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Off-Trip Car Share Insurance for Turo Hosts

Protect your rental fleet with liability and damage coverage designed for the gaps Turo’s host protection plan doesn't cover.

  • No fleet minimums: 1+ vehicles covered

  • Personal Use: Up to 125 miles included

  • Fleet discounts: unlocked at 4+ and 10+ vehicles

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What is Car Share Insurance?

Car share insurance (off-trip or Period X) coverage is specialized commercial auto insurance designed for peer-to-peer car sharing hosts. It provides liability and damage protection for vehicles when they are not actively rented on platforms like Turo,  including during maintenance runs, vehicle detailing, empty delivery trips, and personal use.

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How INSHUR Car Share Insurance Complements Turo Protection

Coverage by phase: Turo Host Protection Plan, Personal Auto Policy and INSHUR Car Share Insurance
Feature / Coverage Phase Turo Host Protection Plan Personal Auto Policy INSHUR Car Share Insurance
Active Renter Trip Covered by Turo Excluded Handled by Turo
Maintenance & Service Runs Not Covered Typically Excluded Fully Covered
Empty Vehicle Delivery Not Covered Typically Excluded Fully Covered
Personal Use Allowance Not Covered Risks Cancellation Covered (Up to 125 miles)
Active Renter Trip INSHUR: Handled by Turo
Turo Host Protection Plan
Covered by Turo
Personal Auto Policy
Excluded
INSHUR Car Share Insurance
Handled by Turo
Maintenance & Service Runs INSHUR: Fully Covered
Turo Host Protection Plan
Not Covered
Personal Auto Policy
Typically Excluded
INSHUR Car Share Insurance
Fully Covered
Empty Vehicle Delivery INSHUR: Fully Covered
Turo Host Protection Plan
Not Covered
Personal Auto Policy
Typically Excluded
INSHUR Car Share Insurance
Fully Covered
Personal Use Allowance INSHUR: Covered (Up to 50%)
Turo Host Protection Plan
Not Covered
Personal Auto Policy
Risks Cancellation
INSHUR Car Share Insurance
Covered (Up to 50%)
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Why do I need Car Share Insurance?

When one of your vehicles is listed on Turo but isn't on an active trip, it may not be protected against damage claims under your personal auto insurance or the Turo Protection Plans. 

That's why we've partnered with Turo to provide seamless off-rental insurance, ensuring you are covered 24/7 as a Turo host.

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Understanding Insurance Gaps in Peer-to-Peer Car Sharing

Managing a Turo fleet means navigating three distinct operational phases. Knowing where coverage starts and stops is critical for protecting your investment:

  1. Phase 1

    Active Trip (Renter Driving)

    When a guest has checked in and is actively renting your car, protection is provided via your chosen Turo host protection plan.

    Covered by your Turo host protection plan

  2. The coverage gap

    Phase 2 (Period X)

    Off-Trip & Operations (In-Between Rentals)

    When the car is sitting in your lot, being cleaned, serviced, or delivered to a guest, Turo protection does not apply. Personal auto policies will decline claims if they discover the car is listed on a sharing platform. INSHUR Car Share Insurance provides primary protection during this critical window.

    Covered by INSHUR Car Share Insurance

  3. Phase 3

    Personal Driving

    INSHUR permits up to 125 miles per month personal usage, allowing fleet managers and hosts to legitimately use their vehicles for daily needs under a commercial policy umbrella.

    Covered by INSHUR (up to 125 miles)

Get Covered in 3 Simple Steps:

  1. Click 'Get a quote': Create an INSHUR account. 
  2. Enter your details online: We’ll provide your quote in 24 hours (usually within an hour).
  3. Get Your Cards: Instantly download your digital insurance ID cards and drive with total peace of mind.

Once your account is active, connect an approved tracking device within 60-days. Our approved devices are PassTime GPS, OneStep GPS, Bouncie, MooveTrax, Zubie, TrackmateGPS, and Trackhawk GPS. You can mix and match across your fleet.

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Easy, Online Customer Portal

We offer a fully digitized experience for carshare and fleet owners, with real-time telematics monitoring, so you can manage your coverage anytime, anywhere. 

  • 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 approved systems and telematics devices to enhance operational efficiency
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Key Features Of INSHUR Car Share Insurance Coverage:

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Personal use included

INSHUR provides coverage for your vehicles with built-in personal use of up to 125miles, which other providers don’t offer.

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Discounts for Fleets

The more you grow, the more you save. With INSHUR, you get cheaper insurance coverage as soon as you add your second vehicle.

 

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Easy Fleet Management

Add or remove vehicles with ease from your Dashboard, while INSHUR handles your DMV and Lienholder submissions.

Which States Offer Off-Trip Car Share Insurance?

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

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Select your state:

Why choose INSHUR?

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Expertise

Our experienced team understands fleet owners' unique needs and provides tailored insurance solutions.

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Reliability

Join thousands of satisfied customers who trust INSHUR to protect their vehicles and businesses, and we're here for you when you need support. 

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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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Off-Trip Car Share Insurance For Turo Hosts That Meets State Requirements

Our Off-Trip Car Share 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 Turo, Off-Trip Car Share Insurance is a comprehensive insurance solution that bridges the coverage gap 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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What our customers say

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Turo Inc. provides data access and platform connectivity only and is not an insurance carrier or agency. Off-trip policies are provided solely by INSHUR Inc.

Frequently asked questions (FAQs)

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