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