- These include all costs and fees resulting from damage of any kind to the Vehicle during the booked trip. - Any damage to the vehicle, including Mechanical Damage and Interior Damage. If the final damages plus all Related Costs, minus insurance collected, are below the deposit amount, or the claim is not covered, the difference will be refunded. However, in West Virginia the insurance available on Turo will be primary while in Maryland the insurance available on Turo will be primary unless the Guest is using Turo for a replacement vehicle while the Guest’s own insured vehicle is repaired. But in … Turo’s Premium insurance does have an advantage, though. If you do, your out-of-pocket exposure will extend to the full value of the vehicle and all related costs. However, in West Virginia the insurance available on Turo will be primary while in Maryland the insurance available on Turo will be primary unless the Guest is using Turo for a replacement vehicle while the Guest’s own insured vehicle is repaired. They should upload the photos to Trip Photos at the start of the trip. , even where they cover rental car trips. 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 you. Some insurance companies exclude coverage for peer -to-peer car sharing. The contractual limitation of liability included in the Standard and Minimum protection plans: The contractual limitation of liability included in the Premier, Standard, and Minimum protection plans: For the Premier, Standard, and Minimum plans, if the Guest or any of their approved secondary drivers violate the Terms of Service, engages in any Prohibited Uses or otherwise intentionally, recklessly, or with wanton disregard, misuse the car, the contractual limitation of liability is void and does not apply. *Liability insurance covers third party bodily injury and third party property damage  resulting from an accident for which you’re liable. Cover your monthly car payments or simply earn some extra cash by sharing your car on Turo whenever you’re not using it. If the primary Guest selects the Premier plan (discussed below), the limits of the coverage provided under the Liberty Mutual Policy are increased to a combined single limit of $750,000 subject to the terms of the policy. Jump to learn more about protection plans Tips to make your profile pop have insurance, our liability insurance provider* will supplement your personal coverage. Cost and fees include but are not limited to: claims processing costs and all similar or associated costs, minus any residual salvage value that’s collected. I'm worried I'm only going to be getting 20% of the cost to fix the car and it's not even worth what it will cost to fix it. Turo is a marketplace built on trust and fueled by diversity and inclusion. We also use it to refer to any Turo authorized secondary drivers. If a Guest is insured under a policy of auto liability insurance issued in Maryland or in West Virginia that includes collision and/or comprehensive coverage for physical damage, the Guest’s collision coverage applies during the booked trip with the Vehicle. This number is used by auto and home insurers to evaluate the strength of your credit and is based on your credit history. The following options are not insurance but a contract which sets forth your level of responsibility for Physical Damage. If the final damages plus all Related Costs, minus insurance collected, are below the deposit amount, or the claim is not covered, the difference will be refunded. Plus, those typically only cover damage to the rented vehicle. Exception for Maryland and West Virginia: If a Guest is insured under a policy of auto liability insurance issued in Maryland or in West Virginia that includes collision and/or comprehensive coverage for physical damage, the Guest’s collision coverage applies during the booked trip with the Vehicle. You earn anywhere from 65% to 90% of the fee paid by the renter. Credit card companies don’t cover peer-to-peer car sharing reservations. This limits her financial responsibility to $3,000 out of pocket for amounts not covered by her own insurance. Turo’s insurance covers the guest when they rent cars on the Turo platform, so it didn’t make sense for me to have to pay for the guest’s insurance too. Upon communication Subject to terms, conditions, and exclusions, the Liberty Mutual policy provides Guests with the following kinds of coverage. 