They try to have it both ways. They want you to pay them for a coverage plan, but they also are firm that their plans are secondary to your personal auto insurance.

"In the US, any personal insurance you may have that covers damage to the host’s vehicle would kick in before your Turo protection plan"

In general, any insurance bought after another insurance plan can only cover what is not already insured by the first plan.

Anything else is actually illegal in the UK (it's a tax loophole, because you are paying for insurance (which isn't usually charged sales tax) for a risk that ends up being zero because another insurance policy ends up covering it).

But they could offer a protection plan that is not tied to your personal insurance in any way and relieves you of the burden of getting your insurance company involved at all. That's what car rental LDW plans do.

"We offer the Loss Damage Waiver so you don't have to worry or stress about driving our vehicles. The LDW isn't insurance, but it can protect you from the cost of damage to the Hertz’ car. By purchasing the LDW, you will not be responsible for any loss or damage that occurs to the car so long as you weren't using the car in a prohibited manner."

https://www.hertz.com/rentacar/productservice/index.jsp?targ...

Turo wants you to buy a protection plan from them, but then if there is a loss, the plan you just bought is not available to you until you exhaust all options and financial compensation via your own insurance carrier.

Yeah, this is a good point! I'd rather be protected than not, but it would be far better for Turo to offer primary instead of secondary insurance.

Claiming the Turo earns you is a bit in-genuine. This is a way that a lot of rental companies try to trick you into to paying for unnecessary Insurance.

I get the same warnings for rentals, despite both my insurance and credit are providing coverage.

Some Turo owners have their vehicles set to block Turo’s full-coverage insurance. It’s unclear whether this was the owner’s preference or Turo’s.

Wait, really? How does that work?

No idea, it was super annoying as a Turo customer though.