligible physical damage costs in excess of the deductible up to £10,000, subject to terms and exclusions. Any cost of repair over £10,000 but up to the actual cash value of the vehicle or £100,000 is covered by Aioi Nissay Dowa Insurance.
*** 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.