What is Turo Insurance?

Turo is a peer-to-peer car sharing marketplace that allows travelers to rent cars from local owners. With Turo, you can rent cars for a low cost in cities across the United States and Canada. But does Turo insure your car?

The simple answer is yes, Turo does insure your car. Turo provides a liability insurance policy that covers you and your vehicle when you are renting it out on the platform. The policy is provided by Liberty Mutual and covers up to $1 million in damages. The insurance also includes protection for physical damage to the car, so if the renter causes any damage to your car, you won't have to pay out of pocket.

What Does the Insurance Cover?

The Turo insurance policy covers a variety of different scenarios, such as:

Damage or loss to the vehicle caused by a renter
Damage or loss to other people's property
Bodily injury or death to other people
Damage caused by uninsured drivers
Damage due to fire, theft, or vandalism
Legal fees associated with any of the above scenarios

In addition, Turo also provides optional protection plans that provide increased coverage and deductible reimbursement in case of an accident.

What Does the Insurance Not Cover?

Despite the extensive coverage provided by the Turo policy, there are some scenarios that are not covered. These include:

Damage caused by intentional acts by the renter
Damage caused by racing or off-roading
Damage caused by any illegal activities
Damage caused by mechanical or electrical breakdowns
Damage caused by the renter's negligence
Damage caused by any pre-existing condition

In addition, the Turo policy does not cover the cost of towing and rental car expenses in the event of an accident.

Conclusion

Turo does insure your car when renting it out on their platform. The policy covers up to $1 million in damages and includes protection for physical damage to the car. However, it does not cover any damage caused by intentional acts, illegal activities, or negligence. Additionally, it does not cover towing and rental car expenses in the event of an accident.