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Physical Damage Coverage for Outdoorsy Owners (US Rentals)

Overview and Declarations Information

Outdoorsy coverages are unique in that both the owner and renter are protected when renting through Outdoorsy and purchasing a Protection Package. The protections offered are specific to the party and the protection package available and purchased. The information contained herein is specific to the vehicle owner, and describes what is precisely covered and under what circumstances. To the extent this document conflicts with the Outdoorsy Terms of Service, this document controls.

Owner Coverages 

Once an owner or listing agent has completed the insurance verification for the listed vehicle the vehicle owner’s protection is activated. Providing a claim meets the coverage stipulations below and the Outdoorsy Terms of Service, and the owner hands the keys to a verified driver, the owner’s vehicle is covered for Comprehensive and Collision coverage (as described below) for the Actual Cash Value of the covered unit up to 1 million dollars. The owner is also covered under these conditions for up to 1 million dollars in liability coverage for circumstances where the owner is found liable for a covered loss.

Covered vehicles

Owners who list their vehicles on the Outdoorsy platform, can apply for vehicle protection  through the listing tool. If your vehicle is approved, it would qualify as a covered vehicle provided that the vehicle is properly maintained as described and required in the Outdoorsy Terms of Service. Please note that any motorized unit or trailer with a salvage titled history does not qualify for coverage. Any vehicle with a model year 2000 or older generally will not have coverage, but owners may apply for an exemption by notifying claims@outdoorsy.com. Vehicles registered in the state of New York do not qualify.

Please note any vehicle that does not meet consistent safety verification standards outlined by Outdoorsy’s vehicle certification requirements and terms will be disqualified as a covered vehicle.

Episodic Coverage

Outdoorsy provides episodic coverage under its protection packages for covered losses that occur exclusively during the rental period. The covered period for owner coverage extends from the time of key handoff to the verified renter on the start date of the booking, until the vehicle return and key handoff on the final scheduled booking date (or earlier if returned earlier then the final booking day). Covered damages that cannot be confirmed as having occurred during the rental period will not be paid. Owners must take unaltered, unedited pre-trip photos with metadata containing the date and time stamp of when such photo was taken immediately prior to departure and the same photos immediately upon return. The pre-trip photos must be taken at the time of the key exchange and depict and show that the damages did not exist immediately prior to the covered period. The post-trip photos must show the full extent of the damages that occurred solely during the covered period, and must be taken immediately after the booking ends or the vehicle is returned (whichever occurs first).

  • Photos required to be captured pre-trip and post-trip include: 
    • Exterior photos: Front / Back / 2 side views
    • Interior photos: Dashboard / Tank levels / Odometer / Beds / Baths / Seating

Territories of Coverage

Our US Comprehensive and Collision coverage applies to covered losses occurring in the US or Canada for vehicles registered in the United States of America, regardless of where the booking begins or ends. We are currently unable to offer additional protection for vehicles registered in the state of New York. Please note that coverage is void for the entire booking period if the vehicle enters Mexico.

Deductibles

The deductible for the Comprehensive and Collision coverage is owed by the renter and determined by the protection package selected by the renter at the time of booking (What are Outdoorsy’s insurance protection packages?). The deductible will apply on a per loss basis to both comprehensive and collision losses.  

Outdoorsy will use all commercially reasonable efforts to recover the deductible from the renter including application of any available security deposit following deductions for approved ancillary overage and fees (What is the security deposit? How does it work?). 

Other Declarations Information

Declarations information specific to each rental that is not identified above, such as the vehicle approved for coverage, the covered parties, and coverage period/booking dates, will be provided on the booking receipt available on either parties’ Outdoorsy dashboard.

Protection Coverage Agreements 

Covered Perils

Outdoorsy will pay for sudden, direct, and accidental damage to the listed vehicle for perils covered under our Comprehensive & Collision coverage. Payments will be issued to the legal owner of a listed vehicle unless otherwise specified by the legal owner.  

Our collision coverage will apply when damages are sustained to the covered vehicle as the result of an impact with an object or another vehicle or the upset of the vehicle.  

Comprehensive (sometimes called Other than Collision) coverage would cover the following: falling objects, fire, theft or larceny, explosion or earthquake, windstorm, hail, water or flood, malicious mischief or vandalism, riot or civil commotion, contact with bird or animal, or breakage of glass.  

All covered perils are subject to investigation and determination by our claims team. 

