All these people here giving bad reviews clearly did not read what they were purchasing. It is clear what you are buying, your deductible is outlines right in front of you. I am a power host and have had a few claims with Turo and all have been quick and fair. Yes, I had to pay a deductible because the plan I personally selected has a deductible that was clear to me before the trip started. If you want a $0 deductible plan you can buy one, just like all other insurance products. You just have to pay more.