What insurance do I need for Turo?

You don't need personal insurance coverage if you book a trip with a protection plan made available via Turo. If you do have insurance, our liability insurance provider* will supplement your personal coverage. Depending on the protection plan you select, liability coverage is up to $750,000 in the US.

How Turo’s Insurance Works: Renters Fault Host Pays

Does Turo come with liability insurance?

All Turo hosts choose the protection plan that's right for them, and every host plan comes standard with $750,000* in third-party liability insurance from Travelers.

What happens if someone hits your Turo car?

If Turo is involved in processing a contractual reimbursement claim for physical damage to the host's vehicle, we'll charge you an initial deposit. Depending on your plan, the deposit amount will be between $0–$3,000. If you paid a security deposit for your trip, we'll apply that deposit toward this cost.

Do I need full coverage to list my car on Turo?

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.

Is insurance included with Turo?

Does Turo include car insurance? No — for both hosts and renters, Turo does not automatically provide insurance coverage. Hosts and renters are given three protection plans to choose from or can decline coverage if they have their own applicable commercial or personal auto policies.

What kind of insurance do you need for Turo?

You don't need personal insurance coverage if you book a trip with a protection plan made available via Turo. If you do have insurance, our liability insurance provider* will supplement your personal coverage. Depending on the protection plan you select, liability coverage is up to $750,000 in the US.

What happens if you crash a car on Turo?

If you have an accident as a Turo renter, you must report the accident immediately – at least within 24 hours of the trip's end or date of the incident. You must also file a police report and provide the report number to Turo. If you don't, you may not be eligible for compensation.

Can you get sued on Turo?

You could sue Turo if the owner lied about the defects present on a car and you were involved in an accident because the pre-existing damage. You may also be able to sue if there are warrants for the car and you are arrested or left stranded because of a repossession.

Always Read the Fine Print on Turo!

How does Turo handle damage claims?

Turo will investigate to verify that the damage occurred during the trip and that it is eligible damage. If it is, you're responsible for the damage and related costs, regardless of whether you caused the damage.

Can you get sued on Turo?

You could sue Turo if the owner lied about the defects present on a car and you were involved in an accident because the pre-existing damage. You may also be able to sue if there are warrants for the car and you are arrested or left stranded because of a repossession.

Does Turo require full coverage?

You don't need personal insurance coverage if you book a trip with a protection plan made available via Turo. If you do have insurance, our liability insurance provider* will supplement your personal coverage. Depending on the protection plan you select, liability coverage is up to $750,000 in the US.

Host Tips | How insurance works on Turo

What makes you not eligible for Turo?

Requirements with regard to age, license, identification, and communication differ by region. If you don't meet the eligibility requirements in your area, you'll be unable to book a car. Check the age requirements for the car you're trying to book. You must meet established age requirements to book certain vehicles.

WHAT INSURANCE SHOULD I USE TURO

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