# Earnings plans – In brief | UK hosts > How much does a protection plan cost How much a protection plan costs depends on the plan you choose You allocate a percentage of the trip price to cover Source: https://help.turo.com/en_us/earnings-plans-in-brief-uk-hosts-ByiuUNl4c Last updated: 2026-06-15T16:57:35.287Z ## Earnings plan cost  How much a host earnings plan costs depends on the plan you choose. Each plan represents a percentage of the trip price you’ll keep and entitles you to reimbursements for different items. The more earnings you keep, the higher your damage responsibility. We use “damage responsibility” to mean the amount you pay before you’re eligible for reimbursement if there’s physical damage to your car during a guest’s trip. You can choose a plan for your vehicle when you create your listing and change the plan at any time. Changes won’t apply to booked or in-progress trips for that vehicle. If you have more than one vehicle listed, you can choose different plans for each. Learn [how to change your protection plan](https://help.turo.com/how-to-update-your-vehicle-protection-plan-rJS2S4eNq). ## UK host plan summaries Earnings plans available through Turo provide for reimbursement for eligible physical damage costs in excess of your plan’s damage responsibility for the Reservation Period\* only. Reimbursement is subject to terms and exclusions and is capped at the cost of repair up to the actual cash value of the vehicle or £70,000, whichever is less. You may decide to increase the amount of personal insurance you carry if you want additional protection. The earnings plan your guest chooses is completely separate from your own. It has no bearing on the damage responsibility associated with your plan or the amount of reimbursement you may receive. A guest’s plan limits their damage responsibility payment for eligible damage to your car on a trip. Your plan provides physical damage reimbursement for your vehicle. If you fail to comply with Turo’s [Terms of Service](https://turo.com/us/en/policies/terms) and applicable policies, we may void the protection tied to your earnings plan. See the summary and cost of UK host earnings plans below and read [complete plan details](https://help.turo.com/detailed-explanation-of-protection-plans-or-uk-hosts-B16_INxV5).  Note that the host share is a percentage of the trip price. ### More peace of mind plan * **Host** **share****:** 60% of trip price * **Damage responsibility****\*\*:** £0 per incident of physical damage to your vehicle * **Physical damage protection**‡**:** The value of the vehicle up to £70,000, subject to your compliance with the Terms of service and applicable policies, including without limitation the [Active tracker policy - UK hosts](https://help.turo.com/en_us/active-tracker-policy-uk-hosts-HyoS8NxEq)† * **Courtesy car:** For hosts with a single car listed on Turo when repairs take more than 3 days, maximum of £350 per claim * **Loss of hosting income:** Turo assumes responsibility for vehicle’s potential earnings based on the last 60 days up to a maximum of £300 for repairable vehicles _**or**_ host takes replacement vehicle reimbursement. Learn more about how we calculate [loss of hosting income](https://help.turo.com/loss-of-hosting-income-ByfqLEgV5). ### Balanced plan * **Host** **share****:** 70% of trip price * **Damage responsibility****\*\*:** £250 per incident of physical damage to your vehicle† * **Physical damage protection**‡**:** The value of the vehicle up to £70,000, subject to your compliance with the Terms of service and applicable policies, including without limitation the [Active tracker policy - UK hosts](https://help.turo.com/en_us/active-tracker-policy-uk-hosts-HyoS8NxEq)† * **Courtesy car:** Not included   * **Loss of hosting income:** Not included ### More earnings plan * **Host share:** 80% of trip price * **Damage responsibility****\*\*:** £1,750 per incident of physical damage to your vehicle† * **Physical damage protection**‡**:** The value of the vehicle up to £70,000, subject to your compliance with the Terms of service and applicable policies, including without limitation the [Active tracker policy - UK hosts](https://help.turo.com/en_us/active-tracker-policy-uk-hosts-HyoS8NxEq)† * **Courtesy car:** Not included   * **Loss of hosting income:** Not included ## Damage payment and value-added tax If your vehicle is damaged, we’ll share with you a [list of Turo-approved garages](https://support-resources.turo.com/protection/Turo%20list%20of%20repairers%20(14_02).pdf). If you have your vehicle repaired at one of these garages, we’ll apply your host damage responsibility and issue payment, (gross of VAT), directly to the garage. If you take the vehicle to a non-network garage or prefer to receive cash in lieu of repairs, we’ll pay you the net damage amount, excluding VAT, minus your plan’s damage responsibility.  **Note:** The list of approved garages is not exhaustive and is subject to change. ## Liability insurance for hosts in the UK [Learn more](https://help.turo.com/liability-insurance-uk-hosts-r1x_cFhj) about liability insurance for hosts in the UK. \*The Reservation Period is the period shown for a booked trip. It begins at the trip start time listed in the reservation and when the vehicle is in the custody or control of the guest. It ends the earlier of the trip end time or when the vehicle is returned to host or to the location designated in the reservation.  \*\*The contractual reimbursement for a portion of physical damage to your vehicle is not insurance. We use “damage responsibility” to mean the amount you’re responsible for in the event of physical damage to your vehicle during a Turo trip before you’re eligible for reimbursement. This means that, where you are entitled to a reimbursement for physical damage, Turo will pay this to you. That means that if your car is damaged by a Turo guest, you’ll receive the amount to repair the damage (up to the lesser of the actual cash value of the vehicle or £70,000) directly from us. This is not insurance.   † For certain models identified [in this article](https://help.turo.com/active-tracker-policy-uk-hosts-HyoS8NxEq), your earnings plan will not apply in case of late return/missing vehicle claims, if you had not installed the required tracker or if, at the time of reporting, the vehicle’s tracker is not activated, or, the vehicle tracker is activated but you fail to cooperate or delay cooperation with requests for location information made by Turo or a third-party partner.  ‡If Physical Damage results from an “act of nature” (e.g., flood, earthquake, hail, windstorm, etc.), Turo will only be responsible for (and its liability is limited to) the amount equal to the amount (if any) that the Host’s private passenger auto insurer would have had to pay for that damage under the primary insurance policy covering the shared vehicle in effect immediately before the start of the Reservation Period.