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How it works

Vehicle protection for hosts

purple car illustration

Insurance coverage from Liberty Mutual offered through Turo Insurance Agency, LLC.

All host protection plans in the United States come standard with up to $750,000* in third-party liability insurance from Liberty Mutual, 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 $125,000, 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

  • Includes loss of hosting income during repair OR $50/day replacement vehicle reimbursement (10 day max) ***


70 plan

Spring for solid coverage with a minimal deductible

  • Earn 70% 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


75 plan

Pocket more with a moderate 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 **

  • $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


80 plan

Earn big by taking on a larger 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 **

  • $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


85 plan

Cash in on the highest risk, highest reward plan

  • 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 **

  • $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.

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 provide your own commercial rental insurance to your guests for a bigger piece of the pie.

Car rental companies who choose to provide their own commercial insurance waive all insurance and protections — including liability insurance, physical damage reimbursement, and roadside assistance - but earn 92.5% 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:

  • 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 vehicle insurance?

Yes, you still need your own insurance for your vehicle.

Because our vehicle protection plans cover trips booked on Turo only, you are still required to carry your own insurance in order to comply with the law.

If you’ve chosen to provide your own commercial insurance, you’ll need to file any claim according to your internal insurance processes. Since you will have waived Turo protections, Turo and its insurers will not be responsible for any damage claims during a trip.

For hosts opted into Turo’s vehicle protection plans, the Turo vehicle protection plan you chose will act as primary coverage for damage that occurs during a trip. Your own insurance — which likely has an exclusion for coverage when you engage in car sharing — should not be affected in most cases. If you have chosen to provide your own commercial insurance and waived Turo protections, any damage to your vehicle or liability to a third party during a trip will be covered by your commercial policy.

What happens if my vehicle gets into 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 the trip, please report it immediately at http://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.


* Liberty Mutual liability insurance in the US is secured through Turo Insurance Agency. Terms, conditions, and exclusions apply. 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.

*** 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 used Turo Go remote unlocking technology. Review the FAQ for more information on remote handoffs.

Insurance coverage from Liberty Mutual offered through Turo Insurance Agency, LLC.

All host protection plans in the United States come standard with up to $750,000* in third-party liability insurance from Liberty Mutual, 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 $125,000, 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

  • Includes loss of hosting income during repair OR $50/day replacement vehicle reimbursement (10 day max) ***


70 plan

Spring for solid coverage with a minimal deductible

  • Earn 70% 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


75 plan

Pocket more with a moderate 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 **

  • $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


80 plan

Earn big by taking on a larger 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 **

  • $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


85 plan

Cash in on the highest risk, highest reward plan

  • 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 **

  • $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.

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 provide your own commercial rental insurance to your guests for a bigger piece of the pie.

Car rental companies who choose to provide their own commercial insurance waive all insurance and protections — including liability insurance, physical damage reimbursement, and roadside assistance - but earn 92.5% 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:

  • 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 vehicle insurance?

Yes, you still need your own insurance for your vehicle.

Because our vehicle protection plans cover trips booked on Turo only, you are still required to carry your own insurance in order to comply with the law.

If you’ve chosen to provide your own commercial insurance, you’ll need to file any claim according to your internal insurance processes. Since you will have waived Turo protections, Turo and its insurers will not be responsible for any damage claims during a trip.

For hosts opted into Turo’s vehicle protection plans, the Turo vehicle protection plan you chose will act as primary coverage for damage that occurs during a trip. Your own insurance — which likely has an exclusion for coverage when you engage in car sharing — should not be affected in most cases. If you have chosen to provide your own commercial insurance and waived Turo protections, any damage to your vehicle or liability to a third party during a trip will be covered by your commercial policy.

What happens if my vehicle gets into 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 the trip, please report it immediately at http://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.


Glossary
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 $125,000.** 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 70 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 70 plan, then you would pocket 70% of each trip price. The remaining 30% 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 up to $750,000 by the liability insurance policy provided by Liberty Mutual and secured through Turo Insurance Agency for any claims made by the owner of the parked car. The Liberty Mutual insurance 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 fairly to 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.

Reimbursment for replacement vehicle

Included in the 60 and 70 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 (see the “Turo host protection plan options” section at the top of this page for plan overviews). 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 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.

* Liberty Mutual liability insurance in the US is secured through Turo Insurance Agency. Terms, conditions, and exclusions apply. 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. For the Tesla Model X, Tesla Model S, and Tesla Model 3 only, Turo will be responsible for the cost of eligible repairs, after the deductible, subject to terms and exclusions, for the lesser of the cost of the repair up to the actual cash value of the vehicle, even if it is more than $125,000.

*** 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 used Turo Go remote unlocking technology. Review the FAQ for more information on remote handoffs.