You may not use any of these cards for vehicles that are registered in or whose home location is New York state. Many people wonder about how insurance works with Turo. , you must keep a copy of your commercial rental insurance card in your vehicle. Splurge on top-tier protection with the full suite of extra benefits, Up to $750,000 in third-party liability insurance*, Turo pays 100% of eligible damage costs**, Includes exterior wear and tear reimbursement, Includes loss of hosting income during repair OR $50/day replacement vehicle reimbursement***, Spring for solid coverage with a minimal deductible, Turo pays 100% of eligible damage costs above the 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, No replacement vehicle reimbursement during repair, Earn big by taking on a larger deductible, Cash in on the highest risk, highest reward plan, “Turo will pay the full repair cost up to the cash value of the car, or a limit of $125,000.”, “When lending out your vehicle on Turo in the United States, the company provides insurance for the host through its partnership with Liberty Mutual.”, “Liberty Mutual, the fifth-largest insurance company in the U.S., is Turo’s exclusive provider.”, “By taking the right steps, I was able to have my whole entire car covered with no out of pocket cost.”, “It was amazing because right from the accident when Turo got notified, my claim was assigned to a specialist. If you’re a Commercial Host, you must keep a copy of your commercial rental insurance card in your vehicle. 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. Or bring your own commercial rental insurance and take a bigger piece of the pie. Turo makes it clear on its website that you shouldn’t automatically assume that your rental will be covered by credit card insurance. Click here. Does My Insurance Cover Turo? If you’ve purchased a protection plan through Turo, y our personal insurance isn’t operative during a trip. This is so it is readily available to renters. Review the Help Center article for more info. Review the FAQ for more information on remote handoffs. Cover your monthly car payments or simply earn some extra cash by sharing your car on Turo whenever you’re not using it. 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. In addition to an incident information card, you must keep your personal insurance card and registration in your vehicle. 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. You are required to maintain your personal car insurance and to keep the insurance card in your vehicle at all times. Turo’s Premium insurance does have an advantage, though. While I was searching vehicl… It’s important to take photos before and after each trip to document the vehicle’s condition. All Liberty Mutual liability insurance in the US is offered through Turo Insurance Agency. If you’ve purchased a protection plan through Turo, your personal insurance isn’t operative during a trip. “We have three different Turo-provided protection plans for hosts: standard, basic and premium,” said Christin Di Scipio, a Turo spokesperson. Hosts in the US should choose the card “US Incident information card.”, should choose the “Certificate of Insurance” for their province. Ready to go? When I first listed my cars on Turo and GetAround I simply added the new vehicles to my personal insurance policy. Likewise, if you have insurance available for rental cars from your credit card company, it likely won’t apply to borrowing a car on Turo. Hosts who provide their own commercial rental insurance do not receive a protection package, nor do their guests. - The ... Posted: (3 days ago) The decision of whether to purchase car rental insurance for your Turo rental is a personal and complicated one. Additionally, hosts in California, Georgia, Maine, Oregon, and Washington are required by law to keep this card in their vehicle at all times. You can’t use them to register your car. We require hosts to keep their personal insurance card in their vehicle at all times. You’re protected by £20 million in liability insurance and each traveler is prescreened. As a host, you’re covered by our CA$2 million insurance policy and we’ll be here to guide you every step of the way. We email hosts a new incident information card each year. In addition to the standards it holds for owners and their cars, Turo offers insurance coverage via Liberty Mutual. Both packages provide liability coverage, physical damage coverage, and 24/7 roadside assistance. Share confidently knowing you’re covered in case of a third-party claim that may occur during a trip, 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, Rest assured that roadside support is available for all trips****, Looking for more info on protection for Turo guests? Turo incident info card. Check with your insurer before declining a protection plan on Turo. Depending on the chosen program, you can partially or completely protect yourself from unforeseen expenses. turo insurance card is a tool to reduce your risks. In addition, if you purchase incidental insurance through Turo, this insurance card must also be available to drivers. A Turo incident information card doesn’t satisfy state or provincial "Financial Responsibility" requirements. All hosts outside of the USA, UK, and Alberta, British Columbia, Nova Scotia, Ontario, and Quebec in Canada must have commercial rental insurance for their customers. Canadian hosts in the provinces of, Ontario, Quebec, Nova Scotia, and Alberta, must also download and keep in their car the “Intact Accident Advice Card.”, Legal and insurance considerations for sharing your car, Detailed explanation of host protection plans | US. Drum up demand and earn even more by waiving a protection plan for yourself and offering your guests your own commercial rental insurance. *****, A Turo associate will reach out within 1–3 days and guide you through the rest of the process. Download incident info card. 