# Protection plans – In brief | France hosts > Turo makes three protection plans available to hosts in France How much a plan costs and how much youll earn depends on which plan you choose Protection Source: https://help.turo.com/en_us/protection-plans-in-brief-france-hosts-rJiEbwZa2 Last updated: 2026-09-25T21:03:46.222Z ## Protection plan cost  Each protection plan has a different cost associated with it. You allocate a percentage of the trip price to cover the cost of the plan you choose and keep the rest as earnings. That’s what we refer to as your [host share](https://help.turo.com/understanding-earnings-and-host-take-rate-r1zDrNlNc). Plan names correspond to the host share associated with that plan. The higher the percentage you allocate to protection, the lower your out-of-pocket\* per physical damage incident. The out-of-pocket is the amount you’re responsible for before you’re eligible for reimbursement.  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). ## Plan summaries Protection plans available through Turo provide for reimbursement for eligible physical damage costs in excess of your protection plan’s out-of-pocket for the Reservation Period\*\* only. Reimbursement is subject to terms and exclusions and is capped at the cost of repairs up to the appraised value of the vehicle, up to a maximum of 150,000 €.  The protection plan your guest chooses is completely separate from your own. It has no bearing on the out-of-pocket associated with your protection plan or the amount of reimbursement you may receive. 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) or insurance conditions, or if any information is missing from your claim, protection will be denied.  Depending on certain criteria related to claims and compensation requests (including but not limited to their frequency and eligibility, the claims cost-to-earnings ratio, etc.), Turo reserves the right to restrict access to Protection Plans 80 and 85, or to suspend the host's account. See the summary and cost of France host protection plans below and read the [complete plan details](https://help.turo.com/protection-plans-in-detail-france-hosts-rJywfvZT2). [Read about the roadside assistance offered by Mutuaide](https://support-resources.turo.com/policies/FR%20RSA%20Notice.pdf). ### 80 plan * **Host share:** 80% of trip price * **Out-of-pocket:** No out-of-pocket\*; 100% of eligible damage costs are covered * **Bodily injury liability coverage:** Unlimited * **Property damage liability coverage:** 100,000,000 € * **Fire and explosion liability coverage:** 2,000,000 € ### 85 plan * **Host share****:** 85% of trip price * **Deductible:** 500 € out-of-pocket\*; 100% of eligible damage costs above the deductible are covered * **Bodily injury liability coverage:** Unlimited * **Property damage liability coverage:** 100,000,000 € * **Fire and explosion liability coverage:** 2,000,000 € ### 90 plan * **Host share:** 90% of trip price * **Deductible:** 1,000 € out-of-pocket\*; 100% of eligible damage costs above the deductible are covered * **Bodily injury liability coverage:** Unlimited * **Property damage liability coverage:** 100,000,000 € * **Fire and explosion liability coverage:** 2,000,000 € To learn more about the conditions of the insurance offered by Baloise Assurances Luxembourg S.A.†, click [here](https://support-resources.turo.com/policies/FR%20Insurance%20Notice.pdf) and [here](https://support-resources.turo.com/policies/FR%20DIPA.pdf). \*We use the expression “out-of-pocket” to mean the amount you’re responsible for in the event of physical damage to your car during a Turo trip before you’re eligible for reimbursement. In the event of theft, vehicle hijacking or physical damage accompanied by a late return, if you have not complied with the [Tracker policy](https://help.turo.com/tracker-policy-france-hosts-rk4D_2gXxl), your out-of-pocket cost will be 25,000 €, whatever your plan. \*\*The Reservation Period is the period between the start and end dates of 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 and the time the vehicle is returned by the guest to host or to the location designated in the reservation.  †Baloise Assurances Luxembourg S.A., a Luxembourg société anonyme (private limited company) having its registered office at 8 rue du Château d'Eau, L-3364 Leudelange, Grand Duchy of Luxembourg, acting in France under Freedom to Provide Services and registered with the Luxembourg Register of Commerce and Companies (R.C.S. Luxembourg) under the number B68065.