Covered vehicles

Guests are responsible for making sure their trip has been approved for coverage; they can check that a Protection Package has been purchased and applied to their booking from their booking receipt.

 

Episodic coverage

Protection Packages provide ‘episodic coverage’ exclusively for losses that occur during the rental period. For guests, 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.

 

Territories of coverage

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. When active, this coverage is valid regardless of where the booking starts 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.

 

Other declarations information

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 emailed to you by the RV Dealer.

 

 

Insuring agreements

Covered damages

Outdoorsy Insurance Group 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 a 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.

Exclusions

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 Insurance Group does not cover the following:

1. Losses caused by mechanical or electrical breakdown or failure, normal wear and tear*, lack of maintenance, or damages incurred over time are not covered. Even if damage would otherwise be considered in a covered incident, it will still be denied if the ‘incident’ was found to be caused by failure or breakdown. For instance, if the investigation shows that a fire was caused by a mechanical failure, the fire damage is not covered.
2. *Normal wear and tear is not covered; wear and tear includes:
   • Dings, dents, and scratches to the exterior of the vehicle that are four inches or less in length or diameter (excludes windshields).
   • Weathering or deterioration of awning fabric.
   • Tire sidewall cracks or deprecated tread from use over time.
   • Any mechanical or suspension component—e.g. engines, transmissions, brakes, exhaust systems, etc.—unless the damage is caused by a collision.
   • Windshield cracks that came from a neglected chip that increased in length or severity over time or after successive trips.
   • Dry, cracked, brittle, or loose weather stripping, roof vents, and/or exterior components that is due to weathering and age.
   • Peeling or nicks to window tint.
3. Damages caused by the manufacturer or previous repair defects.
4. Any part or equipment that is damaged as a direct result of freezing, winterization, or lack of mitigation.
5. Damages caused by war, riot, terror, political unrest, biological/chemical, nuclear, or radioactive contamination.
6. Damage to any electronic equipment or accessories—sound, visual, data signals, etc.—unless they are required for the normal operation of the vehicle.
7. Loss or damage to any personal property belonging to either the host or guest. However, guests are responsible for the host’s property that has been lost or damaged during the trip.
8. Damage caused by operating at excessive speeds or while participating in any form of racing.
9. Damages caused by the off-road use of the vehicle or any activity other than the vehicle’s designed or intended purpose.
10. Damages caused by a guest’s negligence and / or a guest’s misuses a vehicle
11. Damage caused by pets or livestock owned by the guest (or members of their party). That includes pets or livestock that are allowed to enter the vehicle intentionally or as a result of the guest’s negligence.
12. Guests will be denied coverage if the vehicle is found to have been operated by an unverified driver at the time of a loss. In addition, if keys are not handed off to a verified driver at the start of the trip, the host’s coverage will be denied.
13. Damage to the vehicle’s interior is not covered under Outdoorsy Insurance Group; guests can purchase optional Damage Protection for interior damage coverage.
14. Our Protection Package coverage will be voided for rentals entering or attempting to enter Mexico.
15. Coverage will not be extended to losses caused by vandalism or theft unless a police report is submitted with the claim. A police report must be filed immediately (within 48 hours) following the loss.
16. A police report is required for any incident involving third parties.
17. Loss of use, loss of personal use, alternative accommodation, and/or transportation costs accrued because of an incident are not covered by Outdoorsy Insurance Group.
18. Items that are not factory installed (at the time of manufacturing) may not be covered—e.g. add-on features such as bicycle racks, portable generators, etc.
19. Damages caused by an intentional act, or the intentional act(s) of others at your, or the host’s, direction.
20. Any damage that occurs while in violation of local, state, and federal law—including DUIs and reckless driving.
21. Any damage incurred while operating the vehicle under the influence of alcohol, drugs, other substances, or medications (even with a prescription) that may impair your judgment.
22. Guests may not move the vehicle under a Stationary Protection Package. In fact, coverage will be voided if the guest moves the vehicle at any time during a Stationary booking.