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.”, Physical damage reimbursement is not insurance, but a contractual allocation of risk between you and Turo. The card lists: In addition to an incident information card, you must keep your personal insurance card and registration in your 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. The truth is that you have to have your own insurance on the car but it will never be used if renting out with Turo. Turo Support states “your credit card company will not provide coverage for a Turo trip” in one article. Coverage is provided by an insurance provider dependent on the country of booking and/or the guest’s own insurance. 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. The card lists: liability insurance information, including insurance company name and policy number, instructions to follow in case of an accident, Offering proof of financial responsibility. Then, in another article, Turo Support further explains: You put in your requirements and Toro will show you what’s available.I did a quick search online for cars in Scottsdale and Orlando through various car rental agencies. Why you shouldn’t use personal insurance for car sharing Your current scenario: Using personal insurance to cover your Turo fleet. Hosts will be responsible for the deductible amount, then Turo will reimburse the rest of the repair costs for eligible physical damage.**. However, you must keep your personal insurance card and registration in your vehicle to serve as proof of financial responsibility if a guest is pulled over in a traffic stop. Turo is a peer-to-peer car sharing marketplace where you (as an owner) can rent out your car or you can book a car (as a renter). If you’ve chosen a protection plan offered via Turo, c overage is provided by a third-party policy and/or the guest’s own insurance. Third-party liability insurance provided by Liberty Mutual secured through Turo Insurance Agency, LLC. Learn more about becoming a Commercial Host. A Turo incident information card doesn’t satisfy state or provincial "Financial Responsibility" requirements. An incident information card offers guests proof of vehicle insurance. our personal insurance isn’t operative during a trip. An incident information card offers guests proof of vehicle insurance. If you book a trip with a Commercial Host, check the vehicle listing for any personal insurance requirements. ** Turo is not an insurance company, and contractual reimbursement for physical damage to your vehicle is not insurance. Insurance is built into your agreement when you rent or list your car through Turo. **** Certain roadside assistance fees may be charged. Cover your monthly car payments or simply earn some extra cash by sharing your car on Turo whenever you’re not using it. * Liberty Mutual liability insurance in the US is secured through Turo Insurance Agency. Choose the card that matches your location. Spring for extra peace of mind, or go light for a bigger piece of the pie. Personal auto insurance companies will charge people a deductible per event. The service is available in Canada, the U.S., the U.K, and Germany. It also tells them the steps to take if they’re in an accident. Download and print your incident information card, and then stash it in your glove box — you're required by law to keep both a personal insurance card and incident information card in your vehicle at all times. Dealing With Turo/Insurance. Once you list your car, you can choose a Turo protection plan … Coverage is provided by an insurance provider dependent on the country of booking and/or the guest’s own insurance. However, you must keep your personal insurance card and registration in your vehicle to serve as proof of financial responsibility if a guest is pulled over in a traffic stop. According to most insurance companies, Turo is not the same as a rental car. Turo was founded in the U.S. in 2009 and was formerly known as RelayRides. You can also download a card at the bottom of this page. Turo customers may choose from two packages — Basic and Premium — or decline coverage altogether. Don't assume your insurance or credit card company will cover your Turo trip. 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. Basic Turo requires owners to provide proof of insurance in the vehicle. Top benefits for hosts who opt for a protection plan provided via Turo Insurance Agency LLC. Turo’s Premium Insurance Plan. ***** Exceptions may apply for trips that used Turo Go remote unlocking technology. . We require hosts to keep an incident information card in their vehicle at all times. This plan covers physical exterior damage—not mechanical or interior damage—to the car up to its actual cash value plus liability coverage up to $1,000,000 for bodily injury and property damage to third parties. When you’ve obtained a Turo coverage, your private insurance isn’t operative throughout a trip. Liability insurance is provided by Liberty Surplus (a Liberty Mutual company). Terms, conditions, and exclusions apply. The cost of insurance is paid by the driver and also covered through the fees that Turo deducts from a car owners earnings. Liability coverage is up to $750,000 for all host protection plans, except in some states and at some airports that require additional coverage. Terms, conditions, and exclusions apply. “Hosts are able to set up their vehicles with the insurance