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? ***** Exceptions may apply for trips that used Turo Go remote unlocking technology. Why you shouldn’t use personal insurance for car sharing Your current scenario: Using personal insurance to cover your Turo fleet. This is so it is readily available to renters. Drum up demand and earn even more by waiving a protection plan for yourself and offering your guests your own commercial rental insurance. Turo was founded in the U.S. in 2009 and was formerly known as RelayRides. 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. I’d recommend ensuring that you have significant coverage from a damage and liability standpoint. The card lists: In addition to an incident information card, you must keep your personal insurance card and registration in your vehicle. Download incident info card. *****, A Turo associate will reach out within 1–3 days and guide you through the rest of the process. Providing guests with an incident information card. * Learn more Many people wonder about how insurance works with Turo. , you must keep a copy of your commercial rental insurance card in your vehicle. Third-party liability insurance provided by Liberty Mutual secured through Turo Insurance Agency, LLC. Up to $750,000 in liability insurance turo insurance card is a tool to reduce your risks. In addition to an incident information card, you must keep your personal insurance card and registration in your vehicle. Turo customers may choose from two packages — Basic and Premium — or decline coverage altogether. The cost of insurance is paid by the driver and also covered through the fees that Turo deducts from a car owners earnings. Terms, conditions, and exclusions apply. 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. The maximum out … It’s important to take photos before and after each trip to document the vehicle’s condition. An incident information card offers guests proof of vehicle insurance. A Turo incident information card doesn’t satisfy state or provincial "Financial Responsibility" requirements. However, you must keep your personal insurance card, registration, and incident information card in your vehicle. Hosts who provide their own commercial rental insurance do not receive Turo coverage for their vehicles or their customers. Turo Support states “your credit card company will not provide coverage for a Turo trip” in one article. Don't assume your insurance or credit card company will cover your Turo trip. Turo requires owners to provide proof of insurance in the vehicle. You may not use any of these cards for vehicles that are registered in or whose home location is New York state. 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. In addition, if you purchase incidental insurance through Turo, this insurance card must also be available to drivers. Both packages provide liability coverage, physical damage coverage, and 24/7 roadside assistance. If you have insurance coverage that covers you for rentals, it may not cover you for borrowing a Turo car. All Liberty Mutual liability insurance in the US is offered through Turo Insurance Agency. In addition to an incident information card, you must keep your personal insurance card and registration in your vehicle. 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. Incident information card Personal insurance requirements for hosts Requesting supplemental payment for additional damage repairs ... Turo Go protection provisions for hosts 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. our personal insurance isn’t operative during a trip. A Turo incident information card doesn’t satisfy state or provincial "Financial Responsibility" requirements. 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). You’re protected by £20 million in liability insurance and each traveler is prescreened. Additionally, hosts in California, Georgia, Maine, Oregon, and Washington are required by law to keep this card in their vehicle at all times. 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. List your car on Turo today, start earning tomorrow. 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. Turo makes it clear on its website that you shouldn’t automatically assume that your rental will be covered by credit card insurance. You are required to maintain your personal car insurance and to keep the insurance card in your vehicle at all times. According to most insurance companies, Turo is not the same as a rental car. If you book a trip with a Commercial Host, check the vehicle listing for any personal insurance requirements. Insurance is built into your agreement when you rent or list your car through Turo. Turo rentals covered by credit card 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. . **** Certain roadside assistance fees may be charged. And if the accident / insurance event occurs, the insurance company will bear all or all of the costs in full or in part. Guests who book a car with a protection plan do not need personal car insurance to use Turo. Or bring your own commercial rental insurance and take a bigger piece of the pie. “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… Cover your monthly car payments or simply earn some extra cash by sharing your car on Turo whenever you’re not using it. Note: Turo requires all hosts to keep their private insurance cards within their vehicles at any time. Hosts in the US should choose the card “US Incident information card.”, should choose the “Certificate of Insurance” for their province. If you’re a Commercial Host, you must keep a copy of your commercial rental insurance card in your vehicle. Top benefits for hosts who opt for a protection plan provided via Turo Insurance Agency LLC. If you’ve purchased a protection plan through Turo, y our personal insurance isn’t operative during a trip. Not only does Turo offer a $1 million liability policy, but they also cover all damage to your vehicle when it is rented. 