Turo Hosts: Pool Your Deductible Risk,
Keep 10-20% More Per Ride.
A voluntary mutual-aid sharing program where Car Share Hosts pool resources to help each other maximize profits by sharing out of pocket expenses during a loss.
How It Works
Simple, transparent, community-driven.
1. Pledge Monthly
Tier chosen based on Earning Plan and Fleet Size. 80% goes to the shared pool, 20% covers admin costs.
2. Submit a Need
When a vehicle is damaged or a loss is incured, submit a need request with photos and details for community review.
3. Get Help
Approved needs are paid from the pool. If the pool runs short, payments are prorated fairly.
Earnings Potential Calculator
See what your monthly pledge would be and how it compares to paying a Turo deductible out of pocket.
Tier: 2-6 Cars
Plan: More Earnings
Fleet revenue: $5,000/mo
Monthly Pledge
$255/mo
Extra Income vs Peace of Mind
+$788/mo
+$9,450/yr vs the $250 deductible plan
Annual Savings
$3,815
vs. self-insuring (50% of deductible × 5 cars)
Worked example: A 5-car host on a $2,750 deductible plan pays $255 per month ($51/car after the 15% fleet discount). One total-loss claim ($2,750) can wipe out 2 years of profit.
Earnings by Turo Plan
Turo pays the host a % of revenue per car. Kyodo lets you safely run a higher-deductible plan to keep more. Net = host share − Kyodo pledge.
| Plan | Take rate | Host keeps | Pledge | Net / mo | Net / yr |
|---|---|---|---|---|---|
| More Peace of Mind | 70% | $3,500 | $42.5 | $3,458 | $41,490 |
| Balanced | 80% | $4,000 | $170 | $3,830 | $45,960 |
| More Earningscurrent | 90% | $4,500 | $255 | $4,245 | $50,940 |
Extra earnings from switching to More Earnings
+$0/mo(+$0/yr)
Net of the pledge difference. Based on $5,000/mo fleet revenue.
Estimates only. Actual pledge amounts and claims subject to the community guidelines. Not insurance.
Core Pledge Tiers
Tier chosen based on Fleet Size and Risk Tolerance.
1 Car
Starting Hosts
More Peace of Mind
Share Eligible (<$250) after 30 days
$10
per car/mo
Balanced
Share Eligible (<$1,500) after 30 days
$40
per car/mo
More Earnings
Share Eligible (<$2,750) after 30 days
$60
per car/mo
2-6 Cars
15% offSmall Hosts
More Peace of Mind
Share Eligible (<$250) after 30 days
$8.5
per car/mo
Balanced
Share Eligible (<$1,500) after 30 days
$34
per car/mo
More Earnings
Share Eligible (<$2,750) after 30 days
$51
per car/mo
7-14 Cars
25% offMedium-Sized Hosts
More Peace of Mind
Share Eligible (<$250) after 30 days
$7.5
per car/mo
Balanced
Share Eligible (<$1,500) after 30 days
$30
per car/mo
More Earnings
Share Eligible (<$2,750) after 30 days
$45
per car/mo
15-25 Cars
35% offLarger Hosts
More Peace of Mind
Share Eligible (<$250) after 30 days
$6.5
per car/mo
Balanced
Share Eligible (<$1,500) after 30 days
$26
per car/mo
More Earnings
Share Eligible (<$2,750) after 30 days
$39
per car/mo
>25 Cars
X-Large Fleets
More Peace of Mind
Share Eligible (<$250) after 30 days
Custom Quote
Balanced
Share Eligible (<$1,500) after 30 days
Custom Quote
More Earnings
Share Eligible (<$2,750) after 30 days
Custom Quote
Important Disclaimer
Kyodo Mutual is a voluntary mutual-aid sharing program — it is NOT insurance. Members voluntarily contribute to a shared pool. There is no contract, no guarantee of payment, and no legal obligation. Participation is entirely at your own discretion.