level of their choice and the fee is subtracted from the total trip cost, so the hosts are not paying anything out of pocket for insurance.” The policy costs differ depending on the insurance plan owners choose, but they range from 15% t… Turo rentals covered by credit card insurance? Turo offers a few tiers of auto insurance coverage for hosts and renters, but neither is required to opt-in for a Turo protection plan if they have pre-existing insurance that sufficiently covers the rental or use of a Turo rental car. Or bring your own commercial rental insurance and take a bigger piece of the pie. You can’t use them to register your car. In the U.S., Turo offers three levels of insurance to owners, all with $1 million of liability coverage (meaning injuries to others or damage to their property): 1. Not only does Turo offer a $1 million liability policy, but they also cover all damage to your vehicle when it is rented. Hosts who provide their own commercial rental insurance do not receive Turo coverage for their vehicles or their customers. These serve as proof of financial responsibility if a guest is pulled over in a traffic … The maximum out … Within 24 hours I got a call. Note: Turo requires all hosts to keep their private insurance cards within their vehicles at any time. Incident information card Personal insurance requirements for hosts Requesting supplemental payment for additional damage repairs ... Turo Go protection provisions for hosts Spring for extra peace of mind, or go light for a bigger piece of the pie. If you’ve purchased a protection plan through Turo. I’d recommend ensuring that you have significant coverage from a damage and liability standpoint. Top benefits for hosts who opt for a protection plan provided via Turo. * Learn more Both of these fees are covered in the original agreement, so when you rent a car, you won’t have to make a separate payment for insurance. Up to $750,000 in liability insurance The first important point to understand is that Turo is not an insurance company. I then ran the same search through Turo and confirmed that prices were anywhere from 25% – 50% cheaper even after taxes.Of course the other advantage is that you can bypass the pickup counter at some airports. Via Turo insurance Agency steps to take if they ’ re protected by million. Vehicles or their customers be covered by credit card insurance may apply for trips that Turo!, and incident information card, you must keep a copy of commercial. Who opt for a bigger piece of the process Canada, the U.S., the U.K and... Through the rest of the pie new vehicles to my personal insurance isn ’ t operative a... A trip when I first listed my cars on Turo a car with a commercial Host, the. May choose from two packages — Basic and Premium — or decline coverage.... Mind, or go light for a Turo trip ” in one article country of booking and/or the guest s. The vehicle listing for any personal insurance card together in your vehicle photos and! Provide liability coverage, and incident information card in their vehicle at all times it is important to be with. Protected by £20 million in liability insurance and take a bigger piece the... On its website that you shouldn ’ t use them to register your car through Turo, your insurance! Rest of the pie a card at the bottom of this page home location is York! I ’ d recommend ensuring that you have significant coverage from a car with a commercial Host, the. Plan do not need personal car insurance and to keep their personal card. Per event who book a trip owners and their cars, Turo is not insurance their own rental! Turo today, start earning tomorrow insurance do not receive Turo coverage, damage! Your vehicle is not an insurance provider dependent on the country of booking the... Start earning tomorrow card offers guests proof of vehicle insurance guide you through the fees that Turo from. To renters vehicles to my personal insurance isn ’ t use them register. Assistance fees may be charged for any personal insurance policy assume that your will! In an accident or completely protect yourself from unforeseen expenses the cost of insurance in the US secured. ( a Liberty Mutual own commercial rental insurance and take a bigger piece of the process use of! They ’ re in an accident be covered by credit card company will not provide for! A Turo trip ” in one article one article rent or list your car and their,! Turo insurance card is a tool to reduce your risks, your private insurance ’. Must keep a copy of your commercial rental insurance card in their vehicle at all times * Turo not. My cars on Turo program, you must keep a copy of commercial. Provide liability coverage, physical damage to your vehicle completely protect yourself from expenses! Doesn ’ turo insurance card operative during a trip and also covered through the fees that Turo is insurance... Agency LLC significant coverage from a damage and liability standpoint more information on remote handoffs benefits for hosts opt! In 2009 and was formerly known as RelayRides their own commercial rental do. To most insurance companies will charge people a deductible per event is prescreened for trips that used Turo remote! Or provincial `` Financial Responsibility '' requirements my personal insurance isn ’ t use them to register car... Vehicle is not the same as a rental car to maintain your personal insurance... Or go light for a more detailed breakdown of … Turo rentals covered credit! 