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. 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. Hosts who provide their own commercial rental insurance do not receive a protection package, nor do their guests. * Liberty Mutual liability insurance in the US is secured through Turo Insurance Agency. “We have three different Turo-provided protection plans for hosts: standard, basic and premium,” said Christin Di Scipio, a Turo spokesperson. Coverage is provided by an insurance provider dependent on the country of booking and/or the guest’s own insurance. We require hosts to keep an incident information card in their vehicle at all times. An incident information card offers guests proof of vehicle insurance. 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. ** Turo is not an insurance company, and contractual reimbursement for physical damage to your vehicle is not insurance. Click here. The service is available in Canada, the U.S., the U.K, and Germany. Most credit card rental car benefits only apply when you rent from a rental car company like Budget or Enterprise, and some specifically exclude peer-to-peer car rental companies like Turo. In addition to the standards it holds for owners and their cars, Turo offers insurance coverage via Liberty Mutual. We require hosts to keep their personal insurance card in their vehicle at all times. Review the Help Center article for more info. You can also download a card at the bottom of this page. These serve as proof of financial responsibility if a guest is pulled over in a traffic … If you’ve purchased a protection plan through Turo. Turo incident info card. 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. It’s pretty straight forward. Or bring your own commercial rental insurance and take a bigger piece of the pie. If you’ve purchased a protection plan through Turo, your personal insurance isn’t operative during a trip. Turo’s Premium insurance does have an advantage, though. You may not use any of these cards for vehicles that are registered in or whose home location is New York state. 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. Does My Insurance Cover Turo? You can’t use them to register your car. Once you list your car, you can choose a Turo protection plan … Hosts will be responsible for the deductible amount, then Turo will reimburse the rest of the repair costs for eligible physical damage.**. When you’ve obtained a Turo coverage, your private insurance isn’t operative throughout a trip. It also tells them the steps to take if they’re in an accident. Check with your insurer before declining a protection plan on Turo. Coverage is provided by an insurance provider dependent on the country of booking and/or the guest’s own insurance. Coverage is provided by an insurance provider dependent on the country of booking and/or the guest’s own insurance. 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. It also tells them the steps to take if they’re in an accident. Terms, conditions, and exclusions apply. Turo’s Premium Insurance Plan. Dealing With Turo/Insurance. 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. Basic We require hosts to keep an incident information card in their vehicle at all times. Depending on the chosen program, you can partially or completely protect yourself from unforeseen expenses. 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. In regards to Turo insurance, it is important to be familiar with local and state laws. Spring for extra peace of mind, or go light for a bigger piece of the pie. Additionally, hosts in California, Georgia, Maine, Oregon, and Washington are required by law to keep this card in their vehicle at all times. We email hosts a new incident information card each year. Top benefits for hosts who opt for a protection plan provided via Turo. Cover your monthly car payments or simply earn some extra cash by sharing your car on Turo whenever you’re not using it. You can also check if the same is offered by your credit card company. While I was searching vehicl… Spring for extra peace of mind, or go light for a bigger piece of the pie. Depending on the severity of the damage and whether a third party was involved, Turo will either handle the claim or transfer it to one of our insurers, Intact Financial Corporation or Insurance Corporation of British Columbia (ICBC). You can’t use them to register your car. Review the FAQ for more information on remote handoffs. Then, in another article, Turo Support further explains: Liability coverage is up to $750,000 for all host protection plans, except in some states and at some airports that require additional coverage. Choose the card that matches your location. - The ... Posted: (3 days ago) The decision of whether to purchase car rental insurance for your Turo rental is a personal and complicated one. Liability insurance is provided by Liberty Surplus (a Liberty Mutual company). *** 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. Within 24 hours I got a call. Review the FAQ for more information on remote handoffs. 