# Choosing a protection plan | Australia guests

> Consider cost and level of protection when choosing a protection plan for your trip Find the basics outlined here and refer to the httpssupportre

Source: https://help.turo.com/en_us/choosing-a-protection-plan-au-guests-H1_MqEuSi

Last updated: 2026-05-04T21:48:20.215Z

## About

The guest protection plans offer discretionary protection (protection) issued by Turo Travels Mutual Limited (the Mutual). The plans are offered and distributed on behalf of the Mutual by Turo Australia Pty Ltd and Turo Inc., both authorised representatives of Picnic Licensing Pty Ltd (AFSL No 532540).

Discretionary risk protection is not insurance. The Board of the Mutual has absolute discretion to accept or reject a member’s claim. The Board will exercise its discretion fairly and consistently, and with all due consideration to the merits and circumstances of each claim and the terms and conditions set out in the Guest PDS.

## Protection plan cost

How much a protection plan costs depends on a variety of factors, including the plan you choose when booking a trip. Refer to the [Guest Product Disclosure Statement](https://support-resources.turo.com/policies/Guest%20PDS%20-%20Turo%20Travels.pdf?_gl=1*1dzx89z*_ga*ODEyMDU1NzY4LjE2NjgxMTEzNTg.*_ga_CJPLS11T4Y*MTY2OTA3MDI1NS41LjAuMTY2OTA3MDI1NS4wLjAuMA..) (Guest PDS) for more information. The more a plan costs, the less you’re responsible for paying in the event there’s damage caused to the host’s vehicle during your trip. We’ll show the cost of the plan you choose as a separate line item on the checkout screen. For all plans, $2 of your trip fee goes toward your membership contribution for liability protection.

**Tip:** Consider purchasing protection for peace of mind — you’re likely not covered by your personal insurance or credit card for trips booked on Turo. 

## Protection plan options for guests in Australia

All protection plans include protection for theft, loss, or damage to a host’s vehicle, provided by Turo Travels Mutual. Protection from Turo Travels Mutual is secondary to any insurance coverage that you may have. Terms, conditions, and exclusions apply to all protection plans. 

#### Premier

*   Plan cost is 50% of trip price
*   $0 deductible – no out-of-pocket costs for host vehicle damage or theft
*   Protection for legal liability for damage to other people’s property of A$20,000,000
*   Doesn’t include protection for mechanical or interior damage to host’s vehicle

**Note:** Premier plan is unavailable for trips booked fewer than two days in advance, trips shorter than three days, or trips in vehicles with a total market value of more than $55,000

#### Standard

*   Plan cost is 30% of trip price
*   $500 deductible – max out-of-pocket cost for host vehicle damage or theft
*   Protection for legal liability for damage to other people’s property of A$20,000,000
*   Doesn’t include protection for mechanical or interior damage to host’s vehicle

#### Minimum

*   Plan cost is 10% of trip price
*   $1,500 deductible – max out-of-pocket cost for host vehicle damage or theft
*   Protection for legal liability for damage to other people’s property of A$20,000,000
*   Doesn’t include protection for mechanical or interior damage to host’s vehicle

#### Decline protection

*   If you decline protection, you’re responsible for any physical damage to or theft of the host vehicle regardless of who’s at fault — costs could be up to A$200,000.  
*   You only have legal liability protection, which protects third party property but not the host vehicle you’re driving or your responsibility for it during your trip. 

Deductible Waiver

You will not have to pay the deductible if:

*   Loss of or Damage to the Host’s Vehicle was caused by a third party and we agree that the third party was entirely at fault; **and**
    
*   you are able to identify the other vehicle and provide its registration number and the owner's name, home or business address and telephone number.
    

  

  

**Disclaimer**

_Protections are issued by Turo Travels Mutual Limited ACN 661 465 890 (‘the Mutual’).  It is a discretionary mutual providing risk protection products. The Mutual issues and distributes its products via Picnic Licensing Pty Ltd (ACN: 647 642 117 AFSL: 532540). The Mutual is managed by Turo Travels Management Pty Ltd (ACN 661 462 433; AR No. 1300020) and the managing agent is Turo Australia Pty Ltd (ACN 659 649 073; AR No. 1300021). Statements in the documents provided here include general advice only that does not take account of your personal circumstances. Discretionary risk protection is not the same as insurance. For more information before deciding to become a member, please review the Constitution, Financial Services Guide, Host/Guest Product Disclosure Statement TMD, and related materials_ [_here_](https://turo.com/au/en/policies/turotravels)_._