Host Protection Plan FAQ's and Commonly Used Terms

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 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 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.)

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 $750,000 by the liability insurance policy provided by Travelers Excess and Surplus Lines Company 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 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.

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.**

Included in the 60 and 75 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.

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.

All host protection plans in the United States come standard with $750,000* in third-party liability insurance issued to Turo under a policy from Travelers, 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 $200,000, 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

• $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) ***

75 plan

Spring for solid coverage with a minimal deductible

• Earn 75% of the trip price

• $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

80 plan

Pocket more with a moderate deductible

• Earn 80% of the trip price

• $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

• $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

• $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.

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 to cover the financial responsibility laws in your state.

Because the vehicle protection plans offered on Turo only apply to trips booked on Turo, you are still required by law to register and insure your vehicle when it’s not being shared on Turo.

For hosts who chose a vehicle protection plan offered on Turo, it includes third-party liability insurance of $750,000*. Your personal insurance likely has an exclusion that voids coverage when you share your car in a peer-to-peer car sharing marketplace.

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.

So long as a Host is in compliance with the Terms of Service and has not chosen to decline a protection plan, the following applies:

Liability insurance

All protection plans include coverage under a third-party automobile liability insurance policy issued to Turo from Travelers Excess and Surplus Lines Company (“Travelers”)*. Subject to terms, conditions, and exclusions, the Travelers Policy provides Hosts with the following kinds of coverage during the Reservation Period.

• Bodily injury and property damage to third parties

  • The Travelers Policy insures Hosts against legal exposure for claims of bodily injury or property damage to a third party (meaning someone or something else) that may occur during a Guest’s trip with your vehicle. The policy provides coverage up to a combined single limit of $750,000, except in some states and at some airports that require additional coverage.

• Personal Injury Protection (“PIP”)

  • The Travelers Policy provides the minimum amount of PIP coverage allowed by law in those few states where PIP coverage is required by law and cannot be waived.

  • PIP typically protects Guests and passengers (up to a stated dollar amount) for medical, funeral, and similar expenses. This protection applies regardless of who was at fault. The scope of PIP coverage varies by state.

  • PIP isn’t required in all states and may be waived in some states. Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Hosts and Guests are bound by Turo’s election. In addition, they agree to be bound by that election under the Terms of Service.

  • The attached file includes specific elections, rejections, and waivers for each state, and is incorporated by reference and made a part of the Terms of Service.

• Uninsured or Underinsured Motorist (“UM/UIM")

  • The Travelers Policy includes the statutory minimum amount of UM/UIM coverage in those few states where UM/UIM coverage is required by law and cannot be waived.

  • UM/UIM coverage, when available, protects Hosts, Guests, and passengers from losses resulting from bodily injury caused by an uninsured driver, hit and run driver, a driver whose limits of liability have been exhausted, or a driver whose insurer is insolvent while in the shared Vehicle during the Reservation Period.

  • Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Hosts and guests are bound by Turo’s election. In addition, they agree to be bound by that election pursuant to the Terms of Service.

  • The attached file includes specific elections, rejections, and waivers for each state, and is incorporated by reference and made a part of the Terms of Service.

The Travelers Policy does not provide a defense or indemnification for any claim asserted by Turo.

Note: Many private passenger automobile insurance policies exclude coverage for peer-to-peer car sharing. That means your policy likely doesn’t insure the Vehicle during the Reservation Period (including the delivery). Some policies may, however, still provide coverage. Talk to your insurance company or advisor about the applicability of your own insurance. Neither Turo nor Turo Insurance Agency provide information or advice about the existence or scope of any coverage that might be available under a Host’s personal policy during the Reservation Period.

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 and comprehensive events during the trip, and is subject to terms and exclusions.

Turo will reimburse Hosts for eligible Physical Damage costs above 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 $200,000. For the Tesla Model X, Tesla Model S, and Tesla Model 3 only, Turo will be responsible for the cost of eligible repairs, above 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 $200,000.

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 or offer insurance for Physical Damage to your Vehicle. 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.

• Deductible

  • For Vehicles on the 60 plan, there is no Deductible.

