Choosing a protection plan | Australia guests

The guest protection plans offer discretionary protection (protection) issued by Turo Travels Mutual Limited (the Mutual). The plans are offered and distributed on behalf of the Mutual by Turo Australia Pty Ltd and Turo Inc., both authorised representatives of Picnic Licensing Pty Ltd (AFSL No 532540).

Discretionary risk protection is not insurance. The Board of the Mutual has absolute discretion to accept or reject a member’s claim. The Board will exercise its discretion fairly and consistently, and with all due consideration to the merits and circumstances of each claim and the terms and conditions set out in the Guest PDS.

How much a protection plan costs depends on a variety of factors, including the plan you choose when booking a trip. Refer to the Guest PDS for more information. The more a plan costs, the less you’re responsible for paying in the event there’s damage caused to the host’s vehicle during your trip. We’ll show the cost of the plan you choose as a separate line item on the checkout screen.

All protection plans include protection for theft, loss, or damage to a host’s vehicle, provided by Turo Travels Mutual. Protection from Turo Travels Mutual is secondary to any insurance coverage that you may have. Terms, conditions, and exclusions apply to all protection plans. 

• Plan cost is 50% of trip price
• $0 deductible – no out-of-pocket costs for vehicle damage or theft
• Protection for legal liability for damage to other people’s property of A$20,000,000
• Doesn’t include protection for mechanical or interior damage to host’s vehicle

Note: Premier plan is unavailable for trips booked fewer than two days in advance, trips shorter than three days, or trips in vehicles with a total market value of more than $55,000.

• Plan cost is 30% of trip price
• $500 deductible – max out-of-pocket cost for vehicle damage or theft
• Protection for legal liability for damage to other people’s property of A$20,000,000
• Doesn’t include protection for mechanical or interior damage to host’s vehicle

• Plan cost is 10% of trip price
• $1,500 deductible – max out-of-pocket cost for vehicle damage or theft
• Protection for legal liability for damage to other people’s property of A$20,000,000
• Doesn’t include protection for mechanical or interior damage to host’s vehicle

• If you decline protection, you’re responsible for any physical damage to or theft of the vehicle regardless of who’s at fault — costs could be up to $200,000.  
• You only have legal liability protection, which protects third party property but not the vehicle you’re driving or your responsibility for it during your trip. 

Note: For all plans, $2 of your trip fee goes toward your membership contribution for liability protection.

Tip: Consider purchasing protection for peace of mind — you’re likely not covered by your personal insurance or credit card for trips booked on Turo.