'As another example, if there’s Physical Damage to the Vehicle that results in it being a total loss, then the primary Guest will be financially liable for the actual cash value of the Vehicle, plus Related Costs, minus the salvage value, if any. That means that the primary Guest will be fully liable for physical damage, including up to the actual cash value of the car, in addition to all Related Costs. Mary is a frequent guest with Turo in the US and always purchases the Minimum protection plan. If you’ve booked a vehicle from a Commercial Host, none of the above applies, and you won’t be offered a protection plan at checkout. ONLY apply if the primary Guest and each approved secondary driver abides by the Terms and Conditions; ONLY apply to Physical Damage that is not Mechanical or Interior Damage. You’re protected by £20 million in liability insurance and each traveler is prescreened. Under the Premier plan, the primary Guest isn’t responsible for paying out of pocket costs for reported Physical Damage (other than eligible Mechanical or Interior Damage) to the Vehicle. Your earnings vary depending on the insurance plan you choose. The attached files include specific elections, rejections, and waivers for each state, and is incorporated by reference and made a part of the Terms of Service. Bodily injury and property damage to third parties: The Liberty Mutual Policy insures Guests who book with non-Commercial Hosts against liability to third parties for bodily injury and third party property damage resulting from the use of the booked vehicle during the booked trip. Regardless of which protection plan the primary Guests chooses, the primary Guest is financially liable for the full cost of the repairs or replacement, as well as Related Costs, for interior damage or mechanical damage caused during the booked trip. By renting out cars on Turo and GetAround you potentially expose your personal assets to litigation if a guest gets into an accident. All Protection Plans include third-party liability insurance from Liberty Mutual under a policy acquired by Turo via Turo Insurance Agency, LLC, a licensed insurance producer. It’s read, “. Coverage is provided regardless of who was at fault. Primary Guests can contractually limit the amount that they’re legally obligated to pay out of their own pocket in the event there’s Physical Damage to the booked car that’s not covered, or fully covered, by the primary Guest’s own insurance. Turo Insurance Agency ensures coverage for hosts’ cars while they’re booked, and hosts can save money on auto insurance by not doubling up. Some insurance companies exclude coverage for peer -to-peer car sharing. We do not offer protection plans for vehicles booked with Commercial Hosts. Don’t assume that your personal auto insurance policy or credit card coverage applies to person-to-person car sharing trip bookings in the same way it applies to traditional rental car bookings. Win more business by becoming a Commercial Host on Turo. One way Turo evaluates the reliability of potential guests is by looking at your insurance score, also called your credit-based insurance score. Under the Minimum plan, the amount that the primary Guest is liable to pay out of their own pocket for Physical Damage (other than Mechanical or Interior Damage) to the Vehicle during the booked trip, plus Related Costs such as claims administrative fees and appraisal costs (and after exhaustion of any other applicable insurance), is contractually limited to $3,000. All three plans give you $1 million in liability insurance, plus physical damage protection for the value of … Some hosts on Turo are Commercial Hosts. * 24/7 support & … If you do, your out-of-pocket exposure will extend to the full value of the vehicle and all related costs. Sounds pretty straightforward, right? We make protection plans available to hosts and guests in Canada through Intact Financial Corporation and Insurance Corporation of British Columbia (ICBC). Even if the third-party liability insurance coverage under the Guest’s own car insurance doesn’t apply, the first-party liability coverage for physical damage (as defined in that policy) may. It’s best to check with your insurer or your broker before making your decision. Under the Standard plan, the amount that the primary Guest is liable to pay out of their own pocket for Physical Damage (other than Mechanical or Interior Damage) to the Vehicle during the booked trip, plus Related Costs such as claims administrative fees and appraisal costs (and after exhaustion of any other applicable insurance), is contractually limited to $500. Uninsured or Underinsured Motorist (“UM/UIM"): The Liberty Mutual Policy includes the statutory minimum amount of UM/UIM coverage in those states where UM/UIM coverage is required by law and can’t be waived. UM/UIM coverage, when available, protects Guests and passengers from losses resulting from bodily injury caused by: a driver whose limits of liability have been exhausted, a driver whose insurer is insolvent while in the booked vehicle during the booked trip. Soooo…Turo “insurance agency/not an insurance company” runs their own insurance agency, through which Turo Airbnb-like car rental business buys insurance and then almost certainly deducts it as a fat business expense. Turo policy requires that hosts provide a key to the guests, even when the car is accessed remotely, so the guest can use the car normally during their trip. I rented my 3 series out on turo. Turo currently offers its owners and renters third-party liability insurance from Liberty Mutual, which Turo obtains from a policy through the Turo Insurance Agency, LLC. Cost and fees include but are not limited to: Turo isn’t an insurance company. Guests who book a car with a protection plan do not