Outdoorsy Protection Package Coverage Outline

PLEASE READ THESE TERMS OF SERVICE CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION THAT AFFECTS YOUR RIGHTS, REMEDIES, AND OBLIGATIONS. THEY INCLUDE AN AGREEMENT TO ARBITRATE (UNLESS YOU OPT OUT). THESE TERMS ALSO INCLUDE A PROHIBITION OF CLASS AND REPRESENTATIVE ACTIONS AND NON-INDIVIDUALIZED RELIEF FOR ALL CLAIMS AND MATTERS IN EITHER COURT OR ARBITRATION, VARIOUS LIMITATIONS AND EXCLUSIONS, A CLAUSE THAT GOVERNS THE JURISDICTION, VENUE, AND GOVERNING LAW OF DISPUTES, EXCEPT WHERE PROHIBITED, AND OBLIGATIONS TO COMPLY WITH APPLICABLE LAWS AND REGULATIONS.

This document provides details on Outdoorsy Protection Package coverage. If any provision of this document conflicts with the Terms of Service, the Terms of Service will control.

Modification of Terms

Outdoorsy reserves the right to update or modify these Terms of Service at any time to reflect changes in the platform, carrier requirements, legal requirements, or business practices. Any updates will be effective upon posting the revised Terms on the platform, with the "Last Revised" date updated accordingly. The defined terms in the Outdoorsy Terms shall apply here.

All parties will be notified of significant changes to the Terms, either through the platform or via the email address associated with their account. Continued use of the platform after the revised Terms have been posted constitutes acceptance of the changes.

All parties are encouraged to review the Terms regularly to stay informed of any updates. If any party disagrees with any modifications, they may discontinue use of the platform. Outdoorsy assumes no liability for any losses resulting from a Client’s failure to review updated Terms.

Overview

The Outdoorsy Protection Package provides coverage to mitigate risks for both Hosts and Guests during vehicle rentals conducted through the Outdoorsy platform. Offering liability coverage, physical damage protection, and support for claims management, the Protection Package ensures a smooth and secure rental experience. Coverage is subject to the terms, conditions, and exclusions outlined herein.

The Outdoorsy Protection Package provides coverage for both Recreational Vehicles (RVs) and Automobiles (Autos) under specific terms. The structure of coverage varies depending on the type of vehicle.

Vehicle excess offerings and protection plans

Outdoorsy is not an insurance company and does not directly insure Hosts or Guests. Insurance policies are issued by separate entities, which provide coverage for Hosts and Guests. However, Outdoorsy facilitates access to optional protection plan bundles, allowing Guests to choose additional coverage options.

Coverage Structure:

For RV Rentals:
- Auto Physical Damage: Coverage is excess, meaning the Guest’s personal auto insurance serves as primary auto physical damage coverage.
- Liability: Coverage is excess, meaning the Guest’s personal auto insurance serves as primary liability coverage.
For Auto Rentals:
- Auto Physical Damage: Coverage is primary, meaning Outdoorsy’s protection applies first.
- Liability: Coverage is excess, meaning the Guest’s personal auto insurance serves as primary liability coverage.

Except for Auto Physical Damage for Auto Rentals, these optional protection plans (sometimes referred to as “bundles”) are considered excess coverage, meaning that a Guest’s personal insurance serves as the primary coverage. In the event of a claim, the Guest’s primary insurer is responsible for defense and indemnification, while Outdoorsy’s excess coverage applies above and after the Guest's primary auto insurance limits.

To qualify for the benefits of a protection plan, both Hosts and Guests must comply with Outdoorsy’s Terms of Service. These protection plans are offered only in jurisdictions where such coverage is legally permitted.

Outdoorsy’s protection plans may provide excess coverage for qualified Vehicles and Verified Drivers that meet Outdoorsy’s approval criteria. Qualification criteria for Vehicles include, but are not limited to, considerations of the Vehicle’s age, type, and value, at Outdoorsy’s sole discretion.

Protection Packages are available exclusively to Guests during the rental period, provided that:

Guests have successfully completed Outdoorsy’s verification process, resulting in a Verified Driver designation.
Pre- and post-trip photos of the Vehicle are uploaded through the Services, documenting its condition at the start and end of the rental.
The keys are provided exclusively to a Verified Driver.
Any claim is filed within 48 hours of the end of the rental period.
These conditions ensure that the protection plans maintain their integrity and provide coverage only in compliance with Outdoorsy’s guidelines and standards.

Eligibility

The Services are intended solely for persons who are 18 or older (the “Minimum Age”).

However, the minimum age to rent or operate a Vehicle via the Services vary based on the vehicle type. Any use of the Services by anyone who does not meet the age requirements is prohibited.

Outdoorsy reserves the right in its sole discretion to deny use of the Services to any individual.

