Whether you're sharing your vehicle as a host or renting as a guest, Aviva provides commercial auto insurance coverage during eligible Turo trips in participating provinces and territories. This coverage helps protect the vehicle while it's being delivered to a renter and during the rental period.
Turo terminology explained
Turo and Aviva may use different terminology when referring to people who participate in car sharing. To make things easier, we've outlined the key terms below.
How your automatic coverage works
If you share your vehicle through Turo, Aviva's commercial auto insurance policy helps cover your vehicle while it's being delivered to a renter and during the rental period. When you're driving your vehicle for personal use, your personal auto insurance policy applies. To participate as a host on Turo, you must maintain a valid personal auto insurance policy. You also need to confirm with your personal auto insurance representative that you're permitted to participate in Turo.
For vehicle owners
For renters
Renting through Turo
Aviva's commercial auto insurance policy helps cover your rental vehicle during the rental period.1
Coverage limits and policy documents
Select your province or territory below for details about coverage available for Turo hosts.
Important: The information on this page provides a general overview of coverage and is not a complete description of the terms, conditions, limits, deductibles or exclusions that apply. Coverage is subject to the terms and conditions of the applicable insurance policy. If there is a discrepancy between the information on this page and the policy wording, the policy wording in effect in your province or territory will prevail.
Ontario
- $2,000,000 Third Party Liability
- Mandatory Accident Benefits
- Optional Accident Benefits may be available; subject to eligibility
- Collision and Comprehensive Coverage*
- $2,000,000 OPCF 44R Family Protection Coverage
- Direct Compensation Property Damage (DCPD)*
View the commercial auto insurance policy document for Ontario
Quebec
Alberta
- $2,000,000 Third Party Liability
- Standard Accident Benefits
- Collision and Comprehensive Coverage2
- $2,000,000 SEF 44 Family Protection Coverage
Nova Scotia
Prince Edward Island
Newfoundland and Labrador
New Brunswick
Yukon
- $2,000,000 Third Party Liability
- Standard Accident Benefits
- Collision and Comprehensive Coverage2
- $2,000,000 S.E.F 44 Family Protection Coverage
What guests need to know
Guests select their own protection plan when booking a trip through Turo. Any protection chosen by the host is separate and does not impact the guest's coverage, financial responsibility, or out-of-pocket costs.
Need to make a claim?
If your vehicle is damaged during a Turo delivery or booking period, report the damage through the Turo app or at turo.com/resolutions.
Turo will review the incident and notify Aviva. Once we've received the claim details, we'll take it from there.
If you need to contact Aviva directly, our dedicated claims team can be reached at 1-866-692-8482.
Frequently asked questions
Why has Aviva partnered with Turo?
At Aviva, we're committed to helping Canadians protect what matters most with insurance solutions that evolve alongside their needs. As the sharing economy continues to grow, we're proud to support innovative services like Turo by providing insurance coverage designed for peer-to-peer vehicle sharing.
Which provinces and territories are covered by Turo's commercial policy issued by Aviva?
Turo's commercial auto insurance policy issued by Aviva provides coverage for hosts and guests participating in peer-to-peer car sharing in:
- Ontario
- Alberta
- Quebec
- Nova Scotia
- Prince Edward Island
- Newfoundland and Labrador
- New Brunswick
- Yukon
What proof of insurance should be kept in a vehicle during a Turo trip?
Hosts receive digital insurance documents from Turo that must be downloaded and printed. These documents should be kept in the vehicle and be easily accessible to guests in the event of an incident.
The following documents should be in the vehicle during a Turo trip:
- The first page of the provincial insurance certificate (provided by Turo)
- The incident information card (provided by Turo)
- Your personal proof of auto insurance
If I'm a host and a guest damages my vehicle, how do I make a claim?
If your vehicle is damaged during a Turo delivery or booking period, report the damage through the Turo app or at turo.com/resolutions.
Turo will review the incident and notify Aviva of the claim. Once we've received the claim details, we'll take it from there.
Will a Turo claim affect my personal auto insurance policy?
Before listing your vehicle on Turo, it's important to confirm with your insurance representative that participation in a peer-to-peer car-sharing marketplace is permitted under your personal auto insurance policy.
Personal auto insurance policies do not typically provide coverage while a vehicle is being rented through a platform like Turo. Coverage during the delivery and booking periods is provided under Turo's commercial policy issued by Aviva.
If a claim related to a Turo booking is charged to your personal policy, contact your insurance representative. Where applicable, Aviva can provide documentation confirming that the claim falls under the commercial policy. Please note that driving convictions or traffic violations incurred during the booking period, such as speeding tickets, may still affect your personal auto insurance record.
If I rent a vehicle through Turo, how am I covered?
During the booking period, guests are covered under Turo's commercial insurance policy issued by Aviva for third-party liability and mandatory accident benefits, up to the applicable policy limits. Coverage for damage to the rented vehicle depends on the protection plan selected when the booking is made through Turo.
If you have a personal auto insurance policy, it may be considered first in the order of payment following a claim. Some personal auto policies may extend coverage to rented or non-owned vehicles, including third-party liability and, in some cases, physical damage coverage.
Before booking a vehicle through Turo, check with your insurance representative to understand what coverage may already be available to you.
Note: Personal belongings inside the vehicle are not covered for theft, loss, or damage under Turo's commercial auto policy.
Who should I contact if I'm involved in an accident during a Turo trip?
Report the incident to Turo through the mobile app or at turo.com/resolutions as soon as possible. Information about next steps and any required documentation should be available in the vehicle. Once the incident has been reported, Turo will review the details and notify Aviva of the claim.
In an emergency, call 911 immediately.
1 The amount of coverage for damage to the rented vehicle depends on the protection package selected when booking through Turo. Third-Party Liability and Accident Benefits coverage are available up to the limits of the commercial auto insurance policy.
2 Subject to a $30,000 deductible. This deductible applies to the commercial auto insurance policy issued by Aviva to Turo. Hosts may have different deductible options available through their selected Turo protection plan. Visit Turo to learn more about vehicle protection.
The information on this page provides a general overview of coverage and is not a complete description of the terms, conditions, limits, deductibles or exclusions that apply. Coverage is subject to the terms and conditions of the applicable insurance policy. If there is a discrepancy between the information on this page and the policy wording, the policy wording in effect in your province or territory will prevail.