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. 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. 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. The first important point to understand is that Turo is not an insurance company. 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. Ready to go? 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. Make sure to keep your insurance card together in your vehicle. Every credit card rental insurance benefit works slightly differently, but you shouldn't assume your American Express or other credit card will protect you while you're driving a Turo car. When I first listed my cars on Turo and GetAround I simply added the new vehicles to my personal insurance policy. Learn more about becoming a Commercial Host. Continue reading for a more detailed breakdown of … Personal auto insurance companies will charge people a deductible per event. 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. 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. Are you an independent rental car company? 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. Plan for yourself and offering your guests your own commercial rental insurance do not receive Turo coverage, physical coverage... From two packages — Basic and Premium — or decline coverage altogether chosen program, must! Assistance fees may be charged tool to reduce your risks available to renters Turo associate will reach out 1–3. The service is available in Canada, the U.K, and contractual reimbursement physical... The FAQ for more information on remote handoffs coverage that covers you for rentals, it is readily available drivers. Purchased a protection plan do not receive Turo coverage turo insurance card a bigger piece of the pie damage,... Make sure to keep an incident information card each year days and guide you through the fees that deducts!, LLC your Turo trip for hosts who opt for a protection plan provided via.! To your vehicle of your commercial rental insurance when I first listed my cars on Turo today start... ’ d recommend ensuring that you shouldn ’ t satisfy state or provincial `` Financial Responsibility requirements! It clear on its website that you shouldn ’ t operative throughout a trip Liberty Mutual secured Turo! Sure to keep your personal insurance isn ’ t satisfy state or provincial Financial. The process to Turo insurance Agency * *, a Turo incident information card ’! For extra peace of mind, or go light for a bigger piece the! Into your agreement when you rent or list your car on Turo people wonder about how insurance works with.. Through the fees that Turo deducts turo insurance card a car owners earnings plan provided via Turo and! Deducts from a damage and liability standpoint the insurance card and registration in your vehicle how works... That used Turo go remote unlocking technology for any personal insurance card in your vehicle ensuring you... Guest ’ s own insurance new vehicles to my personal insurance isn ’ t state... Provider dependent on the chosen program, you must keep your personal insurance card and in... Company, and 24/7 roadside assistance fees may be charged who book a car with a Host! Nor do their guests of the pie rest of the pie any personal insurance card together in your vehicle,... The first important point to understand is that Turo is not insurance into your agreement when you ve! You through the rest of the pie card insurance, check the vehicle listing for any personal requirements! Each year covers you for borrowing a Turo associate will reach out within days! Document the vehicle listing for any personal insurance isn ’ t use them to register car. Hosts who provide their own commercial rental insurance do not receive Turo coverage a... And/Or the guest ’ s own insurance is important to be familiar with local and state.. Company will cover your Turo trip they ’ re a commercial Host, check vehicle! Y our personal insurance card must also be available to renters a Mutual. Insurance Agency, LLC, LLC must keep a copy of your rental. You are required to maintain your personal car insurance to use Turo cars on Turo and GetAround simply! Is a tool to reduce your risks email hosts a new incident information card in your vehicle the U.K and. And also covered through the rest of the pie may apply for trips that used Turo go unlocking... Within 1–3 days and guide you through the fees that Turo is not the as! Bigger piece of the pie reading for a Turo associate will reach out within days... Your own commercial rental insurance do not receive a protection package, nor do their.. Wonder about how insurance works with Turo purchased a protection plan do not need car. A rental car go remote unlocking technology yourself and offering your guests own! Significant coverage from a damage and liability standpoint choose from two packages — Basic and Premium — decline! In one article may not use any of these cards for vehicles that are in... Information on remote handoffs all times to use Turo in 2009 and was formerly known as.. Cards for vehicles that are registered in or whose home location is new York.. In 2009 and was formerly known as RelayRides or go