Outdoorsy coverage is unique in that both the host and guest are protected when trips are booked with one of the Protection Packages offered by Outdoorsy. Comprehensive and Collision coverage is determined by the Protection Package that the guest picks at checkout. The information here applies to the host and their rental vehicle; it precisely describes Protection Package coverage and the circumstances of coverage. Any violation of Outdoorsy’s Terms of Service may void any of the coverages outlined below.
Once a host completes the insurance verification process for their listing, the host’s protection is activated. Coverage is only provided if a claim meets the coverage stipulations below, the host complies with Outdoorsy’s Terms of Service, and the host hands the keys off to a verified driver. With coverage, the host’s vehicle enjoys Comprehensive and Collision coverage (as described below) for up to the actual cash value (ACV) of the covered vehicle (up to $300,000). Under the same conditions, the host is also covered for up to $1 million in Liability coverage for circumstances where the host is found liable for a covered loss; this does not apply to Stationary Protection Packages or the host’s delivery coverage mentioned below.
Hosts who list their vehicles in the Outdoorsy marketplace can apply for coverage during the List your RV process or from their Outdoorsy dashboard. If the vehicle is approved, it will qualify as a ‘covered vehicle’ as long as the vehicle is properly maintained, per Outdoorsy’s Terms of Service. Please note that any vehicle—drivable or towable—with a ‘salvage’ or ‘rebuilt’ title will not qualify for coverage. Motorized (drivable) vehicles registered in the state of New York also do not qualify.
Outdoorsy Protection Packages provide ‘episodic coverage’ exclusively for losses that occur during the rental period. Coverage begins at the time of the key exchange (at the start of the trip) and ends when the vehicle is returned and the keys are handed back to the host at the end of the trip.
Protection Packages do not cover damages that cannot be confirmed as having occurred during the rental period. Therefore, hosts must take unaltered, unedited pre- and post-trip photos immediately before and after each trip; photos must include metadata with a time and date stamp. Photos must be taken and submitted before the trip starts (up to 48 hours before) and again within 48 hours of the trip’s end; photos and submissions outside of this timeline may not be accepted.
Damage should be acknowledged, documented, and reviewed with the guest upon return. Altered Departure or Return forms or damages added after the guest has signed, will not be considered as evidence.
Our U.S. Comprehensive and Collision coverage is available for U.S.-registered vehicles that are involved in losses that occur in the U.S. or Canada. This coverage is valid regardless of where the trip begins or ends. Motorized vehicles registered in the state of New York do not qualify. Please note that coverage is void for the entire booking period if the vehicle enters or attempts to enter Mexico.
The deductible for Comprehensive and Collision coverage is owed by the guest and determined by the Protection Package that the guest picks at the time of booking. The deductible applies on a ‘per-loss’ basis to both Comprehensive and Collision losses; so, if there are two separate incidents, there are two separate deductibles.
Outdoorsy will apply the guest’s security deposit to the deductible—after the host has made any necessary deductions from the security deposit—and will recover any remaining deductible balance from the guest. Comprehensive and Collision claims that meet the qualifications of the Protection Package will be paid net of the deductible if Outdoorsy is unable to collect the deductible from the guest.
Additional booking-specific declarations information that was not mentioned above—such as the identification of the vehicle approved for coverage, the covered parties, coverage period/booking dates, etc.—will be provided on the booking receipt; it is accessible from either parties’ Outdoorsy dashboard.
Outdoorsy will pay for sudden, direct, and accidental loss to the listed vehicle for damages covered under our Comprehensive and Collision policy. Payments will be issued to the legal owner of the listed vehicle unless otherwise specified by the legal owner.
Our Collision coverage applies when the covered vehicle sustains damages as the result of a collision—an impact with an object or another vehicle—or the ‘upset’ of the vehicle—e.g. roll an RV on its side.
Comprehensive (sometimes called ‘other than collision’) coverage applies to the following: falling objects, fire, theft or larceny, explosion or earthquake, windstorm, hail, water or flood, malicious mischief or vandalism, contact with bird or animal, or broken glass.
All covered damages are subject to investigation and determination by our claims team.
Protection Packages will cover Comprehensive and Collision damages to the vehicle caused by a covered event; however, as with any insurance policy, there are necessary exclusions to what is considered a ‘covered event’. Outdoorsy does not cover the following:
In addition to the pre-loss requirements above, the host must also meet the following after-loss duties when seeking coverage:
If a loss is deemed to be repairable, the host cannot abandon the damaged property to Outdoorsy in order to seek full-value compensation. However, if it is determined that the repair cost will exceed the vehicle’s ACV, Outdoorsy may take possession of the damaged vehicle and retain the right to salvage.
