Coverage guide
Real protection that keeps you earning.
From the first breakdown to the final repair, Mechanical Coverage is designed around how Turo hosts actually run their business — with 1,000+ covered parts, trip interruption, and 24/7 roadside support built in.
Built for hosts
Everything you need. Nothing you don't.
Six reasons hosts choose Mechanical Coverage — built into every plan from day one.
Parts covered
Comprehensive protection across engine, transmission, drivetrain, brakes, electrical, HVAC, and more — depending on your plan.
Trip interruption
Up to 3 days of lodging and meal reimbursement when you're stranded 150+ miles from home during a covered breakdown.
Use your own mechanic
Pick your trusted certified shop. We handle payment directly — so repairs stay simple and stress-free.
Prior authorization is required — please see terms and conditions for details.
24/7 roadside assistance
Towing, jump-starts, flat tire changes, lockouts, and fuel delivery — up to $125 per occurrence. Included with every plan.
Quick and easy claims
File online or by phone. Get a fast review and clear communication at every step, so you can get back to hosting.
30-day free cancellation
Cancel within 30 days for a full refund if no claims have been filed. Prorated refunds available after that.
What's covered
Three plans. Know exactly what each one covers.
Plans build on each other — each higher tier includes everything in the tier below, plus more. Premium is exclusionary coverage, meaning all parts are covered except a specific list of exclusions.
Tap a plan to see what's covered
Core drivetrain
Powertrain + major systems
All parts except specific exclusions
Coverage documentation
Every component. Every exclusion. One document.
A detailed breakdown of all covered parts, common exclusions, and how the three plans compare — formatted for easy reference.
What's in and what's out.
What Mechanical Coverage pays for
- Mechanical breakdowns of covered components, based on your plan tier
- Repairs up to your policy's coverage limit (up to the value of the vehicle)
- Labor, parts, and fluids for approved repairs at your certified shop of choice
- 24/7 roadside assistance — up to $125 per occurrence, $500 aggregate
- Trip interruption — up to $100/day for 3 days when 150+ mi from home
- Rental reimbursement — up to $30/day for 5 days on covered repairs
- Emergency repairs up to $500 without prior approval outside business hours
Common exclusions
- Routine maintenance — oil changes, tune-ups, filters, brake pads, wiper blades, and wear items
- Damage from misuse, neglect, or continued operation after a breakdown
- Non-factory modifications — lifts over 6", lowering kits, performance tuners, emissions deletions
- Commercial misuse — taxi, rideshare, racing, or off-road use
- Salvage or branded-title vehicles
- Pre-existing conditions or items repaired during the waiting period
- External damage — weather, flood, fire, collision, vandalism
- Cosmetic items — paint, upholstery, trim, glass, body panels, exhaust
- Items covered by manufacturer warranty or a safety recall
Key details
The fine print, made readable.
Waiting period
30 days & 1,000 mi
Both must be met before mechanical coverage starts. Roadside is active from day one.
Deductible
$100 · $250 · $500
Three flexible options. Roadside assistance always has a $0 deductible.
Coverage area
47 US states
Available in all US states except California, Florida, or Massachusetts.
Vehicle eligibility
MY 2014+, <150k mi
Listed on Turo, non-exotic. Checked at time of purchase.
A quick note on how coverage starts, ends, and transfers
Coverage begins after the 30-day and 1,000-mile waiting period. It ends when either the selected term or mileage limit is reached — whichever comes first. Keep manufacturer-recommended maintenance records: they're required if you file a claim. If you sell your vehicle, coverage can transfer to the new owner within 30 days of sale for a $50 fee.
FAQ
Common questions
Does every plan cover the same parts?
No. Powertrain covers the core drivetrain — engine, transmission, transfer case, and drive axle internals. Plus adds major systems like A/C, electrical, fuel, suspension, steering, and brakes. Premium is exclusionary — all vehicle parts are covered except a specific list of exclusions, and it also adds hybrid and EV battery coverage.
Does coverage last for the full number of years no matter what?
No. Your coverage ends when either the selected term is reached or the selected mileage limit is reached — whichever happens first.
Are maintenance items covered?
No. Routine maintenance — oil changes, tune-ups, filters, brake pads, and similar service items — is generally excluded.
Are all vehicles eligible?
No. Vehicles must be model year 2014 or newer, have under 150,000 miles at enrollment, be non-exotic, and be listed on Turo. Eligibility is verified at time of purchase.
Can I buy roadside assistance by itself?
No. Roadside assistance is only available bundled with a Mechanical Coverage plan and is active for as long as the plan is active. It has no waiting period — you can use it from day one.
Can I pick my own mechanic?
Yes. Select any certified mechanic you trust. We coordinate directly with the shop on payment for approved repairs, so you don't have to pay out of pocket and wait for reimbursement.
What happens if my vehicle breaks down far from home?
Trip interruption reimburses up to $100 per day for up to 3 days of lodging and meals when a covered breakdown strands you 150 or more miles from home. Rental reimbursement can add up to $30 per day for up to 5 days if the repair requires 4+ hours of labor.
What do I need to do to keep my coverage valid?
Follow the manufacturer's recommended maintenance schedule and keep your records — date, mileage, services performed, and receipts. If you file a claim, these records may be required. Missing records can result in a claim denial.
Can I transfer my coverage if I sell the vehicle?
Yes. Coverage can transfer to the new owner within 30 days of sale for a $50 fee. Maintenance records must be provided at the time of transfer.
Keep your vehicle — and your income — protected.
Mechanical Coverage is available directly through Turo for eligible hosts. Takes minutes to enroll.
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