Exclusions

The Outdoorsy coverage will cover comprehensive and collision damages to the vehicle caused by a covered peril. However, as with any insurance policy there are necessary exclusions to the coverage. Outdoorsy does not cover the following:

  1. Losses caused by mechanical or electrical breakdown or failure, wear and tear, lack of maintenance, or damages occurring over time, are not covered. This includes resulting damages from a covered peril that was found to be caused by failure or breakdown. (Example: If a fire is found to be caused by a mechanical failure, the resulting fire damage is not covered.)
  2. Damages resulting from war, riot, terror, political unrest, biological/chemical, nuclear or radioactive contamination.
  3. Damages resulting from manufacturer or prior repair defects.
  4. Damages incurred where an owner has not taken all necessary steps to respond to a manufacturer or NHSTA safety recall issued on their vehicle.
  5. Damages to any electronic equipment or accessories designed for the reproduction of sound, that send or receive audio, visual or data signals unless required for the normal operation of the vehicle.
  6. Loss of personal property belonging to either owner or renter. Renter is directly responsible for damaged or missing property.
  7. Awning fabric (unless confirmed as not having wear or any tears prior to the rental). Awnings must be present for inspection after the booking.
  8. Losses to a vehicle that is not approved for coverage, registered and meeting Outdoorsy safety and inspection and maintenance requirements.
  9. If keys were not provided to a verified driver at the start of the booking, owner coverage will be denied.
  10. Interior damage is not covered under the Outdoorsy Comprehensive and Collision coverage, optional Damage Protection coverage can be purchased by the renter for interior damage protection.
  11. Our coverage does not extend to vehicles if the vehicle enters or attempts to enter Mexico.
  12. Coverage may not be extended to losses resulting from vandalism or theft if a police report is not submitted. Police reports should be obtained immediately following the loss by the renter.
  13. A Police report is required for any incident involving third parties.
  14. Loss of use, lost revenue, business interruption, loss of personal use and transportation costs resulting from damages are not covered by Outdoorsy.
  15. Items that are not factory installed at the time of manufacturing may not be covered. Examples include add-on features such as bicycle racks, etc.
  16. Damages resulting from an intentional act, or the intentional acts of others at your or the renter’s direction.
  17. Damages resulting from a tire blow out where the tire is faulty, defective, older than 6 years of age, or does not meet Outdoorsy’s tread wear guidelines. Also, damages resulting from the use of improperly sized or load-rated tires, or the use of summer tires in winter conditions (i.e., snow or ice) are also not covered.
  18. Any vehicle not permitted to be licensed by federal, state, or local law.
  19. Damages resulting from the use of the vehicle off-road.

Conditions and Provisions

Owner Duties Prior to Loss

Outdoorsy reserves the right to deny coverage under its protection packages if there has not been full compliance with the Outdoorsy Terms of Service, and following duties: 

–Ensure vehicle is approved for coverage: Prior to any bookings the owner is responsible for ensuring that the listed vehicle has passed our insurance approval process.  

–90 day inspections: Owners are responsible for ensuring inspections are completed within 90 days of every booking. Vehicle inspections must be completed and documented by a certified mechanic. If inspections are completed by the owner in lieu of a mechanic, photos or any other applicable documentation may be requested and required in addition to the inspection form in order for coverage to be considered. The inspection requirements are more fully described here.

–Keys provided to a verified driver: At the start of a booking it is the owners responsibility to review the verified drivers under the booking details on the Outdoorsy dashboard. The owner must provide keys to a verified driver or owner coverage may be denied. 

–Pre-trip and Post-trip inspections and photos: Immediately prior to releasing the vehicle the owner is responsible for completing a full inspection of the interior and exterior of the vehicle with the renter, and must take photos to document its condition immediately prior to departure and immediately upon return.  

Owner Duties After Loss

In addition to the pre-loss requirements, the owner also has a responsibility to meet the following after-loss duties if seeking coverage: 

  1. Prompt notice of loss: All damages must be reported to Outdoorsy within 48 hours of the end of the booking. Notice should also include the names and contact information for any additional parties involved. For additional filing details please visit How do I file a claim? If the loss is a result of theft or vandalism, prompt notification to the police is also required.
  2. Mitigate damages: Reasonable steps must be taken to protect the vehicle from additional damages after a loss. For example, if the damages have caused a puncture and there is a possibility of rain, it is the owners responsibility to cover the puncture to ensure no additional damage is sustained while the claim is investigated. Outdoorsy will pay reasonable expenses incurred to mitigate damages with submission of receipts and/or invoices.
  3. Submit proof of loss and proof of ownership documentation: In order to investigate the claim we will require a claim statement filed under the Outdoorsy dashboard, submission of photos of the damages (and corresponding pre-trip photos) and the vehicle as well as a document confirming proof of ownership. Proof of ownership examples include, but are not limited to: a copy of your title, a copy of your registration, a letter from your lienholder, bill of sale, or purchase agreement. We also require the submission of pre- and post-trip photos as stipulated above to substantiate any claim, as well as copies of your most recent 90-day inspection based on Outdoorsy’s requirements.
  4. Make vehicle available: In addition to the initial photo submission the owner will need to permit us to inspect and appraise the damaged property during our investigation before its repair or disposal.
  5. Cooperating with investigation: The vehicle owner has agreed to cooperate with and assist Outdoorsy in good faith during the investigation per the Outdoorsy Terms and Conditions. 

