Turo rental insurance coverage through credit cards
Jul 21, 2018, 9:41 pm
#1
Original Poster
Join Date: Jul 2018
Location: Chicago
Posts: 1
Turo rental insurance coverage through credit cards
As someone who rents cars often, I've been curious about using Turo (it's like Airbnb for cars). I didn't know if premium travel credit card insurance would apply.
Barclaycard Arrival* World Elite Mastercard: Yes! The benefits administrator told me Turo is covered as long as all other conditions of the benefit are met - mainly declining the optional Turo insurance. Some cars are excluded (big vans, pickups, exotics). The Tesla 3 is covered, all other Teslas are not.
Chase Sapphire Reserve: this is a clear NO. I called and they said there is an exclusion that specifically names Turo, Getaround and other similar car sharing services
So your mileage may vary - best to call your card and find out.
Barclaycard Arrival* World Elite Mastercard: Yes! The benefits administrator told me Turo is covered as long as all other conditions of the benefit are met - mainly declining the optional Turo insurance. Some cars are excluded (big vans, pickups, exotics). The Tesla 3 is covered, all other Teslas are not.
Chase Sapphire Reserve: this is a clear NO. I called and they said there is an exclusion that specifically names Turo, Getaround and other similar car sharing services
So your mileage may vary - best to call your card and find out.
Jul 25, 2018, 11:12 am
#2
Join Date: Jan 2017
Location: ANC
Programs: AS (75K+ miles flown) | Marriott Rewards | MLife Sapphire | Identity Silver | Hertz Gold Plus |
Posts: 209
As someone who rents cars often, I've been curious about using Turo (it's like Airbnb for cars). I didn't know if premium travel credit card insurance would apply.
Barclaycard Arrival* World Elite Mastercard: Yes! The benefits administrator told me Turo is covered as long as all other conditions of the benefit are met - mainly declining the optional Turo insurance. Some cars are excluded (big vans, pickups, exotics). The Tesla 3 is covered, all other Teslas are not.
Chase Sapphire Reserve: this is a clear NO. I called and they said there is an exclusion that specifically names Turo, Getaround and other similar car sharing services
So your mileage may vary - best to call your card and find out.
Barclaycard Arrival* World Elite Mastercard: Yes! The benefits administrator told me Turo is covered as long as all other conditions of the benefit are met - mainly declining the optional Turo insurance. Some cars are excluded (big vans, pickups, exotics). The Tesla 3 is covered, all other Teslas are not.
Chase Sapphire Reserve: this is a clear NO. I called and they said there is an exclusion that specifically names Turo, Getaround and other similar car sharing services
So your mileage may vary - best to call your card and find out.
Sep 24, 2018, 9:41 am
#3
Join Date: Sep 2018
Posts: 1
Obviously, all programs might be slightly different but in my experience, Credit Card Car Rental insurance DOES NOT AND WILL NOT cover Turo rentals. As I understand it, neither CC Rental Insurance not commercial business insurance will cover "car share" arrangement. I have not made a claim with my personal car insurance to know if they would have covered it.
They weasel their way out of protecting you by defining Turo as a "car share" service, and NOT a "rental" agency. It's crap.
The language from when Amex rejected my claim:
R
They weasel their way out of protecting you by defining Turo as a "car share" service, and NOT a "rental" agency. It's crap.
The language from when Amex rejected my claim:
We have completed our investigation of the claim and after careful consideration; we must respectfully deny your claim.
The Description of Coverage states:
Car Rental Loss and Damage Insurance provides Authorized Driver(s) with insurance coverage for Damage to or Theft of most Rental Vehicles when the Card Member uses the Card to pay for the Entire Rental from any Rental Company. Damage to or Theft of a Rental Vehicle coverage is always secondary to any other insurance.
Rental Company means a commercial car rental agency that is licensed under the laws of the applicable jurisdiction and whose primary business is renting private passenger automobiles. A Rental Company does not include a moving van rental company or any business which may incidentally rent an automobile to a customer, such as an auto dealership or auto body repair shop or vehicle sharing service arrangements which allow independent owners to rent personal vehicles.
You remain responsible to settle with the car rental company
Hope this helps someone else avoid the heartbreak and financial catastrophe that I have had.The Description of Coverage states:
Car Rental Loss and Damage Insurance provides Authorized Driver(s) with insurance coverage for Damage to or Theft of most Rental Vehicles when the Card Member uses the Card to pay for the Entire Rental from any Rental Company. Damage to or Theft of a Rental Vehicle coverage is always secondary to any other insurance.
Rental Company means a commercial car rental agency that is licensed under the laws of the applicable jurisdiction and whose primary business is renting private passenger automobiles. A Rental Company does not include a moving van rental company or any business which may incidentally rent an automobile to a customer, such as an auto dealership or auto body repair shop or vehicle sharing service arrangements which allow independent owners to rent personal vehicles.
You remain responsible to settle with the car rental company
R
Dec 23, 2018, 2:34 am
#4
Join Date: Sep 2009
Programs: United, SPG
Posts: 294
I've used it many times without issue. It is way better than car agency in my opinion. For the price you would pay at a normal agency say like $50 a day, you can get a way better car from Turo like a hybrid or more luxurious car. Also if you are in a city like SF, you can get the car in the city as opposed to the airport. Although they do also have airport rentals. I don't think credit card car insurance covers Turo, just a FYI.
Dec 26, 2018, 11:16 am
#5
Join Date: Jul 2006
Location: NYC
Programs: DL PM, Marriott Gold, Hertz PC, National Exec
Posts: 6,736
That "crap" is exactly the argument Turo has been making about why they shouldn't be regulated like, and pay the same taxes and fees as, a regular rental agency. Can't have it both ways.
Dec 28, 2018, 6:10 pm
#6
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
That said, good to know that Chase won't cover Turo rentals. I should check the CDW coverage at some point on my Diners Club MC (which is also primary) to see if it's the same.
Dec 29, 2018, 12:09 pm
#7
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
As someone who rents cars often, I've been curious about using Turo (it's like Airbnb for cars). I didn't know if premium travel credit card insurance would apply.
Barclaycard Arrival* World Elite Mastercard: Yes! The benefits administrator told me Turo is covered as long as all other conditions of the benefit are met - mainly declining the optional Turo insurance. Some cars are excluded (big vans, pickups, exotics). The Tesla 3 is covered, all other Teslas are not.
Chase Sapphire Reserve: this is a clear NO. I called and they said there is an exclusion that specifically names Turo, Getaround and other similar car sharing services
So your mileage may vary - best to call your card and find out.
Barclaycard Arrival* World Elite Mastercard: Yes! The benefits administrator told me Turo is covered as long as all other conditions of the benefit are met - mainly declining the optional Turo insurance. Some cars are excluded (big vans, pickups, exotics). The Tesla 3 is covered, all other Teslas are not.
Chase Sapphire Reserve: this is a clear NO. I called and they said there is an exclusion that specifically names Turo, Getaround and other similar car sharing services
So your mileage may vary - best to call your card and find out.
Also, I looked at the Diners Club guide and there isn't anything specific about Turo either. However, they do have the following which could give them an out depending on how "rental agency" is defined (emphasis mine):
Rental agreement means the entire agreement or contract that you receive when renting a vehicle from a vehicle rental agency that describes in full all of the terms and conditions of the rental, as well as the responsibility of all parties under the rental agreement