In the event of a payment or insurance dispute, Outdoorsy will attempt to resolve the issue with the involved parties. If an agreement cannot be reached—or if there is a dispute with Outdoorsy—the issue will be arbitrated per Outdoorsy’s Terms of Service.
Outdoorsy retains the right to deny coverage to any party who has made fraudulent statements, engaged in fraudulent activity, or made material misrepresentations in order to seek coverage under our Protection Packages.
Outdoorsy will pay the lesser of:
The guest is not responsible for any repairs or expenses that exceed the limits of the Protection Package; that includes expenses related to loan payoffs, additional repairs, etc.
Hosts will need to mitigate potential storage costs with the repair shop or storage facility. Hosts must notify Outdoorsy immediately of any accruing storage costs; notice must be given at the time of filing or as soon as the costs are identified. Because Outdoorsy is not a party to any contract the host enters into with their shop, Outdoorsy is not liable for any fees—storage or otherwise—made due because of the host’s contractual obligations or shop delays.
In the event of a total loss, claims paid under Comprehensive and Collision coverage are paid up to the ACV (actual cash value) of the vehicle. The ACV is determined by establishing a ‘baseline value’, which is a function of similar vehicles in the host’s geographic region. Then, several conditions are weighed—mileage, vehicle condition, upgrades, inspection notes, etc.—and the value is adjusted accordingly. At that point, we will have determined the ACV for that specific vehicle.
Outdoorsy and the vehicle’s owner must ultimately come to an agreement on the ACV of the covered vehicle. If there is a disagreement, it will be resolved by a third party appraiser. Either party—the vehicle’s owner or Outdoorsy—may request an independent appraisal in writing.
Most skilled repairs can bring an RV back to its pre-loss condition; that is the purpose of Outdoorsy’s Protection Packages. As such, Outdoorsy does not cover diminished value claims.
Our appraisers write estimates using quality replacement parts. We owe it to our hosts to put their RVs back in the condition they were in before the accident; we are confident in the repairs done with the parts that are listed on our estimates. If there is a reason that OEM (original equipment manufacturer) parts are needed, the host’s repair shop can submit a ‘supplement’ to our appraisal team for consideration.
Our coverage is designed to restore vehicles to their pre-accident condition—no better and no worse. Over time, the value of various parts and components will depreciate. Our Protection Packages will cover the cost of the actual damage sustained, not the cost to improve the vehicle’s condition to better than its pre-loss condition. The application of ‘betterment’ policies will be subject to various state regulations.
A police report is required for damage caused by vandalism or theft during the trip. Either the host or guest can file the police report, but it must be done within 48 hours of the incident. In addition, the claim needs to be reported to Outdoorsy within 48 hours of the trip’s scheduled end date. Failure to provide a police report may result in the claim being denied; this is done at the discretion of the Outdoorsy claims team.
Outdoorsy’s Protection Package will cover the host as ‘primary’ for losses covered under the policy during the rental period. In addition, the guest’s personal auto insurance acts as ‘primary’ over the coverage they purchased through Outdoorsy. If other sources of recovery also cover the loss, Outdoorsy reserves the right to pursue recovery of any claim payments.
Outdoorsy’s Protection Packages do not include transportation or towing costs. However, if the vehicle is disabled by a covered loss—and roadside assistance is unable to move the vehicle—Outdoorsy may assist in getting the vehicle towed to the nearest repair facility. However, if the vehicle simply needs to be towed to another ‘shop of choice’ or to a specialty shop, Outdoorsy is not liable for towing costs.
Outdoorsy will provide hosts additional coverage during delivery on eligible bookings. Comprehensive and Collision coverage will be extended to cover the host’s delivery route—with no additional stops—on the trip’s start date. Under this delivery coverage, the host is responsible for the deductible during the delivery (which will match the deductible of the guest’s elected Protection Package). Hosts will also be eligible for Liability coverage at the state’s statutory minimum level of coverage. The delivery driver must be the listed host in order to qualify for this coverage. Delivery coverage does not extend to picking up the vehicle after the trip ends.
For booking-specific details, including a copy of the booking receipt, please log in to your Outdoorsy dashboard. All listed hosts and booked guests have agreed to Outdoorsy’s Terms of Service which outlines additional insurance and company policies. Coverage is subject to the Terms as well as all site content. Additional site content regarding our coverages can be found under our help section FAQs.