Turo Hosts:
Pool Your Deductible Risk, Keep 10-20% More Per Ride.
Kyodo Mutual is a transparent community cost-sharing program that helps cover unexpected fleet damage — helping hosts keep 10–20% more of each ride, while minimizing the risk. Founding members lock in the best rates for life.
Limited founding member spots available
Cover the Gap Your Insurance Leaves Behind
Kyodo Mutual doesn't replace your Turo Coverage insurance — it works alongside it. We pool member pledges to cover the out-of-pocket portion, so a deductible or an uncovered ding doesn't eat your earnings.
Turo Coverage Alone
- Deductibles of $1,500–$2,750 per claim
- Damage below your deductible is all on you
- Minor dings and glass you skip claiming
- 100% of the out-of-pocket risk is yours
You eat the gap
Deductibles & uncovered damage paid out of pocket
Turo Coverage + Kyodo Mutual
- Pooled help for deductibles & uncovered damage
- No rate hikes for submitting needs
- 80% of your pledge goes to the member pool
- More Peace of Mind, Balanced, or More Earnings to match your strategy
- Keep more of every ride you run
- Get rebates on your Pledge when the Pool Pays out less
The gap is shared
Out-of-pocket risk pooled across the community
Where Your Monthly Pledge Goes
80% goes into the shared pool to cover members' out-of-pocket needs.
20% covers platform operations, admin, and support.
How Kyodo Mutual Works
Simple, transparent, and built by car share hosts who were tired of overpaying.
Choose Your Fleet Tier
Pick a pledge tier based on your fleet size — from 1 car to 25+ — then choose More Peace of Mind, Balanced, or More Earnings to match how hard you run your cars.
More Peace of Mind · Balanced · More Earnings · Custom for 25+Make Your Monthly Pledge
Your pledge is pooled with fellow hosts each month. 80% goes into the shared pool, 20% covers operations.
Transparent. Predictable. Fair.Submit a Need When It Hits
A car gets damaged? Submit a need request with photos and a repair quote. The community has your back.
Quick approval · No hassleWhy Hosts Love Kyodo Mutual
Built from the ground up for car share hosts who run fleets for a living.
Community-Powered Protection
No insurance company skimming profits. Every dollar you pledge goes to your fellow hosts' real repair costs — period.
Fleet-Based & Earnings-Tuned
Build your ideal plan. Pick a tier by fleet size, then choose More Peace of Mind (lower pledge), Balanced, or More Earnings (higher coverage) to match how hard you run your cars.
Transparent & Fair (80/20 Split)
Every month, we publish a full report: total pledges, needs paid, buffer balance, and surplus. Nothing hidden, ever.
Founding Member Discounts — for Life
Early members lock in the lowest rates permanently. As membership grows, your founding rate discount never goes away.
Per-Car Pricing with Fleet Discounts
One simple base price per car for each coverage level. Bigger fleets get bigger discounts — automatically.
$250 deductible
$1,500 deductible
$2,750 deductible
$250 deductible
$10
$1,500 deductible
$40
$2,750 deductible
$60
$250 deductible
$10
$1,500 deductible
$40
$2,750 deductible
$60
$250 deductible
$10
$1,500 deductible
$40
$2,750 deductible
$60
Fleet over 25 cars?
Get a custom pledge quote tailored to your operation — available in all three coverage levels.
* This is not insurance. Payouts are subject to pool availability and prorated as needed. See full guidelines.
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.
Hosts Are Closing the Gap Together
Paired with Turo coverage, Kyodo Mutual helps founding members cover the out-of-pocket portion and keep more of every ride.
Limited Spots
Hosts on the founding list
$70-400
Extra Earnings Per Car Per Month
100%
Monthly financial transparency
$0
Hidden fees, ever
"We keep Turo's coverage for the big hits, but a $2,500 deductible used to wipe out a month of earnings. Kyodo Mutual pools our pledges so that out-of-pocket gap gets shared instead of eating our profit."
Sarah & Mike T.
12-car fleet · Turo host since 2021
"I picked the More Earnings option to keep more of every ride. The transparency sold me — each month I can see exactly what came in, what went out, and how the buffer's doing. Turo never showed me that."
Jessica R.
5-car fleet · Solo host
"80 cents of every dollar we pledge goes straight to the member pool, and when the pool pays out less than expected we get a rebate. It's the community covering the deductible together — and rewarding us when claims are light."
Dave & Linda K.
22-car fleet · Turo host since 2019
Founding Member Benefits
We're rewarding the people who believe in this community from day one. These benefits are only available to early members — once we launch publicly, they're gone.
Discount Locked in for Life
Your founding member discount never goes away — no matter how much the program grows or what the market does.
Lowest Tier Prices, Period
Founding members pay the lowest rates in Kyodo Mutual. Future tiers will be higher as membership grows.
Priority Access & Influence
Founding members get first access to new modules, early input on program guidelines, and direct access to admin.
Immediate Onboarding Priority
Founding members are first in line to get fully active and covered.
Don't wait — spots are limited
Lock In Your Founding Member Discount Today
Join now to secure your founding rate. We'll reach out personally when it's time to activate your membership.
Frequently Asked Questions
We know this is different from what you're used to. Here's everything you need to know.
Secure Your Founding Member Spot &
Lifetime Discount
Join hundreds of car share hosts already on the list. When we launch, founding members get first access, the lowest rates offered, and a discount locked for life.
