However coverage on turo formerly known as relayrides works differently from typical car insurance and you have a few options for how much coverage you buy. If you book a trip with a commercial host check the vehicle listing for any personal insurance requirements.
How Insurance Works When You Rent Out Your Car On Turo
Guests who book a car with a protection plan do not need personal car insurance to use turo.
Turo car insurance. What should i do. Third party liability insurance provided by liberty mutual secured through turo insurance agency llc share your car with confidence all turo hosts choose the protection plan thats right for them and every host plan comes standard with up to 750000 in third party liability insurance from liberty mutual. Cover your monthly car payments or simply earn some extra cash by sharing your car on turo whenever youre not using it.
See all 9 articles. Turo is not the same as a rental car. 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.
The decision of whether to purchase car rental insurance for your turo rental is a personal and complicated one. The amount of coverage will vary depending on how much risk you are willing to self insure using savings or an emergency fund. Share your car earn extra cash.
Car insurance is required for everyone who uses the turo rental car platformthat includes hosts as well as guests renting the car. Ill be honest i was so excited to rent a car and get on the road that i didnt spend nearly as much time thinking about insurance and protection as i should have. According to most insurance companies turo is not the same as a rental carif you have insurance coverage that covers you for rentals it may not cover you for borrowing a turo carlikewise if you have insurance available for rental cars from your credit card company it likely wont apply to borrowing a car on turo.
Check with your insurer before declining a protection plan on turo. Youre protected by 20 million in liability insurance and each traveler is prescreened. I returned the car and the host didnt mention any problem but now im being told that there was damage to the car.
The premium insurance as we said covers you for 1000000 liability. As well as physical damage up to 125000 for the value of the car. Id recommend ensuring that you have significant coverage from a damage and liability standpoint.
Or bring your own commercial rental insurance and take a bigger piece of the pie. Here is the break down for the premium insurance offered to you by turo from liberty mutual insurance. Auto insurance always comes into play when youre driving a car and turo provides a few options for insurance coverage while youre driving someone elses car.
Dont assume your insurance or credit card company will cover your turo trip.
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