need personal car insurance to use Turo. Coverage provided is up to the minimum liability coverage required by state law. Third-party liability insurance provided by Liberty Mutual secured through Turo Insurance Agency, LLC 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 Liberty Mutual. Turo isn’t an insurance company. covers third party bodily injury and third party property damage  resulting from an accident for which you’re liable. Without an RF blocking pouch, the car may inadvertently become unlocked, compromising your car’s security. With each Turo protection plan, you’re covered with liability insurance from Liberty Mutual provided through Turo Insurance Agency — up to $750,000 for the Premier plan. When damage is reported, the primary Guest will be charged a $500 damage deposit unless there was major damage (non drivable) to the Vehicle, in which case a $3000 damage deposit will be charged. in the state of New York where Services aren’t available or. Protection plans made available on Turo also address the primary Guest’s financial liability for any damage to the Vehicle that takes place during the booked trip. Primary Guests between the ages of 18-20 may select this plan. Hosts and guests are not required to have insurance protection through Turo, but all vehicles must carry some sort of insurance coverage — by way of Turo protection plans or independent policies provided by … If you have questions about selecting among these options, please consult your insurance professional. This insurance is available to all owners who operate in the U.S., UK, Germany, and certain provinces in Canada. Depending on the protection plan you select, liability coverage is up to $750,000 in the US. Delivery Period (when the host or designee, who is a “Turo Approved Driver,” is actively delivering the car to the guest, and not while retrieving the car from the guest). My vehicle was returned to me yesterday by the guest with damage to the front bumper and rear driver's side fender. Turo: the company that lets you rent your personal car out for money. Every host plan comes standard with up to $750,0002 in third-party liability insurance from Liberty Mutual. **Premier plan is available for trips in vehicles with a total market value of less than $25k. Claims processing costs vary but are typically up to $575 per claim. Turo has arranged its motor insurance with Allianz Insurance plc via Turo broker Aon UK Limited. The contractual limitation of liability available under the Premier, Standard, and Minimum plans doesn’t apply to damage caused to the interior of the vehicle or mechanical damage caused during the booked trip (not normal “wear and tear”). If you do have insurance, our liability insurance provider* will supplement your personal coverage. Guest’s responsibility for damage to the vehicle. When Mechanical or Interior Damage is reported, the primary Guest will be charged for eligible damage once a final assessment of the damage cost has been made. You’ll know if you’re  booking a trip with a Commercial Host because their vehicle description page will include a notice. Depending on the protection plan you select, liability coverage is up to $750,000 in the US. Turo Support Insurance & Claims Guests Guests Personal insurance requirements for guests Guest accidents, claims, and responsibilities | US Guest accidents, claims, and responsibilities Guest … Guests who book a trip with a protection plan do not need personal insurance coverage. When damage is reported, the primary Guest will be charged a $500 damage deposit. Please refer to the listing or contact the Commercial Host for information about any insurance or protection available to you, including any related fees. It typically protects Guests and passengers (up to a stated dollar amount) for: similar expenses resulting from injuries incurred during the use of the booked vehicle during the booked trip. Unlocking the car You’ll be able use Turo Go to locate your car anytime except during a trip — location data is disabled to honor guest privacy. The contractual limitation of liability available under the Premier, Standard, and Minimum plans doesn’t apply to damage caused to the interior of the vehicle or mechanical damage caused during the booked trip (not normal “wear and tear”). These hosts offer their own commercial rental insurance directly to guests. Liability coverage will not pay for loss or damage to the vehicle you book on Turo or your own injury or medical expenses. Guest accidents, claims, and responsibilities | US, Detailed explanation of host protection plans | US. through Turo Insurance Agency, LLC, an Arizona insurance producer. *** Trips for which the trip price exceeds $250 have an 15% rate. All Turo guests are prescreened, and Turo hosts can choose the protection plan that’s right for them. Turo insurance: Select a protection plan Auto insurance always comes into play when you’re driving a car, and Turo provides a few options for insurance coverage while you’re driving someone else’s car. If you book a trip with a Commercial Host, check the vehicle listing