651+ Turo Reviews and Complaints | Is Turo Legit or Sketchy? The primary Guest is financially responsible for all Physical Damage or theft to the Vehicle, as well as Related Costs. If you do have insurance, our liability insurance provider* will supplement your personal coverage. Get paid. Hosts and Guests are bound by Turo’s election and agree to be bound by that election under the Terms of Service. The following options are not insurance but a contract which sets forth your level of responsibility for Physical Damage. We also use it to refer to any Turo authorized secondary drivers. 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. And your credit card company will not provide coverage for a Turo trip. Guests who book a trip with a protection plan do not need personal insurance coverage. 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. You earn anywhere from 65% to 90% of the fee paid by the renter. 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”). 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. You may or may not need to have personal insurance to book with these hosts. *** Trips for which the trip price exceeds $250 have an 15% rate. 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. Financial responsibility for physical damage to the Vehicle. 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. covers third party bodily injury and third party property damage resulting from an accident for which you’re liable. Personal auto insurance companies will charge people a deductible per event. 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). **Premier plan is available for trips in vehicles with a total market value of less than $25k. All Turo guests are prescreened, and Turo hosts can choose the protection plan that’s right for them. 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. 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. 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. Guests may be insured against Physical Damage to the Vehicle that occurs during the period of the booked trip under their own automobile policies. Subject to terms, conditions, and exclusions, the Liberty Mutual policy provides Guests with the following kinds of coverage. 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. Allianz and Aon are authorised and regulated by the Financial Conduct Authority. 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. 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. Review the community guidelines and nondiscrimination policy for the full vision. Primary Guests may choose from four (4) options. 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. *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. 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. 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. Independent car rental companies around the world provide their own commercial rental insurance and get … 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. 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. Guests who book a car with a protection plan. - These include all costs and fees resulting from damage of any kind to the Vehicle during the booked trip. 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. Cost and fees include but are not limited to: For the Premier, Standard, and Minimum plans, if the Guest or any of their approved secondary drivers violate the. You can read about protection plans for guests in the US or Canada. will not provide coverage for a Turo trip. in the state of New York where Services aren’t available or. You’ll know if you’re booking a trip with a Commercial Host because their vehicle description page will include a notice. It’s up to $2 million in Canada, and up to £20 million in the UK. Without an RF blocking pouch, the car may inadvertently become unlocked, compromising your car’s security. It’s read, “. Unless you’re confident that your personal insurance will cover you, we strongly advise that you select a protection plan when booking your trip. Guest primary coverage vs excess coverage. 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. 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