  • For Vehicles on the 75 plan, there is a maximum $250 Deductible.

  • For Vehicles on the 80 plan, there is a maximum $750 Deductible.

  • For Vehicles on the 85 plan, there is a maximum $1,625 Deductible.

  • For Vehicles on the 90 plan, there is a maximum $2,500 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.

  • Note that this Deductible applies to all types of physical damage claims including, but not limited to, exterior damage, interior damage, flat tires, damaged tires, glass, and mechanical damage.

• Replacement Vehicle Reimbursement

  • Under the 80, 85, and 90 plans, Turo is not responsible for any Replacement Vehicle Reimbursement.

  • Under the 75 plan, subject to all of the Terms and Conditions, Turo will, at the Host’s election:

    • reimburse the Host for up to $30 per day in documented Replacement Vehicle Reimbursement for a maximum of 10 days. Turo will provide a Vehicle reimbursement of $300 if the Vehicle is considered a total loss.

  • Under the 60 plan, subject to all of the Terms and Conditions, Turo will, at the Host’s election:

    • reimburse the Host for up to $50 per day in documented Replacement Vehicle Reimbursement for a maximum of 10 days. Turo will provide a Vehicle reimbursement of $500 if the Vehicle is considered a total loss.

    • Host can elect to receive either Loss of Hosting Income (as detailed below) or Replacement Vehicle Reimbursement, but not both.

• Exterior Wear and Tear

  • Under the 75, 80, 85, and 90 plans, Turo is not responsible for reimbursing any Exterior Wear and Tear Costs.

  • Under the 60 plan, Turo is responsible for reimbursing Exterior Wear and Tear Costs for confirmed, new Physical Damage that is under 3”. Interior Wear and Tear is not included.

• Loss of Hosting Income

  • Under the 75, 80, 85, and 90 plan Turo is not responsible for reimbursing any Loss of Hosting Income.

  • Under the 60 plan, Turo is responsible for reimbursing the Loss of Hosting Income for the damaged Vehicle’s potential earnings, based on the last 60 days average earnings, up to a maximum of 30 days reimbursement for repairable Vehicles. If a vehicle is deemed to be a total loss, Turo will reimburse for Loss of Hosting Income for the lesser of the time to settlement of the total loss or 30 days. If Host has no earnings history, Turo will issue a standard payment of $25 for Hosts who opt to receive Loss of Hosting Income. Hosts who opt to receive Loss of Hosting Income are not eligible for Replacement Vehicle Reimbursement.

• Diminished value

  • If your car is damaged (not totaled) and repaired, you’re not protected for any diminution in the value of your car. If your car is eligible for physical damage reimbursement, Turo will pay for the lesser of the cost of repair up to the actual cash value of the vehicle or $200,000. However, there is no reimbursement for any potential reduction in value resulting from damage related to a trip.

• Quality of repairs

  • There is no guarantee, expressed or implied, for the quality of repairs you obtain. If a shop repairs the eligible damage and the repairs later turn out to be of low quality, there will be no reimbursement by Turo for repeat repairs.

Comprehensive: other property damage to the car that isn’t a collision – theft, fire (excluding fires resulting from Mechanical Failure), animal impacts, vandalism, falling objects and acts of nature (windstorm, flood, etc.). In the case of “acts of nature,” or fire comprehensive damage (e.g., flood, earthquake, hail, windstorm, etc.), the Host will receive reimbursement subject to their selected protection plan for the reservation.

Deductible: 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.

Delivery Period: the time when the host or designee, who is a Turo-approved driver, is actively delivering the car to the primary guest who has reserved delivery, and ends when the car has been delivered to the primary guest. The period doesn’t include the time when the host or designee is retrieving the car at the end of the trip. There is third-party liability insurance available during the Delivery Period if the guest books delivery in the reservation, but no contractual reimbursement for physical damage to the host’s car during the Delivery Period.

Deterioration: any fading, discoloration, rust, or wear caused to the interior or exterior of the Vehicle over time. Also includes any deterioration from road use of tires, and mechanical deterioration of belts, suspension, electrical and mechanical components, along with any resulting damage from these events.