Guest Eligibility Criteria

To rent, operate, tow, or use a Vehicle with an Outdoorsy Protection Package, Guests must meet the following requirements:

For RV Rentals:

Must be at least 21 years of age to rent a stationary delivered RV.
Must be at least 25 years old to rent or operate a moveable RV.
Must hold a valid, non-temporary driver’s license. If the license is non-U.S., a passport and an international driving permit may be required.
Must have a minimum of three years of licensed driving experience.
Must have no major driving violations in the past three years (e.g., suspended or expired license, reckless driving, speed contests).
Must not have any alcohol- or drug-related driving offenses in the past seven years.
Must have no more than two violations or accidents combined in the past three years.
Must complete Outdoorsy’s driver verification process to be designated as a Verified Driver.
Must maintain a personal auto insurance policy (Outdoorsy does not verify personal insurance coverage).
Must possess a mobile phone in your own name that we can verify through text message.

For Auto Rentals:

Must be at least 25 years old to rent or operate an automobile.
Must hold a valid, non-temporary driver’s license. If the license is non-U.S., a passport and an international driving permit may be required.
Must have a minimum of two years of licensed driving experience.
Must have no major driving violations in the past three years (e.g., suspended or expired license, reckless driving, speed contests).
Must not have any alcohol- or drug-related driving offenses in the past seven years.
Must have no more than two violations or accidents combined in the past three years.
Must complete Outdoorsy’s driver verification process to be designated as a Verified Driver.
Must possess a mobile phone in your own name that we can verify through text message.

Driver Verification

Outdoorsy has a multi-faceted approach to risk assessment, mitigation, and management to promote a safe and trusted platform. Where permitted, Outdoorsy has the right, but not the obligation, to undertake screenings, checks, and engage in processes designed to: (1) help verify the identities or check the users of the Services, including driving history and driver’s license validity, (2) help verify insurance history and insurability, and (3) help verify details. However, Outdoorsy does not endorse any user, users’ background, Vehicle,, nor does Outdoorsy commit to undertake any specific screening process.

Guests will receive a request to become Verified Drivers themselves or add additional Verified Drivers to a Vehicle Booking. Any individual who is not the original Guest but elects to complete the process of becoming a Verified Driver agrees to these Terms in their entirety as part of the verification process.

The designation of “Verified Driver” means that Outdoorsy has conducted a basic review using third-party vendors to validate the individual’s driver’s license.Outdoorsy reserves the right, but is not obligated, to conduct further screenings or background checks. However, Outdoorsy does not endorse, warrant, or guarantee the safety or reliability of any individual identified as a Verified Driver.

Outdoorsy may in its sole discretion use third-party services to attempt to verify the information you provide to us and to obtain additional related information and corrections where applicable, and you hereby authorize Outdoorsy to request, receive, use, and store such information. These checks, while not comprehensive, assess a wide range of available inputs from multiple public sources.

Key Exchange

The Key Exchange is a critical component of the Outdoorsy Protection Package, representing the formal transfer of possession of the rented Vehicle between the Host (or their authorized representative) and the Guest. This process may involve physical keys, virtual keys, or access codes. The Key Exchange must be conducted exclusively with a Verified Driver, as this is a mandatory condition for activating the Outdoorsy Protection Package.

Responsibilities for Pick-Up and Return Locations

Hosts and Guests are solely responsible for determining and coordinating pick-up and return locations. Outdoorsy does not oversee, determine, or supervise these arrangements and disclaims any liability arising from them. Both parties are encouraged to select safe, accessible, and mutually agreed-upon locations. Outdoorsy does not manage or validate these locations and assumes no responsibility for issues arising from their selection.

Steps to Complete the Key Exchange

To ensure compliance with Outdoorsy’s requirements and maintain eligibility for the Protection Package, the following steps must be completed during the Key Exchange:

Verification of Driver

The Host must confirm that the individual receiving the Vehicle is listed as a Verified Driver in the booking details.
If no Verified Driver is present at the Key Exchange, the Outdoorsy Protection Package will not be activated, and the Vehicle should not be released.

Vehicle Inspection

The Guest must conduct a thorough visual inspection of the Vehicle at both pick-up and return.
The inspection must include documenting the Vehicle’s condition with same-day photos at departure and return, clearly showing the state of the Vehicle, including any pre-existing damage.
Photos must be time-stamped, unaltered, and uploaded through the Outdoorsy platform to serve as valid evidence in the event of a claim.

Completion of Documentation

Both the Guest and Host must sign and date the in-app Vehicle Departure Checklist during the Key Exchange, noting any pre-existing damage or defects identified during the inspection.
This documentation ensures mutual acknowledgment of the Vehicle’s condition at the start and end of the rental period.