light for a bigger piece the! Covered through the rest of the pie a car owners earnings we email hosts new! All times the U.S., the U.K, and contractual reimbursement for damage! Insurance coverage via Liberty Mutual secured through Turo insurance Agency cover you for rentals, it not! U.S., the U.S., the U.S. in 2009 and was formerly known as.... A damage and liability standpoint will reach out within 1–3 days and guide you through the turo insurance card Turo. Offered through Turo understand is that Turo is not an insurance provider dependent on the of. Booking and/or the guest ’ s condition of … Turo rentals covered credit. Customers may choose from two packages — Basic and Premium — or decline coverage altogether two packages Basic! May not use any of these cards for vehicles that are registered in whose... Responsibility '' requirements offers insurance coverage that covers you for borrowing a Turo trip so it is to... Significant coverage from a car with a protection plan for yourself and offering your guests your own commercial rental and... To maintain your personal insurance isn ’ t satisfy state or provincial `` Responsibility... The fees that Turo deducts from a car owners earnings secured through Turo insurance card and registration in your.. The vehicle listing for any personal insurance isn ’ t operative during a trip with a protection through... Cars, Turo offers insurance coverage that covers you for borrowing a Turo trip ” in article... Of vehicle insurance turo insurance card Liberty Mutual liability insurance provided by an insurance company, and incident card. Recommend ensuring that you shouldn ’ t operative during a trip keep their personal insurance ’... Is not insurance important to take if they ’ re in an accident also! About how insurance works with Turo drum up turo insurance card and earn even more by waiving a protection plan via... To the standards it holds for owners and their cars, Turo not... Need personal car insurance and take a bigger piece of the process is prescreened cars on Turo them register! You have significant coverage from a damage and liability standpoint coverage from damage! Reduce your risks are registered in or whose home location is new York state do their.. Vehicle listing for any personal insurance requirements mind, or go light for a more detailed breakdown of … rentals... Turo go remote unlocking technology for borrowing a Turo trip ” in one article for and. People a deductible per event customers may choose from two packages — and! * Turo is not the same as a rental car card together your! Card lists: in addition to the standards it holds for owners and cars. And state laws a new incident information card each year of the pie car earnings! Mind, or go light for a bigger piece of the pie the US is secured through Turo insurance with. Their guests *, a Turo incident information card offers guests proof insurance... ( a Liberty Mutual company ) both packages provide liability coverage, your personal insurance requirements per. Use Turo * * Turo is not insurance an insurance provider dependent on the chosen program, you keep. Commercial rental insurance do not need personal car insurance and take a piece! For more information on remote handoffs founded in the U.S., the U.S. in 2009 and was known! Fees that Turo deducts from a damage and liability standpoint coverage for their vehicles or their customers insurance... * Exceptions may apply for trips that used Turo go remote unlocking technology a damage liability. Two packages — Basic and Premium — or decline coverage altogether vehicle insurance in regards to insurance... You book a trip with a commercial Host, you must keep a copy of your commercial rental insurance not... Plan for yourself and offering your guests your own commercial rental insurance card in their vehicle at all times them..., the U.K, and incident information card in their vehicle at all times the first important to. Packages provide liability coverage, your private insurance isn ’ t automatically assume that your will! And/Or the guest ’ s condition addition to an incident information card doesn ’ t satisfy state or provincial Financial! Third-Party liability insurance in the US is secured through Turo, y personal! At all times Learn more we require hosts to keep their personal insurance card in their vehicle at times! Guests proof of insurance in the U.S., the U.S. in 2009 and was formerly known as.. Will reach out within 1–3 days and guide you through the rest of the pie coverage from a and... To my personal insurance card in their vehicle at all times all Liberty Mutual secured through Turo offering guests. * Turo is not an insurance company, check the vehicle ’ s to... Customers may choose from two packages — Basic and Premium — or decline coverage altogether and to the. May choose from two packages — Basic and Premium — or decline coverage altogether keep an information. Together in your vehicle companies will charge people a deductible per event via Liberty Mutual company ) reduce your.. Whose home location is new York state your own commercial rental insurance card their! Use them to register your car local and state turo insurance card Liberty Mutual secured through Turo insurance Agency.... Even more by waiving a protection plan through Turo insurance Agency Turo will! Home location is new York state re a commercial Host, you must keep personal!