Courtesy, Rental, Peer-to-Peer, Car-Sharing Policy

One of the greatest things about our community is that hosts offer guests convenient access to a courtesy car when guests land. How else are guests to have fun? They have to be able to get around!

Convenient access does not mean that hosts are required to lend or rent their car to the guest. As the phrase indicates, it simply means that hosts will do what they can to make it convenient for their guests to have access to transportation. Below are some ideas on how hosts can carry out that task.

Lending or renting their own vehicle: Hosts need the assurance that they will be protected should anything happen to the vehicle they are allowing their guests to use. There are several easy ways hosts can handle this and be protected:

  1. Puting the car for rent on a “peer-to-peer” car-sharing service (such as Turo, Avail, or GetAround) and rent it to the Guest for profit or for a nominal fee. These car-sharing companies offer insurance coverage to protect your vehicle! Visit their websites to learn about them
  2. Carrying commercial auto insurance—can be costly
  3. Being self-insured.

Facilitating access to a rental or courtesy car: Hosts can simply help their guest obtain a car from a third party. Here are the most popular ways this is accomplished:

  1. Arrange for the nearest rental car agency to bring the car to the guest (many local agencies are happy to provide this service)
  2. Arrange for the FBO to have a courtesy car available for the guest
  3. Arrange for the guest to have access to a car-sharing service (such as Enterprise Car Sharing or ZipCar).

Please consult with your lawyer to see which options suit your situation best. FlyInn assumes no responsibility for property damage, bodily injury, or any other loss of any sort. FlyInn does not endorse any of the companies listed above, nor is it affiliated with them in any way. A simply search will turn these up as the only companies that offer the services contained herein.

Let us know if you can think of other ways your Guest can obtain transportation. You may use our contact form on our Contact Page or send us an email to PIC@fly-inn.com and write “Suggestions” in the subject line.

More on Turo: This option is great if you will be letting your guest use your car. Whether you rent it to them for a real rental rate or for a nominal fee, the insurance that Turo offers isn’t offered by anyone else (that we know of as of the date of this writing).

Because both Hosts and Guests are legally required to carry insurance, Turo offers insurance (through Travelers Insurance) for both Hosts and Guests. They offer several different optional plans for both Hosts and Guests. For those who are already insured, Turo’s liability insurance will act as an additional layer to supplement your current coverage. It will kick in as a secondary source.

Guests: When renting, Guests can opt out of the insurance plan Turo offers if the car insurance policy they have for their vehicle(s) specifically includes “peer-to-peer rental cars”, which is not the same as a traditional car rental. Many insurance companies see car rentals from agencies and peer-to-peer car rentals very differently. Remember that car insurance usually follows the vehicle, not the driver, and both Hosts and Guests should verify this by reading the policy and calling the insurance company. In many cases, insurance providers may offer liability but not physical coverage for a rental car.

Hosts: When renting their vehicles, hosts can opt-out of Turo’s protection coverage if they carry commercial auto insurance in addition to their personal auto policy. While you must have a personal car insurance policy to host through Turo, it will never extend to cover the rental use of your vehicle(s). You will risk your insurance provider dropping you as a client if you rent out your personal car for commercial purposes.

Your options are to either:

  1. Opt-in for a Turo protection plan
  2. Get a commercial rental liability policy to become a Commercial Host (usually reserved for those who own a business renting out multiple vehicles).
Regardless of the option you choose, DO NOT cancel your personal insurance. Turo’s coverage is limited to rental periods. Canceling your personal insurance could result in uncovered damages, a breach of financing or leasing agreements, license suspension, or automobile impoundment.
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