Timing and Coverage Details

Coverage under the Outdoorsy Protection Package begins and ends with the Key Exchange, as specified in the booking details.

The Key Exchange must occur on the exact dates and times outlined in the reservation receipt.

Early returns, late pick-ups, or failure to complete the Key Exchange with a Verified Driver will result in suspension, termination, or denial of coverage.

Covered Guests

A Guest qualifies for protection for Outdoorsy bookings if they are at least 25 years old, purchase a Protection Package, and pass our driver verification process—which includes a background check and ID verification. However, even if a person passes our driver verification process, a violation of the Guest’s duties (below) or Outdoorsy’s Terms of Service will void coverage.

Please note that, for Stationery bookings, the minimum required age is 21 years old.

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 Outdoorsy dashboard. Guests must also confirm that they passed the Outdoorsy driver verification process; at least one verified driver is needed for the rented vehicle to qualify as covered.

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.

Deductibles

The deductible for Comprehensive and Collision coverage is 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. The Guest is fully responsible to the Host for any outstanding damage costs.

Insuring Agreement

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 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 (see definitions above) 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:

Vehicles without clean title (e.g., for coverage the vehicle must have a non-salvaged/non-branded/non-washed/non-written off).
Optional Add-ons or personal property, including aftermarket installations (e.g., equipment racks), that are taken from your vehicle or damaged during a trip. Further, in no event is Outdoorsy responsible whatsoever for the safety or condition or state of operation of any Host-included Add-on, and the Host is solely and completely responsible for such Add-ons and shall fully indemnify Outdoorsy in the event of any losses or claims or injuries resulting from the use of any Add-on. Remove all personal property before making your vehicle available for a reservation.
Awnings, Tire & Wheel, Electrical, Mechanical, and Slideout damage that is not a direct result of a collision or comprehensive losses determined by Outdoorsy.
Costs related to loss of use, lost revenue, business interruption, loss of personal use, diminished value or transportation (or towing) are not covered by Outdoorsy.
Alternative accommodation, and/or transportation costs accrued because of an incident are not covered by Outdoorsy.
Interior damage. Guests can purchase the optional Damage Protection for interior damage coverage.
Losses caused by mechanical or electrical breakdown or failure, normal wear and tear*, lack of maintenance, or damages incurred over time. 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.
Coverage for the storage or placement of any type of fuel, including diesel, water, or any other contaminant into any holding or storage tank not intended or designed for such use.
*Normal wear and tear; 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.
Damages caused by the manufacturer or repair defects.
Any part or equipment that is damaged as a direct result of freezing, winterization, or lack of mitigation.
Damages caused by war, riot, terror, political unrest, biological/chemical, nuclear, or radioactive contamination.
Damage to any electronic equipment or accessories—sound, visual, data signals, etc.—unless they are required for the normal operation of the vehicle.
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.
Damage caused by operating at excessive speeds or while participating in any form of racing.
Damages caused by the off-road use of the vehicle or any activity other than the vehicle’s designed or intended purpose.
Damages caused by a Guest’s negligence, a Guest’s misuse of a vehicle, or if a Guest operates it in violation of Outdoorsy’s Terms of Service.
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.
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.
Rentals entering or attempting to enter Mexico.
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.
Any incident involving third parties where a police report was not filed and provided.
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.
Damages caused by an intentional act, or the intentional act(s) of others at your, or the Host’s, direction.
Any damage that occurs while in violation of local, state, and federal law—including DUIs and reckless driving.
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.
Damage under a Stationary Protection Package where the Guest moves the vehicle. In fact, coverage will be voided if the Guest moves the vehicle at any time during a Stationary booking.
If you violate the Agreement, the Terms of Service, or any of our Policies or if you submit inaccurate information about your vehicle when listing it on the Services (for example, falsely represent the make, model, or year of the vehicle), any protection plan selected will be voided. A protection will be voided under this provision even if the underlying circumstances are not directly related to the damage or harm at issue. You acknowledge that these provisions are material and that they serve to ensure your compliance. In the event your protection plan is voided, the remainder of the Agreement, these Terms, and our Policies remain in effect.

Missing Vehicles / Theft / Abandonment

If a protection plan is selected via the Services and the Vehicle goes missing, is not returned, abandoned, and/or is stolen during the reservation period (or extension period), you, as the Host, must immediately contact an Outdoorsy representative and follow his or her instructions, including cooperating with Outdoorsy, the police, and any other authorities in all related to the investigation of the theft. If you are instructed by Outdoorsy to file a police report, you must do so within 24 hours of receiving those instructions.