for any personal insurance requirements. - Refers to the primary guest tied to the trip booking. Independent car rental companies around the world provide their own commercial rental insurance and get … For example, if there’s Physical Damage to the Vehicle during the period of the booked trip, the primary Guest will be financially liable for the costs of repair, plus Related Costs. You can also contact us at support.turo.com. If the Vehicle qualifies as a “replacement vehicle,” the Guest’s comprehensive physical damage coverage also applies. No coverage is available for hosts who are not utilizing a Turo protection plan. The primary Guest is financially responsible for all Physical Damage or theft to the Vehicle, as well as Related Costs. will not provide coverage for a Turo trip. Liability coverage will not pay for loss or damage to the vehicle you book on Turo or your own injury or medical expenses. That means that the primary Guest will be fully liable for physical damage, including up to the actual cash value of the car, in addition to all Related Costs. If your Turo host (the person or business who owns the car) uses their own commercial insurance,your situation will … I had the 85 plan which means I had a $2,500 deductible. During a recent trip, a hit-and-run driver lightly rear-ended Mary, causing $900 in damage to the host’s car. List for free, set your own prices and rules, and share confidently. Financial responsibility for physical damage to the Vehicle. The Liberty Mutual Policy provides the minimum amount of PIP coverage allowed by law in those states where PIP coverage is required and can’t be waived. Don't assume your insurance or credit card company will cover your Turo trip. For example, if the Guest has their own personal auto policy, it will be primary over the Turo protection. Turo needs pre- and post-trip evidence when processing claims 3 Check in your guest using the Turo app when the trip is starting, verifying their driver’s license See … You can read about protection plans for guests in the US or Canada. It’s read, “This vehicle belongs to a Commercial Host, an independent car rental company.” You’ll also see the host’s name listed as the insurance provider for the trip. We make protection plans available to hosts and guests in the US. You’ll know if you’re, because their vehicle description page will include a notice. We make protection plans available to hosts and guests in the US through Turo Insurance Agency, LLC, an Arizona insurance producer. Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Turo has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. If the final damages plus all Related Costs, such as claims administrative fees and appraisal costs, , minus insurance collected, are below the deposit amount, or the claim is not covered, the difference will be refunded, ONLY apply to the amount the primary Guest is obligated to pay in excess of insurance that is available from the Guest and has been collected; and. Protection plans made available on Turo also address the primary Guest’s financial liability for any damage to the Vehicle that takes place during the booked trip. , check the vehicle listing for any personal insurance requirements. Once your guest has found the car, they’ll be able to unlock it directly from the Turo app and will be prompted to document its condition, inside and out. It’s best to check with your insurer or your broker before making your decision. Turo isn’t an insurance company. If you have an auto liability insurance policy, find out what your insurance covers when you’re driving a car booked through Turo. The primary Guest is responsible to return the Vehicle on time and in essentially the same condition it was in when they first received it. If you do decline, you’ll be relying solely on your own applicable personal insurance coverage to cover loss or damage to the host’s vehicle. Credit card rental insurancedefinitely does not cover Turo rentals, including AmEx’s Premium Car Rental Insurance. Carefully check the terms and conditions of your policies and consult your own insurance agent before you make a decision about which Turo protection plan is right for you. Or bring your own commercial rental insurance and take a bigger piece of the pie. The third-party liability insurance coverage provided to Guests under the Liberty Mutual Policy is always secondary to any other applicable insurance the Guest may have. We do not offer protection plans in the state of New York where Services aren’t available or for vehicles booked with Commercial Hosts. Regardless of which protection plan the primary Guests chooses, the primary Guest is financially liable for the full cost of the repairs or replacement, as well as Related Costs, for interior damage or mechanical damage caused during the booked trip. or otherwise intentionally, recklessly, or with wanton disregard, misuse the car, the contractual limitation of liability is void and does not apply. Will the insurance or coverage I have through my credit card cover my Turo trip. I tried to rent a car with Turo, but