Comprehensive and collision coverage for hosts (US rentals)

Overview and declarations information

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.

Covered host

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.

Covered vehicles

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.

Any vehicle that does not meet—and maintain—the safety standards outlined by Outdoorsy’s 90-day inspection and Outdoorsy’s Terms of Service will be disqualified as a ‘covered vehicle’.

Episodic coverage

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.

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. 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.

Deductibles

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.

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; it is accessible from either parties’ Outdoorsy dashboard.

Insuring agreements

Covered damages

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.

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 does not cover the following:

1. Losses caused by mechanical or electrical breakdown or failure, normal wear and tear*, lack of maintenance, or damages occurring 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.
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. Any part or equipment that is damaged as a direct result of freezing, winterization, or lack of mitigation.
4. Damages caused by war, riot, terror, political unrest, biological/chemical, nuclear, or radioactive contamination.
5. Damages caused by the manufacturer or prior repair defects.
6. Damages incurred where a host has not taken all necessary steps to respond to a manufacturer or NHSTA safety recall issued on their vehicle.
7. Damage to any electronic equipment or accessories—sound, visual, data signals, etc.—unless they are required for the normal operation of the vehicle.
8. Loss of personal property belonging to either the host or the guest. However, guests are responsible for host property that has been lost or damaged during the trip.
9. Loss to a vehicle that is not approved for coverage, not registered, or not in compliance with Outdoorsy’s safety, inspection, and maintenance requirements.
10. If keys are not handed off to a verified driver at the start of the trip, host coverage will be denied.
11. Interior damage is not covered under Outdoorsy’s Comprehensive and Collision policy; guests can purchase the optional Damage Protection for interior damage coverage.
12. Our Protection Packages do not extend to rentals entering or attempting to enter Mexico.
13. 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 following the loss.
14. A Police report is required for any incident involving third parties.
15. Costs related to loss of use, lost revenue, business interruption, loss of personal use, or transportation (or towing) are not covered by Outdoorsy.
16. 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.
17. Damages caused by an intentional act, or the intentional act(s) of others at your, or the guest’s, direction.
18. Damages caused by a tire blowout, unless the blowout is the direct result of a Comprehensive or Collision event. This includes (but is not limited to) incidents involving tires or wheels that are deemed faulty, defective, impacted by age, or having less than 50% tread depth. In addition, improperly sized or load-rated tires—or the use of summer tires in winter conditions—are also not covered.
19. Any vehicle that is not permitted to be licensed by federal, state, or local law.
20. Damages caused by the off-road use of the vehicle.

Conditions and provisions

Outdoorsy reserves the right to deny coverage under its Protection Packages if a party(ies) have not been fully compliant with Outdoorsy’s Terms of Service and the following duties:

Host duties before a loss occurs

• Ensure the vehicle is approved for coverage: Prior to taking bookings, the host is responsible for ensuring that their listed vehicle has passed our insurance approval process.
• Get the 90-day inspections: Hosts 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 hosts perform the inspections (in lieu of a mechanic), photos or other applicable documentation (in addition to the Inspection form) may be required for coverage to be considered.
• Make sure the keys are handed off to a verified driver: At the start of each trip, hosts must review the verified drivers from their Outdoorsy dashboard. The keys must be handed off to a verified driver or the host’s coverage will be denied.
• Perform pre-trip and post-trip inspections and take photos: Immediately before releasing the vehicle, the host needs to complete a full inspection of the interior and exterior of the vehicle with their guest. During the inspection, take photos to document its condition immediately before the trip starts and immediately after the trip ends. Photos must be submitted within 48 hours of departure and again within 48 hours of returning. Outside of these timelines, photos may not be accepted.

Host duties after a loss

In addition to the pre-loss requirements above, the host must also meet the following after-loss duties when seeking coverage:

• Give prompt notice of loss: All damages must be reported to Outdoorsy within 48 hours of the trip’s end date. Damage reported outside of the 48 hour filing window may not be considered. Notice should also include the name and contact information (including phone number and email address) of any other party(ies) involved. If the loss was caused by theft or vandalism, promptly notify the police; either party—the host or the guest—can file the police report.
• Hosts must mitigate damages: Reasonable steps must be taken to protect the vehicle from additional damage after a loss. It is the host’s responsibility to ensure that the vehicle sustains no additional damage while the claim is being investigated. Outdoorsy will reimburse reasonable expenses incurred to mitigate damages; please submit receipts and/or invoices.
• Submit proof of loss and proof of ownership: In order to investigate the claim, we need a ‘claim statement’ to be filed; hosts can do this from their Outdoorsy dashboard. A host’s pre- and post-trip photos (as mentioned above) help to substantiate their claim. Hosts also need to submit copies of their most recent 90-day inspection (per Outdoorsy’s requirements) and the appropriate documentation confirming proof of ownership—e.g. a copy of the title/registration, a letter from a lienholder, a bill of sale, purchase agreement, etc.
• Make the vehicle available: In addition to the initial photo and documentation submission, we need to inspect and appraise the damaged property during our investigation and before its repair or disposal. Hosts help make this process speedy by granting us permission to inspect the vehicle.
• Cooperate with the investigation: The host agrees to cooperate with and assist Outdoorsy in good faith during the investigation, per Outdoorsy’s Terms of Service.

Abandonment and salvage

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.

Arbitration agreement

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.

Fraud and misrepresentation

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.

Limitations

Limit of Liability coverage

Outdoorsy will pay the lesser of:

• The ACV of the 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 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.

Storage mitigation

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.

Actual cash value

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.

Diminished value

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.

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 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.

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 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.

Other insurance

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.

Towing expenses

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.

Additional supplementary coverages

Stationary / delivery coverage

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.

Other available protection offerings

• Damage Protection
• Windshield coverage
• Accident Interruption policy
• Protection Packages

Other resources

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.