Insurance & vehicle protection for Turo hosts
Third-party liability insurance provided under a policy issued to Turo by Travelers Excess and Surplus Lines Company.
Share your car with confidence
All Turo hosts choose the protection plan that’s right for them, and every host plan comes standard with up to $750,000* in third-party liability insurance from Travelers.
Spring for extra peace of mind, or go light for a bigger piece of the pie.
Up to $750,000 in liability insurance
Rest easy knowing you’re covered in case of a third-party claim that may occur during a trip
Varying levels of vehicle protection
Choose from five plans, each of which offers reimbursement for car repairs up to your car’s actual cash value** in case of damage during a trip
24/7 roadside assistance
Rest assured that roadside support is available for all trips****
Looking for more info on protection for Turo guests? Click here
Choose the plan that’s right for you
While every protection plan includes liability insurance, physical damage reimbursement, and access to 24/7 roadside assistance,**** you get to pick the plan options that make sense for you.
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
Includes loss of hosting income during repair OR $50/day replacement vehicle reimbursement***
75 plan
Spring for solid coverage 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***
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 reward 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
“Turo will pay the full repair cost up to the cash value of the car, or a limit of $125,000.”
“Hosts can choose to earn between 60% and 90% of bookings, based upon the insurance protection plan option they choose.”
“[Turo] connects owners with renters, and provides some of the tools both parties need — liability insurance, assured transactions, dispute arbitration — to make the arrangement safe and easy for everyone involved.”
“By taking the right steps, I was able to have my whole entire car covered with no out of pocket cost.”
- Sam W., Los Angeles, CA
“It was amazing because right from the accident when Turo got notified, my claim was assigned to a specialist. Within 24 hours I got a call. I got my car towed and appraised, and at the end, Turo coverage paid for everything that I owed on the car so it was not a loss for me.”
- Okey O., Sugarland, TX
What happens if my vehicle gets damaged?
Physical damage reimbursement is not insurance, but a contractual allocation of risk between you and Turo. If your vehicle gets damaged during a trip, simply notify Turo, providing pre- and post-trip photos within 24 hours of the end of the trip. It’s important to take photos before and after each trip to document the vehicle’s condition.*****
A Turo associate will reach out within 1–3 days and guide you through the rest of the process. Hosts will be responsible for the deductible amount, then Turo will reimburse the rest of the repair costs for eligible physical damage.**
*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.
**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 $125,000. 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.
***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.
**** Certain roadside assistance fees may be charged. Review the Help Center article for more info.
***** Exceptions may apply for trips that use Turo Go remote unlocking technology. Review the FAQ for more information on remote handoffs.