Peer-to-peer car rentals like Turo offer protection plans that cover physical damage to vehicles and liability up to $750,000 in key options such as the 60 Plan. Base rentals often include minimal liability of $10K-30K and excesses around €1,000-2,000, so renters might pay upfront for repairs like a €1,200 bumper scrape before any reimbursement. Common exclusions cover tires, glass, and undercarriage damage, even with 20-50% markups on insurance add-ons. In 2026, Turo streamlined its offerings from five protection plans to three--60, 75, and 90--starting January 7. These changes align host earnings with trip risk, given lower incident rates for trips of three days or longer. UK hosts will see automatic updates from March 31.
These policies allow hosts to maximize earnings, such as over 90% in the 90 Plan, while limiting liability exposure. Renters benefit from greater clarity, helping them avoid unexpected costs tied to excesses or exclusions.
Understanding Rental Damage Coverage and Liability Basics
Baseline protections in peer-to-peer rentals handle physical damage to the rented vehicle and third-party liability, yet gaps persist. Base rentals carry minimal liability from $10K-30K, leaving hosts and renters exposed to further risks.
Excesses, or deductibles, usually range between €1,000-2,000. Take a €1,200 bumper scrape repair with a €1,500 excess: the renter pays the full excess upfront, then files a claim for possible reimbursement. This setup reveals frequent coverage shortcomings.
Misconceptions add to the challenge--41% of customers assume loss damage waivers cover all liabilities, but these often expose users to excesses and specific exclusions. Grasping these fundamentals helps avoid claim surprises.
Turo Protection Plans: From 5 Options to 3 Simplified Choices in 2026
Turo's protection plans strike a balance between host earnings and coverage for physical damage and liability. Before 2026, hosts picked from five options. From January 7, 2026, Turo shifted to three streamlined plans--the 60, 75, and 90--to better match earnings with trip risk, as outlined in Turo's 2026 marketplace updates.
The 60 Plan delivers up to $750,000 in liability coverage plus physical damage protection. The 75 Plan keeps $750,000 liability while giving hosts 75% earnings. The 90 Plan trades some coverage for host earnings over 90% of the total trip price.
Longer trips of three days or more show lower incident rates, supporting higher-earnings plans. In the UK, protection plans update automatically on March 31, 2026, for trips booked on or after that date, with hosts able to choose options like the More Earnings plan, per Turo UK hosting updates.
Common Exclusions and Excesses in Rental Damage Policies
Rental damage policies frequently exclude certain damage types, resulting in out-of-pocket expenses despite add-ons. Tires, glass, and undercarriage damage typically fall outside standard coverage. Rental companies charge 20-50% markups on insurance, but these exclusions remain.
Excesses heighten the financial impact, with renters often covering €1,000-2,000 upfront. For a €1,200 repair with a €1,500 excess, the renter handles the excess first, then pursues reimbursement. This pay-now-claim-later process emphasizes reviewing exclusions ahead of time.
How to Choose the Right Protection Plan for Your Rental Risks
Hosts and renters need to balance liability requirements with earnings goals and trip specifics. Turo's 60 Plan fits high-risk situations, with its $750,000 liability limit and full physical damage coverage--suitable for short trips or pricier vehicles.
The 75 Plan pairs $750,000 liability with 75% host earnings, offering equilibrium for moderate risk and income. Low-risk rentals, such as trips of three days or longer with fewer incidents, work well with the 90 Plan's over 90% host earnings at reduced coverage.
Across plans, factor in excesses (€1,000-2,000 typical) and exclusions (tires, glass, undercarriage). Protection-focused hosts may prefer the 60; earnings-driven ones opt for 75 or 90. Account for trip duration and regional updates, like the UK's March 31 changes, to align with actual risks.
Turo Protection Plans Comparison Table
| Plan | Liability | Host Earnings | Suited For | 2026 Notes |
|---|---|---|---|---|
| 60 | $750,000 | 60% | High liability needs, short trips | Part of Jan 7 simplification to 3 plans |
| 75 | $750,000 | 75% | Balanced risk and earnings | Aligns earnings with trip risk |
| 90 | Reduced | >90% | Low-risk, longer trips (3+ days) | Lower incidents for extended rentals; UK auto-update March 31 |
FAQ
What do Turo's 60, 75, and 90 protection plans cover for physical damage?
These plans cover physical damage to the rental vehicle, with the 60 Plan offering comprehensive protection alongside $750,000 liability. The 75 Plan provides similar liability with 75% host earnings, while the 90 Plan reduces coverage for over 90% earnings.
What are typical excesses in rental car damage claims?
Excesses range from €1,000-2,000, requiring upfront payment for repairs--like a €1,200 bumper scrape with a €1,500 excess--followed by a reimbursement claim.
What damage types are excluded from most rental insurance?
Common exclusions include tires, glass, and undercarriage damage, even with 20-50% insurance markups.
How did Turo update its protection plans in 2026?
On January 7, 2026, Turo reduced from five plans to three (60/75/90) to align earnings with risk. UK updates occur automatically on March 31 for new bookings.
Do longer rental trips (3+ days) affect damage policy risks?
Yes, trips of three days or longer have lower incident rates, supporting higher-earnings plans like the 90.
What's the liability limit in Turo's main protection plans?
The 60 and 75 Plans provide $750,000 liability coverage.
Review your next rental's protection options against trip details, and document any pre-existing damage to streamline claims.