Exterior Wear and Tear: any dings, dents, cracks, or scratches to the exterior body of the Vehicle that is 3 inches in diameter or less. This includes, but is not limited to, rims, wheels, hubcaps, any painted or textured area for the body of the Vehicle, and moldings. Read more about Wear and Tear.

Guest: the primary name listed in the reservation. We also use it to refer to any Turo approved additional drivers listed on the reservation.

Host: The person(s) or entity that lists a Vehicle on Turo, including but not limited to the Vehicle owner(s) and persons or entities authorized by the Vehicle’s owner(s) to list the Vehicle on Turo.

Interior Wear and Tear: minor scuffing of interior surfaces that is 3 inches or less in diameter, along with any dials, switches, knobs, that break or fail over time. Cuts and punctures that are clearly due to abuse or misuse by the Guest are not included in this definition.

Loss of Hosting Income: payment for the possible earnings that a Host might have lost due to reimbursable damage to your Vehicle.

Mechanical Failure: any mechanical, electrical, suspension, engine, or transmission damage a vehicle incurs due to age, normal usage/wear and tear, defect, a lack of maintenance, or warranty issue (including, but not limited to manufacturer defect), along with any resulting damage or resulting fire that arises due to those causes, and excluding any mechanical damage caused by the Guest’s negligence or intentional misuse. Clutch damage is handled separately. Read our clutch policy.

Necessary Repair Costs: the reasonable and necessary costs for the parts and the labor required to repair the eligible Physical Damage to the reserved Vehicle that occurred after the Delivery Period and during the Reservation Period, except for the following Excluded Costs:

• Aftermarket accessories that do not replace original parts. Read complete information on use and reimbursement of aftermarket parts.

• If the Reimbursable Cause is an act of nature (e.g., flood, earthquake, hail, windstorm, etc.), any cost that the Host’s private passenger auto insurer would not have been required to pay under the primary insurance policy covering the Vehicle in effect immediately prior to the start of the Reservation Period.

Physical Damage: actual tangible damage to the Vehicle that occurs after delivery during the Reservation Period as a result of a Collision or a Reimbursable Cause (Note: The Host is required to demonstrate that any damage to the reserved Vehicle meets the definition of Physical Damage by providing the proof outlined below).

• Collision means when the Vehicle collides with another vehicle or an object.

• Reimbursable Cause means theft, fire (excluding fires resulting from Mechanical Failure), animal impacts, vandalism, falling objects and acts of nature (e.g., flood, earthquake, hail, windstorm, etc.).

• Excluded Damage:

  • Damage existing as of the start of the Reservation Period;

  • Interior Wear and Tear;

  • Exterior Wear and Tear for Vehicles on all plans other than the 60 plan

  • Physical Damage existing prior to, or occurring during, the Delivery Period;

  • Deterioration;

  • Mechanical Failures

  • Physical Damage that occurs during or after any period in which the Host is in violation of the Terms of Service;

  • Damage to any personal items left in the Vehicle;

  • Damage to, or resulting from, tires that are defective, have excessive wear & tear or dry rot, have tread depth less than 4/32 inch, were not properly inflated prior to the reservation, or are 6 or more years old.

  • Scrapes, scratches, dings regardless of size, to the underside of bumpers, air deflectors and underbody panels.

  • Dings, dents, scratches, and creases less than 3” to the inside of truck beds from loading or carrying items.

  • Minor scuffs, scratches, dings, and dents less than 3” to non-painted Jeep Wrangler hard tops and Freedom tops.

Replacement Vehicle Reimbursement: reimburses Hosts for costs incurred by booking alternate transportation while the Vehicle is in the shop due to eligible damage that occurred during the Reservation Period while the Vehicle is in the Guest’s custody or control.

Reservation Period: begins at the trip start time listed in the reservation and when the Vehicle is in the custody or control of the Guest and ends the earlier of the trip end time or when the Vehicle is returned to either the Host or the location designated in the reservation. This is the period shown for a booked trip.

Vehicle: the vehicle booked during the applicable reservation.

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.