Do You Need Personal Insurance to Rent on Turo?
Nope! You don't need your own insurance to rent a car on Turo. Every trip comes with liability insurance or legal liability protection (depending on where you are), covering any injury or property damage you might cause to someone else. But keep in mind, this doesn't cover any damage to the car you're renting.
If you want extra protection, Turo has protection plans you can buy to help cover costs if the car gets damaged.
How Do Turo’s Protection Plans Work?
Turo’s protection plans help cut down your costs if the car gets damaged while you're using it. Here’s what you should know:
In the US, Canada, and Australia, if you’ve got your own insurance, Turo will use that first.
If you don’t have insurance, the protection plan you pick will decide how much you’ll need to pay.
In the UK, you’ll need to buy a protection plan when you book.
What Happens If There’s Damage to the Car?
If something gets damaged during your trip, Turo will look into it to figure out the costs. Here's how it works:
Damage Deposit: Turo might charge you a deposit based on your protection plan and how bad the damage is.
Repair Assessment: They figure out how much it'll cost to fix or replace the car.
Applying the Protection Plan: Your costs are limited based on the plan you picked.
If you have personal insurance, Turo will first try to get the damage costs covered by your insurer. Whatever's left will be covered by your chosen protection plan.
Here’s how it works in real life:
Jeff rented a car and purchased the Minimum Protection Plan, which limited his personal responsibility to $3,000.
During his trip, vandals broke into the car and caused $2,050 in damages.
Jeff’s personal insurance covered $900 of the damages but required him to pay a $1,000 deductible.
Turo applied Jeff’s $500 damage deposit to the total, leaving him with a final balance of $650.
In short:Total Damage ($2,050) – Insurance Payment ($900) = $1,150 owed. Jeff’s $500 deposit reduces this to $650 final payment.
Key Takeaways
You don’t need personal insurance to rent on Turo, but having it can reduce your costs.
Turo’s protection plans limit how much you’ll owe in case of damage.
Always confirm what your personal insurance covers, and consider purchasing a protection plan for added peace of mind.
Ready to hit the road stress-free? With our seamless car rental service, you’ll enjoy reliable SUVs, no long lines, and personalized support. Book your rental with us today and experience hassle-free travel from start to finish!
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