Understanding Mechanical Coverage Billing

Overview

Mechanical coverage is billed monthly, but payments are only made during the first half of your policy term.

This means you pay off the full cost of the policy earlier than the coverage ends.

During the second half of your policy, your coverage stays active without additional monthly payments.

This guide explains:

• How monthly billing works
• How long you make payments
• How long your coverage lasts
• What happens after your payments end

How Half-Term Billing Works

Mechanical coverage uses half-term billing.

You make monthly payments for half of your policy length, but your coverage lasts for the entire term.

Example

After the payment period ends, your policy remains active for the rest of the coverage term.

Example timeline:

Month 1–12 → Monthly payments

Month 13–24 → Coverage continues with no payments

Monthly Billing Schedule

Premiums are billed at the beginning of each month.

Billing follows a monthly billing cycle, not the exact date you purchased coverage. The first and last payments may be prorated based on your purchase date.

Example:

• Policy purchased: March 15
  • Your first payment is prorated based on your purchase date. 
• First billing cycle: April 1
• Future payments: The first day of each month
• Your last payment may also be prorated to reflect the remaining balance.

When Coverage Begins

Coverage does not start immediately after purchase.

Most policies include a waiting period, which ends when both of these criteria are met:

• 30 days after purchase, and
• 1,000 miles driven

Once the waiting period ends, the coverage becomes active.

What Happens After Payments End

Once you finish the required monthly payments:

• Your policy remains active
• Your coverage continues
• No additional monthly payments are required

Coverage continues until the end of the selected policy term or mileage limit, whichever comes first.

Important Billing Notes

⚠️ Payments end before coverage ends
Monthly payments are only required for half of the policy term.

⚠️ Billing occurs monthly
Premiums are billed at the beginning of each month.

⚠️ Coverage limits
Mechanical damage coverage is limited to up to the value of the vehicle.

⚠️ Policyholder responsibility
The Turo host listed on the policy is responsible for premium payments.

Updating Billing Information

During the policy term, you may update:

• Payment method
• Billing address

Contact support if you need help updating billing details.

Support

If you need help, our support team is available through the following channels:

Email: support@tint.ai
Phone: (909) 505-2338

24/7 Support (AI Agent)
Our AI Agent is available anytime to:

• Answer questions
• Help with billing or policy details
• Guide you through next steps
• Route your request to the right team

Human Support Hours
Monday–Friday, 10:00 AM – 6:00 PM EST

All inquiries start with our AI Agent. If additional help is needed, it will connect you with a human support specialist during business hours or ensure your request is followed up on the next business day.

Common Questions

Do I have to pay for the entire time I have coverage?

No. Monthly payments are only required for half of your policy term.

You will continue to have coverage after payments end, until the policy reaches its expiration date or you have exceeded the mileage limit.

What happens if I miss a payment?

If a payment is missed, the policy may become delinquent or subject to cancellation depending on the policy terms.

Contact support if you need help with a payment.

Can I cancel my policy?

Policies may be cancelled:

• Within 30 days for a full refund if no claims have been filed
• After 30 days for a prorated refund

Contact support if you need help with cancellation.