Vehicle protection for hosts

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 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.

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 to the exterior body of the vehicle that are three inches in diameter or less. None of the plans include reimbursement for interior wear and tear. If you have additional questions, please talk to your insurance professional.

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 for $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.**

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 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.