 

 

Conditions and provisions

Guest duties before a loss occurs

Outdoorsy Insurance Group reserves the right to deny coverage under its Protection Packages if any party(ies) has not been fully compliant with the following duties:

• Ensure the vehicle is approved for coverage and that a Protection Package has been purchased: Before their trip starts, guests must purchase a Protection Package and verify that their coverage is approved. Guests can check the booking details from their booking receipt.
• Check that all people driving are verified drivers: It is the guest’s responsibility to make sure that all members of their party (at least anyone who will be operating the vehicle) complete the driver verification process as outlined by the RV Dealer.
• Do the pre-trip and post-trip inspections: Immediately before receiving the vehicle, guests needs to complete a full inspection of the interior and exterior of the vehicle with the host. During the inspection, take photos to document its condition immediately before the trip starts and immediately after it ends. In the event of a loss, Outdoorsy Insurance Group may request the submission of this evidence.

Guest duties after a loss

In addition to the pre-loss requirements above, guests have several after-loss duties to fulfill when seeking coverage:

• Prompt notice of loss: All damages must be reported immediately. Guests will be held fully responsible for all damages if they do not immediately notify the host and Outdoorsy Insurance Group of any damages. In their notice, guests should include the name and contact information (including phone number and email address) of any other party(ies) involved. For additional filing details, please visit: Protection Packages. If the loss is caused by theft or vandalism, promptly notify the police; either party—the host or the guest—can file the police report.
• Notify the host of next steps: When damage occurs, the guest is responsible for notifying the host and Outdoorsy Insurance Group immediately. However, guests must remember to communicate with their host on ‘next steps’. Both parties must reach an agreement on the next steps they will take for temporary repairs, the return of vehicle, or the decision to move forward with the trip (if the damage is minimal and does not affect the safe operation of the vehicle).
• Guests must mitigate damages: Guests must take reasonable steps to protect the vehicle from additional damage after a loss; they must continue to mitigate damages until the vehicle is returned. For example, if there is a puncture or hole in the vehicle and there is rain in the forecast, the guest must cover the hole to prevent additional damage while they still have possession of the vehicle. Outdoorsy Insurance Group will reimburse reasonable expenses incurred to mitigate damages; please submit receipts and/or invoices.
• Submit proof of loss: In order to investigate the claim, we may need a ‘claim statement’ to be filled out. Our claims team will also ask for any relevant photos or documentation the guest or their party may have taken—including contact information for witnesses or other impacted parties.
• Cooperate with the investigation: Guests agree to cooperate with and assist Outdoorsy Insurance Group in good faith during the investigation.

Arbitration agreement

In the event of a payment or insurance dispute, Outdoorsy Insurance Group will attempt to resolve the issue with the involved parties. If an agreement cannot be reached—or if there is a dispute with Outdoorsy Insurance Group—the issue will be arbitrated per the Dispute Resolution Process.

 

Fraud and misrepresentation

Outdoorsy Insurance Group 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.

 

 

Limitations

Limit of Liability

If the claim is accepted and coverage is approved, a guest’s liability for damages cannot exceed the deductible agreement between guest and RV Dealer. However, if the guest violates any section of this policy, the guest is liable for the full amount of the loss, regardless of deductible.

 

Actual cash value

In the event of a total loss, claims paid under our Comprehensive and Collision policy are paid up to the vehicle’s ACV (actual cash value). 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.

 

Quality replacement parts

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.

 

Betterment

Our policy 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 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. The application of ‘betterment’ policies will be subject to various state regulations.

 

Vandalism and theft

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 Insurance Group 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 Insurance Group claims team.

 

Other insurance

The guest’s personal auto insurance acts as ‘primary’ to the coverage they have purchased through Outdoorsy Insurance Group. If other sources of recovery also cover the loss, Outdoorsy Insurance Group reserves the right to pursue recovery of any claim payments.

 

Towing expenses

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 Insurance Group 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 Insurance Group is not liable for towing costs.