Abandonment and Salvage

In the event of a loss deemed as repairable, damaged property cannot be abandoned to Outdoorsy by the insured in order to seek full value. However, if it is determined that the repair cost exceeds the vehicles Actual Cash Value (ACV), Outdoorsy may take possession of the damaged vehicle and retain the right to salvage. For additional details regarding total loss claims please visit What happens in the event of a total loss?

Arbitration Agreement

In the event of a payment or coverage dispute, Outdoorsy will attempt to resolve disputes with the affected parties. If an agreement cannot be reached or in the event of a dispute with Outdoorsy, the dispute will be handled via arbitration per the Outdoorsy Terms and Conditions

Fraud

Outdoorsy retains the right to not provide coverage for any party who has made fraudulent statements or engaged in fraudulent conduct in order to seek coverage under our protection packages. 

Limitations

Limit of Liability

Outdoorsy will pay the lesser of the Actual Cash Value of the approved vehicle or the amount necessary to repair or replace the property with other property of like kind and quality as determined and approved by Outdoorsy’s chosen licensed appraiser.  

The renter is not responsible for any additional repairs or expenses exceeding the limit of the Outdoorsy coverage related to loan payoffs, additional repairs, etc. 

Actual Cash Value

Physical damage claims paid under comprehensive and collision coverage are paid up to ACV (Actual Cash Value) in the event of a total loss. ACV is determined by establishing a baseline value based on similar vehicles in the owners geographical region. Then based on a variety of things potentially including mileage, condition, upgrades, inspection, etc. that value will be adjusted accordingly to determine the ACV for the specific vehicle. 

Quality Replacement Parts (QRP)

Our appraisers will write estimates utilizing quality replacement parts. We will attempt to put the owners RV back to the condition it was in prior to the accident, and we are confident that can be done with the parts that are listed on our estimate. If there is a reason that OEM (Original Equipment Manufacturer) parts are needed, the owner’s repair shop can submit a supplement to our appraisal team to discuss and come to an agreed price.

Betterment

Our coverage is designed to put your vehicle back in the position it was prior to the damages; no better and no worse. Over time the value of various parts and components will depreciate.  Our coverage 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.  

Vandalism and Theft

We reserve the right to require a police report for damage as a result of vandalism or theft during the rental period. The police report needs to be filed within 48 hours of the reported incident by the renter or the owner, and the claim needs to be reported to Outdoorsy within 48 hours of the end of the booking or the return of the vehicle. Failure to provide a police report may result in the denial of a claim at the discretion of the Outdoorsy claims team. 

Other Insurance

The Outdoorsy coverage will cover owners as primary for losses covered under the policy during the rental. Renters’ personal insurance will act as primary to any coverage they have purchased through Outdoorsy. If other sources of recovery also cover the loss, Outdoorsy reserves the right to pursue recovery of any claim payments.

Towing Expenses

The Outdoorsy coverage does not include transportation costs. However, in the event that the vehicle is disabled due to a covered loss and roadside is unable to assist in moving the vehicle, Outdoorsy may assist in covering a tow to the nearest repair facility. If the vehicle needs to be relocated to the shop of choice or to a specialized repairer, Outdoorsy is not liable for any additional towing costs. 

Additional Supplementary Coverages

Delivery Coverage

Outdoorsy will provide additional coverage on bookings where the delivery feature has been activated. The Comprehensive & Collision coverage will be extended to cover the delivery route, without additional stops on the start date of the booking. Under this additional coverage the owner is responsible for the deductible during the delivery route which will match the renter’s elected deductible per their bundle (e.g. if your renter chooses the basic package with a $1500 deductible, this will be your deductible should you experience a loss during a delivery for that specific booking). You will also be eligible for liability coverage that will match the minimum financial requirement in the state you are delivering in. Please note: The delivery driver must be the listed owner in order to qualify for this coverage and coverage does not extend into pickup. (For additional details please visit: How do I offer delivery to renters?)

Other Available Protection Offerings

Other Resources

For details specific to each booking, including a copy of the booking receipt please login to your personal Outdoorsy dashboard. All listed owners and booked renters have agreed to the Outdoorsy Terms and Conditions which outline 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.

**Assurant is a partner on liability insurance only.


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