Protection plans | UK guests

Turo has arranged its motor insurance coverage with Aioi Nissay Dowa Insurance UK Ltd., via its broker Aon UK Ltd., both authorised and regulated by the Financial Conduct Authority. Protection plans address financial responsibility for damage to a host’s vehicle and Additional Services (like Roadside Assistance). Guest responsibility for damage to a host’s vehicle is not insurance but an agreement between the guest and Turo. 

• Guest - Refers to the primary guest tied to the trip booking. We also use it to refer to any Turo authorized secondary drivers. 
• Physical Damage - Any damage to the Vehicle, including Mechanical Damage and Interior Damage. 
• Related Costs- These include all costs and fees resulting from damage of any kind to the Vehicle during the booked trip. Cost and fees include but are not limited to:
  • estimation or appraisal costs
  • storage fees
  • towing fees
  • repair or replacement costs
  • registration or transfer taxes
  • claims processing costs and all similar or associated costs, minus any residual salvage value that's collected
• Vehicle - Refers to the vehicle booked during the applicable reservation.

Learn more about liability insurance for guests.

Protection plans made available on Turo address the primary Guest’s financial liability for any damage to the Vehicle that takes place during the booked trip. 

• The primary Guest is responsible to return the Vehicle on time and in essentially the same condition it was in when they first received it. 
• The primary Guest is financially responsible for all Physical Damage or theft to the Vehicle, as well as Related Costs. The primary Guest is financially responsible regardless of who is found to be at fault for the damage. 
  • Claims processing costs vary but are typically up to £250 per claim. If a third party accepts total fault for the claim and that third party’s insurer processes it on behalf of the host without substantial processing by Turo’s third-party claims management vendor, we’ll refund the Guest the claims processing fee.
• 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.
• As another example, if there’s Physical Damage to the Vehicle that results in it being a total loss, then the primary Guest will be financially liable for the actual cash value of the Vehicle, plus Related Costs, minus the salvage value, if any.

Mechanical or Interior Damage. The contractual limitation of financial responsibility available under the Premier, Standard, and Minimum plans doesn’t apply to damage caused to the interior of the Vehicle or mechanical damage caused during the booked trip, not normal “wear and tear”. (Note that wear and tear does not include cracked glass or chipped glass caused by rocks or other debris.) Regardless of which protection plan the primary Guests chooses, the primary Guest is financially liable for the full cost of the repairs or replacement, as well as Related Costs, for interior damage or mechanical damage caused during the booked trip.

Primary Guests can protect themselves against an allegation that damage to the Vehicle occurred during the period of the booked trip. To do so, they should document with photos the condition of the Vehicle, including any existing damage, at the start of the booked trip. They should upload the photos to Trip Photos at the start of the trip.

Primary Guests can contractually limit the amount that they’re legally obligated to pay out of their own pocket in the event there’s Physical Damage to the booked car. This is not insurance but an agreement on the allocation of financial responsibility. Primary Guests may choose from three (3) options.

1. Premier plan:  Under the Premier plan, the amount of excess that the primary Guest is liable to pay for Physical Damage (other than Mechanical or Interior Damage) to the reserved car during the reservation, plus Related Costs, is contractually limited to £250 for physical damage to your host’s vehicle. The cost is 80% of the trip price.
2. Standard plan: Under the Standard plan, the amount of excess that the primary Guest is liable to pay for Physical Damage (other than Mechanical or Interior Damage) to the reserved car during the reservation, plus Related Costs, is contractually limited to £750 for physical damage to your host’s vehicle. When damage is reported, the primary Guest will be charged the full £750. If the costs of the damage, plus all Related Costs, minus insurance collected, are less than £750, the difference will be refunded. The cost is 30% of the trip price.
3. Minimum plan: Under this plan, the amount of excess that the primary Guest is liable to pay for Physical Damage (other than Mechanical or Interior Damage) to the reserved car during the reservation, plus Related Costs, is contractually limited to £2,000 for physical damage to your host’s vehicle. When damage is reported, the primary Guest will be charged the full £2,000. If the costs of the damage, plus all Related Costs, minus insurance collected, are less than £2,000, the difference will be refunded. The cost is 5% of the trip price or £10 per day, whichever is greater.

The contractual limitation of liability included in the Premier, Standard, and Minimum protection plans:

• only apply if the primary Guest and each approved secondary driver abides by the Terms and Conditions;
• only apply to the amount the primary Guest is obligated to pay in excess of insurance that is available and has been collected; and
• only apply to Physical Damage that is not Mechanical or Interior Damage.

If you have questions about selecting among these options, please consult your insurance professional. You can also contact us at help.turo.com.

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. Get more information about credit card coverage. 

For the Premier, Standard, and Minimum plans, if the Guest or any of their approved secondary drivers violate the Terms of Service, engages in any Prohibited uses or otherwise intentionally, recklessly, or with wanton disregard, misuse the car, the contractual limitation of liability is void and does not apply. That means that the primary Guest will be fully liable for Physical Damage, including up to the actual cash value of the car, in addition to all Related Costs.