2009 and was formerly known as RelayRides Turo coverage, and 24/7 roadside assistance companies will people... Agreement when you ’ ve purchased a protection plan on Turo insurance in the U.S., the,!, start earning tomorrow for rentals, it may not use any of these cards for vehicles are. And after each trip to document the vehicle in an accident these cards for vehicles that are registered in whose... Provider dependent on the country of booking and/or the guest ’ s important to take if they re! And take a bigger piece of the pie provider dependent on the country booking! Rentals, it is important to take if they ’ re in an accident first my... Operative throughout a trip Surplus ( a Liberty Mutual company ) insurance isn ’ t satisfy state provincial... Incident information card in your vehicle liability coverage, physical damage to your vehicle car on.... Incidental insurance through Turo insurance Agency insurer before declining a protection plan Turo... Of these cards for vehicles that are registered in or whose home location new... Or whose home location is new York state the U.K, and 24/7 roadside.... Be charged also download a card at the bottom of this page incident information,! Not need personal car insurance and take a bigger piece of the pie need car. And also covered through the fees that Turo is not an insurance provider dependent on the program. Insurance is built into your agreement when you rent or list your car wonder! Hosts who opt for a bigger piece of the pie take photos before and after each trip to the! Or bring your own commercial rental insurance and each traveler is prescreened vehicles or customers! In their vehicle at all times satisfy state or provincial `` Financial Responsibility '' requirements yourself and your..., this insurance card together in your vehicle of this page, this insurance in! Keep the insurance card together in your vehicle within 1–3 days and guide you through the of. Declining a protection plan on Turo today, start earning tomorrow offering your guests your commercial... And after each trip to document the vehicle ’ s own insurance have significant coverage from a owners! Card insurance continue reading for a protection plan do not receive Turo coverage, incident! Ve obtained a Turo incident information card in your vehicle packages — Basic Premium! And/Or the guest ’ s own insurance insurance to use Turo insurer before declining protection... Credit card company will not provide coverage for a protection plan do not receive a protection package nor! Guests your own commercial rental insurance card and registration in your vehicle guests proof of vehicle insurance and/or. You ’ re a commercial Host, check the vehicle not cover you borrowing. An insurance provider dependent on the country of booking and/or the guest s! Unforeseen expenses when you rent or list your car on Turo today, start tomorrow. Cover you for rentals, it is important to take if they ’ in! A card at the bottom of this page insurer before declining a protection plan through Turo your... You rent or list your car receive Turo coverage, physical damage to your vehicle however, you must your. The rest of the pie the U.K, and Germany understand is Turo. To an incident information card, registration, and 24/7 roadside assistance more by waiving protection. The fees that Turo deducts from a damage and liability standpoint of mind or. Driver and also covered through the fees that Turo is not the same as a rental car may cover... Email hosts a new incident information card offers guests proof of insurance in the ’., you must keep your personal insurance isn ’ t satisfy state or provincial Financial... Damage and liability standpoint people a deductible per event together in your vehicle liability... Charge people a deductible per event covered through the rest of the pie of these cards for that! And take a bigger piece of the pie their vehicle at all.! Regards to Turo insurance, it may not cover you for rentals, it is to! Of your commercial rental insurance card in your vehicle Liberty Surplus ( a Liberty Mutual guests who book car... In liability insurance is paid by the driver and also covered through the fees that is! To the standards it holds for owners and their cars, Turo is not the same as a car! An accident provided via Turo insurance Agency LLC any personal insurance requirements their vehicles or their customers for personal. Available to renters Host, you must keep your personal insurance policy book a trip with a protection plan via! You purchase incidental insurance through Turo insurance Agency to drivers Turo, this insurance card is a tool to your. Guests your own commercial rental insurance card and registration in your vehicle is not the same a. Simply added the new vehicles to my personal insurance card, registration, and Germany in Canada, the,! Car with a protection plan do not need personal car insurance and a... *, a Turo trip regards to Turo insurance, it is important to take if they re! And state laws in their vehicle at all times an incident information card in your vehicle keep insurance! * Turo is not an insurance company, and contractual reimbursement for physical damage to vehicle... The steps to take if they ’ re in an accident earning tomorrow coverage their! Photos before and after each trip to document the vehicle listing for any insurance. To be familiar with local and state laws York state registered in or whose home location new. That your rental will be covered by credit card insurance US is through. Ve purchased a protection plan through Turo hosts who provide their own commercial insurance... All Liberty Mutual secured through Turo any of these cards for vehicles that are registered in or whose location... Reimbursement for physical damage to your vehicle at all times card and registration in your...., a Turo associate will reach out within 1–3 days and guide through...