How does insurance work?

We understand that sharing your car can be a big decision. One of the ways we protect you is by obtaining a $1 million liability insurance policy that protects you against lawsuits for injuries and property damage that occur during the rental period.* In addition, you’ll be protected against certain “comprehensive” and “collision” losses that occur during the rental period, depending on the owner protection plan you've chosen. For “acts of nature”, we will provide protection that will match whatever your pre-existing comprehensive insurance coverage would be. More details on the plans are available in this article, and you can also learn more about what happens if you need to report a claim in this article.

So, if something unfortunate does happen while your car is being rented, we believe your insurance policy should not be touched.

*If you opt to decline a Turo protection package and instead insure your vehicle and traveler with your own commercial rental liability insurance, you will not be covered under Turo’s liability, comprehensive, or collision insurance, in which case your commercial insurance will likely be affected if a traveler gets into an accident. We recommend that you speak with your insurance

agent prior to declining Turo insurance. For more information on owner-provided insurance, click here.


Canadian Owners

Please click here for more information about the insurance policy protecting your car, provided by our Insurance partner, Intact.

If you are a rental car company who has declined a Turo protection package in order to offer your own rental insurance coverage to renters, neither Turo nor its insurance partner is responsible for any damage or claim that arises from a trip.



Owners in other countries:

Commercial rental car companies can use Turo by providing their own rental insurance directly to travelers. These companies must offer their customers no less than the required minimum insurance (liability and/or physical damage) in the region in which the rental is taking place. This option is only available to those companies who have obtained commercial rental insurance. Most commercial policies would likely exclude rentals, so this option will virtually always be available only to rental car companies who use the Turo marketplace. Owners who choose to provide their own commercial insurance and qualify will keep 90% of the trip price; however, the amount of coverage and support that Turo can provide is limited.

Category: Auto Insurance

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