How Tint helps Turo empower hosts and unlock growth with compliant and tailored off-trip insurance.
$951
avg. annual savings per vehicle
10+
approved telematics providers
A-rated
carrier backing in U.S. & Canada
The challenge
The insurance gap every host hits.
Turo hosts face a complex insurance dilemma. Personal auto policies aren't designed for business use, and traditional commercial policies are often cost-prohibitive or misaligned with the way hosts use their vehicles. As hosts grow the number of vehicles on Turo's platform, many find themselves out of options — and out of compliance.
When Turo set out to find a partner that could offer embedded insurance, they aimed high, seeking a custom-built solution that could meet the nuanced needs of their growing host base. Within the first year, the program delivered impressive results: industry-leading loss ratios, industry-leading premium growth, and multiple enhancements driven directly by host feedback.
"Unique product development, fast iterations to meet consumer needs, and better pricing are hallmarks of good embedded insurance."
Matheus Riolfi
Co-founder & CEO, Tint
What changed
Why off-trip insurance
Why off-trip insurance makes sense for hosts.
Turo hosts with multiple vehicles operate like businesses. When it comes to insurance, they are often stuck between a rock and a hard place. Personal policies, designed for the average consumer, can quickly become limiting for a growing host. Commercial fleet policies can be far more cost-intensive and include coverages that don't make sense for their Turo business.
Tint's off-trip insurance makes it possible for professional hosts to:
Beyond that, hosts gained peace of mind. With a program aligned with their business needs and goals, they no longer had to worry about unknowingly violating underwriting rules or being denied coverage.
"Start with bold vision. Trust your partner to execute, but ensure they build on user feedback."
Kimaya Cole
Strategic Partnerships, Turo
The result
Growth driven by embedded innovation.
By embedding insurance directly into the Turo platform and leveraging host data for underwriting, the resulting program delivers real savings while keeping hosts compliant. The program is now available across 48 U.S. states and Canada, with localized coverage for each market.
The collaboration between Tint and Turo created a ripple effect across the Turo ecosystem. Lower insurance costs empowered hosts to add more vehicles to the platform. Easier onboarding drove Turo's platform supply. Better coverage reduced risk for both Turo and its users.
Hosts operating with the off-trip insurance program save an average of $951 per vehicle per year compared to personal insurance alternatives — and grow their fleets with confidence.
"This collaboration amplified our lender network and helps hosts grow vehicles on platform while reducing risk."
Eric Hoelzen
Head of Insurance, Turo
The partnership
Finding the right partner — for you and your customers.
Initially, Tint stood out for the level of customization. While plug-and-play embedded insurance is compelling for many, the Turo team wanted a step beyond that — a program custom-tailored to the needs of their hosts. Tint was able to deliver.
Tint's shared vision and cross-functional investment across legal, marketing, data, claims, and more has given the Turo team continued confidence in the ability to grow the program. "Tint isn't a one-size-fits-all partner. Their willingness to invest across functions has helped us improve host satisfaction and drive revenue growth, while reducing our hosts' insurance-related pain points." — Kimaya Cole, Strategic Partnerships, Turo
"With strong early results and clear product-market fit, both teams are already exploring new ways to expand and evolve the program — guided by one principle: build for the host."
Ready to build your own embedded insurance program?