Outdoorsy’s insurance doesn’t cover any damage that isn’t the result of a collision. For example, interior damage and losses caused by mechanical failures due to a lack of maintenance are not covered (e.g. scuffs, broken cabinets, cleaning, etc). These are covered by the security/damage deposit. All renters agree to a security deposit set by the owner that accounts for any minor damage to the interior of the RV or overages.
All RVs will experience wear and tear over normal continued use. Outdoorsy does not cover any damages resulting from normal wear and tear per the guidelines below, but not limited to:
Paint and Body
This includes all major panels and front/rear bumpers, minor dents (a depression or contouring on a single panel two inches or less in diameter) and minor scratches (less than three linear inches in length).
RV’s NOT parked in covered / garaged areas tend to experience more visible wear.
Tires and Rims
Tread: Tires must maintain a tread of 50% or more at the start of each rental. Any tires that blow-out without impact from an object are subject to inspection.
Rim: An abrasion of three inches or less in length along the arc-length or face of the rim.
Interior trim, carpet, upholstery and controls.
We do not cover any interior damage that happens during a rental. If you feel that damage occurred to the interior during an active rental, this can be deducted from the security deposit once you provide documentation to the renter for the additional charges. If the damage exceeds the security deposit or it has been used for other costs (e.g. mileage), Outdoorsy will work with you and the renter to charge the additional costs and reimburse you.
PLEASE NOTE: Detailed renter check-in and checkout forms are required for Outdoorsy to validate the additional damage occurred during the rental. Both the owner and renter must clearly document and sign off on any damage. This will expedite any reimbursement needed.
Windshield and Windows
Windshields and windows will sustain wear over time with routine use. Existing issues such as cracks or bullseyes may show accelerated wear if neglected.
- 1 or 2 minor chips (not in field of vision)
- Cracks originating from a neglected chip that has increased in length or severity over time or after successive trips
- Dry, cracked, brittle or loose weather stripping around windshield/windows due to aging
- Peeling or nicks to window tint
We do not cover any items that are not factory installed on the RV at the time of manufacturing.
Awnings are subject to betterment if damaged, since they are expected to have a lifetime maximum of 12 years. So if the awning is damaged and replaced with a new awning, we will take a 10/12 = .83% betterment of the price.
Per the Fair Claims Settlement Practices Regulations
(i) When the amount claimed is adjusted because of betterment or depreciation, all justification shall be contained in the claim file. Any adjustments shall be discernible, measurable, itemized, and specified as to dollar amount, and shall accurately reflect the value of the betterment or depreciation. This subsection shall not preclude deduction for prior and/or unrelated damage to the loss vehicle. The basis for any adjustment shall be fully explained to the claimant in writing and shall:
(1) reflect a measurable difference in market value attributable to the condition and age of the vehicle, and
(2) apply only to parts normally subject to repair and replacement during the useful life of the vehicle such as, but not limited to, tires, batteries, et cetera.
Mechanical and Transmission
Mechanical systems and their parts experience wear over with routine driving. Vehicles that aren’t maintained to the manufacturer’s guidelines may experience accelerated wear during operation.
Drivetrain: The system that connects the transmission to the drive axles. This includes the transmission, gearbox, differential and drive shaft.
Clutch: The system that connects and disconnects a vehicle engine from its transmission system. This includes the clutch disc, pressure plate, flywheel and pedal with piston or pulley system.
Brakes: The system that slows or stops a vehicle. This includes parking brake cables, park brake lever, master cylinder, brake lines, caliper, reservoir, pads, hoses, drums, rotors, shoes and pedal.
Suspension: The system that cushions a vehicle from road conditions. This includes springs, shocks and struts, linkages, bushings, control arm, leaf spring, torsion bar, anti-sway bars, tie rod and knuckle.
All vehicles require routine maintenance. The vehicle owner is responsible for maintaining the cosmetic appearance and mechanical integrity as prescribed by the manufacturer of their vehicle and accompanying service manual.
Costs Associated to Breakdowns
If your RV breaks down due to mechanical issues on the road, Outdoorsy will not cover any costs to the loss related to hotel, towing, etc. These costs will be incurred at the RV owner’s expense, and you can not subtract these costs from your renter deposit. However, Outdoorsy does partner with a premier roadside assistance partner to provide protection in the case of breakdowns.