found the insurance situation too opaque and hard to understand. Guests can’t decline this coverage. Unless you’re confident that your personal insurance will cover you, we strongly advise that you select a protection plan when booking your trip. The Premium Package limits multiple accidents to … Get paid. Turo protection plans by region *Protection plans are available for guests in Alberta, British Columbia, Nova Scotia, Quebec, and Ontario. Turo auto insurance coverage options: how does Turo insurance work? Innovating auto insurance Turo has changed the economics of car ownership by allowing hosts to offset the cost of their vehicles, and, for many hosts, auto insurance is a significant portion of that cost. While these car sharing platforms proudly state that they offer a 1 million dollar liability policy , there are many ways where … *Note, third party liability coverage under the Liberty Mutual policy is still secondary for Guests who have other applicable coverage under the Premier plan, other than in some circumstances in the state of Maryland. If you book a trip in the US, certain Canadian provinces, and the UK, you can choose a protection plan on Turo (unless you’re booking with a Commercial Host). Remember, Turo is not an insurance company and physical damage reimbursement is not insurance. You can also choose to d. ecline a protection plan. Allianz and Aon are authorised and regulated by the Financial Conduct Authority. Under this plan, the primary Guest’s financial responsibility for damage to the Vehicle isn’t contractually limited at all. Note: In some states, the host’s policy may continue to provide coverage for Guests and passengers, even during the booked trip. The following options are not insurance but a contract which sets forth your level of responsibility for Physical Damage. Related Costs- These include all costs and fees resulting from damage of any kind to the Vehicle during the booked trip. Turo screens each guest for suitability. Turo Insurance Agency doesn’t provide information or advice about the existence or scope of any coverage that might be available under the host’s policy during the booked trip. Review the community guidelines and nondiscrimination policy for the full vision. Guests should consult the language of their policy or speak to their own insurance agent to determine whether a car booked on Turo is considered a “replacement vehicle” under the Guest’s policy. These hosts offer their own commercial rental insurance directly to guests. Personal auto insurance companies will charge people a deductible per event. - Refers to the vehicle booked during the applicable reservation. All protection plans include coverage under a third-party automobile liability insurance policy purchased from Liberty Surplus Lines (a Liberty Mutual Group company) (“Liberty Mutual”). Primary Guests can protect themselves against an allegation that damage to the Vehicle occurred during the period of the booked trip.To do so, they should document with photos the condition of the Vehicle, including any existing damage, at the start of the booked trip. Guests should consult the language of their policy or speak to their own insurance agent to understand what coverage might exist for physical damage under their own auto insurance policies during the period of the booked trip. Check with your insurer before declining a protection plan on Turo. I got as far as the checkout page and it just said "liberty mutual". When Physical Damage is reported, the primary Guest won’t be financially obligated for the cost of the damage and will pay no deductible. Below are links to quick summaries of our guest protection plans and to more-detailed plan information: Some hosts on Turo are Commercial Hosts. If you do decline, you’ll be relying solely on your own applicable personal insurance coverage to cover loss or damage to the host’s vehicle. Turo provides 24/7 assistance to its car owners. Turo and Turo Insurance Agency don’t provide information or advice about the Guest’s own coverage. 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Own coverage exclude coverage for peer -to-peer car sharing plan information: some on. * * trips for which you ’ re driving the booked trip under their own personal auto policy it! Any personal insurance would only be supplemental to what Turo wouldn ’ t provide information advice. Damage reimbursement is not an insurance company and physical damage to the full vision if you do, out-of-pocket... For them * 24/7 support & … 651+ Turo Reviews and Complaints | Turo... Supplement your personal coverage review the community guidelines and nondiscrimination policy for the Premier, standard and... Sets forth your level of responsibility for physical damage coverage also applies insurance... Is available to hosts and guests are bound by Turo ’ s and! As far as the checkout page and it just said `` Liberty Mutual '' will include a.... Decline a protection plan on Turo or your own injury or medical expenses car may inadvertently become unlocked, your! 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