Period X™ Carshare Insurance

Total commercial protection for carshare fleet owners and solo hosts.

Full coverage from $40 per month, per car, after deposit & device cost. Fleet-level discounts available at 4+ and 10+ cars.

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What is Period X™ Carshare Insurance?

Period X™ is a specialized commercial auto insurance policy designed to cover peer-to-peer (P2P) vehicles during off-rental periods (cleaning, maintenance, delivery, and personal use). 

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24/7 Carshare Protection: Eliminating the Off-Rental Insurance Gap

When you list a vehicle on peer-to-peer (P2P) platforms like Turo, Getaround, or HyreCar, your personal car insurance policy will not cover you. Personal insurers view carsharing as a commercial activity and will deny claims—even if the car is damaged while sitting empty in your driveway, while being driven to a mechanic, or while being washed between trips.

Period X™ is your primary commercial shield, keeping your fleet fully protected 24/7 during non-rental gaps (Period X). 

Here is exactly how INSHUR keeps you covered across the phases of your carsharing business:

How it works

  1. Get a Digital Quote: Under 5 minutes.

    Enter your driver records and vehicle identification numbers (VINs) online to bind your Period X™ base policy instantly.

  2. Connect Your Telematics Device: Compatible with Bouncie, Zubie, MooveTrax, & more. 

    Plug an approved OBD-II tracking device into your car. This tracks your 250-mile monthly off-rental allowance and keeps premiums low.

  3. Protected Between Bookings: 24/7 Shield. 

    Your car is immediately covered by primary commercial liability. You can now cancel your expensive personal auto policy. 

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What Carshare Platforms does Period X™ cover?

Yes. Period X™ is fully compatible with all major P2P platforms, including Turo, Getaround, and HyreCar, protecting your vehicle during the critical gaps when platform insurance is inactive. 

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Turo

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HyreCar

Easy, online PeriodXTM customer portal

We offer a fully digitized experience for carshare and fleet owners, using real-time monitoring through telematics, so you can manage your coverage whenever and wherever you want. 

  • Modern, customer-friendly portal: A versatile platform for policy quotes, binding, self-management, and fleet reporting, designed to simplify the commercial auto experience

  • For individuals and fleet managers: Tailored features for both individual policyholders and fleet managers, providing seamless control over policies and vehicles

  • Developed in-house for commercial auto: Purpose-built for the commercial auto market, ensuring deep alignment with industry needs
  • Seamless integration: Easily integrates with existing systems and telematics devices to enhance operational efficiency
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Key features of our PeriodXTM  insurance coverage:

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Continuous Coverage

Stay compliant with state regulations by maintaining 24/7 insurance coverage, even during non-rental periods.

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Fleet Management Dashboard

Effortlessly manage your fleet with our intuitive online platform, allowing you to add or remove vehicles and drivers at any time.

 

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Advanced GPS & Mileage Tracking

Utilize our integrated GPS tracking to monitor vehicle locations and mileage, ensuring optimal fleet oversight.

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Instant Notifications 

Receive real-time alerts for device disconnections, mileage thresholds, geofencing breaches, maintenance schedules, and billing reminders.

Which states is Period X™ available in?

We offer coverage across the United States. Select your state to find out more.

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Select your state:

Why choose PeriodXTM?

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Expertise

In Partnership with ABI, we have over 35 years of experience, we understand the unique needs of fleet owners and provide tailored insurance solutions.

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Reliability

Join thousands of satisfied customers who trust INSHUR to protect their vehicles and businesses.

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Compliance

Our policies meet or exceed state insurance requirements across nearly all states, giving you peace of mind.

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Period X™ insurance that meets state requirements

Did you know that you need insurance coverage 24/7, even when your vehicle isn’t being rented? That’s where our innovative Period X™ rental fleet insurance platform comes in.

Our Period X™ Insurance policy not only meets but often exceeds the minimum state requirements in nearly all 50 states, ensuring you stay compliant and protected at all times.

Designed specifically for fleets rented out on Peer-to-Peer (P2P) platforms like Turo, HyreCar, and Getaround, Period X™ is a comprehensive insurance solution that bridges the gap in coverage when your vehicles aren’t actively rented.

Unlike traditional P2P platforms, which typically provide insurance only during rentals, our one-of-a-kind product offers unmatched protection during non-rental periods, keeping your vehicles covered 24/7. 

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Frequently asked questions (FAQs)

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