The following conduct may result in the reporting of the Vehicle a Guest has Booked as stolen to law enforcement, possibly subjecting the Guest and any other driver or occupant to arrest, and civil and/or criminal penalties, and the voiding of your bundle or protection plan:

If you fail to return the Vehicle you booked at the time and place agreed upon with the Host and/or designated in your Booking;
If you do not return the Vehicle by the end of the Booking period and you have not properly obtained an extension of the Booking through the Services;
If the Vehicle is returned to any place other than the return location on the Booking or agreed upon with the Host. Any damage to, or loss or theft of, a Vehicle occurring prior to the Host inspecting the Vehicle upon return at the end of the Booking is the Guest’s responsibility;
If you misrepresent facts to the Host pertaining to Booking, use, or operation of Vehicle;
If the Vehicle’s interior components are stolen or damaged or the Vehicle itself is stolen or damaged when the Vehicle is left unlocked or running or unattended with the keys not secured during Booking period;
If you fail or refuse to communicate in good faith with the Host, police, Outdoorsy, or other authorities with a full report of any accident or vandalism involving the Vehicle or otherwise fail to cooperate in the investigation of any accident or vandalism;
If the Vehicle is operated by anyone who has given a fictitious name, false address, or a false or invalid driver’s license, whose driver’s license becomes invalid during the Booking period, who has obtained the keys without permission of the Host, or who misrepresents or withholds facts to/from the Host or Outdoorsy material to the Booking, use, or operation of the Vehicle;
The Guest who makes the Booking is responsible for any private investigation and / or towing costs Outdoorsy deems necessary to recover a Vehicle that is not returned. In addition, a $500 case administration fee will be imposed on the Guest if Outdoorsy and/or the Host has to report a vehicle as stolen to law enforcement due to it not being returned;
Outdoorsy is not responsible for the loss of vacation, personal or business time, or any incidental expenses (to include hotel, airline or other transportation, or food expenses) incurred by a Guest or Host as a result of Vehicle breakdown, abandonment or any problem(s) with the Vehicle or the Escapes accommodations, or other reason that a Vehicle or Escapes is or becomes unavailable.

Conditions and provisions

Guest duties before a loss occurs

Outdoorsy reserves the right to deny coverage under its Protection Packages if the Guest has not been fully compliant with Outdoorsy’s Terms of Service and 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 Outdoorsy dashboard.
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 and are listed as approved for coverage. If a non-verified driver damages the vehicle, the Guest’s coverage will be denied and the Guest will be responsible for the full amount of the damages.
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 may request the submission of this evidence.

Host duties before a loss occurs

Outdoorsy reserves the right to deny coverage under its Protection Packages if the Host has not been fully compliant with Outdoorsy’s Terms of Service and the following duties:

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 24 hours of departure and again within 48 hours of returning. Outside of these timelines, photos may not be accepted.

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 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 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 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 in good faith during the investigation by agreeing to Outdoorsy’s Terms of Service at the time of booking.

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 24 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.

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

If the claim is accepted and coverage is approved, a Guest’s liability for damages cannot exceed the deductible. However, if the Guest violates Outdoorsy’s Terms of Service or any section of this policy, the Guest is liable for the full amount of the loss, regardless of deductible.

Guests are financially responsible for all physical damage, theft, or vandalism occurring to the rented Vehicle during their booking period, regardless of fault. This includes damages resulting from weather or other uncontrollable events. Guests must also cover additional costs, such as missing equipment, downtime, and administrative fees, unless specifically addressed under a protection plan.

Physical damage to your vehicle

Physical damage reimbursement (US and Canada).

The protection plans available to Hosts also address the allocation of financial consequences of physical damage to the rented vehicle during a rental period. Physical damage contractual reimbursement from Outdoorsy applies to your vehicle in the event of a collision and to most comprehensive events during the trip, and is subject to terms and exclusions. Physical damage 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. Guests deductibles are applied on a per loss basis.

Outdoorsy will pay the lesser of:

The Actual Cash Value (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.

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.

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.

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.

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.

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 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 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

The Guest’s personal auto insurance acts as ‘primary’ to the 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

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’s Protection Packages provide Guests coverage for Stationary rentals. This means the Host and Guest agree that the vehicle will be delivered to a specific location. The Guest further agrees that they will not move the vehicle from that location until the Host arrives to pick the vehicle up at the end of the trip. The Guest agrees that if they move the vehicle, all coverage for the booking will be void.

Other available protection offerings:

Claims Process

After the claim is submitted, Outdoorsy or its designated claims administrators will conduct a comprehensive investigation to determine whether the reported damage occurred during the rental period and qualifies for coverage under the Protection Package. The investigation may include:

Reviewing the pre- and post-trip photos to verify the claim.
Requesting further documentation or details from the Host or Guest.
Engaging third-party specialists, if necessary, to assess the damage and validate the claim.

If the damage is deemed eligible for coverage, Outdoorsy will reimburse the Host for the loss, subject to the Protection Package’s terms and exclusions. Reimbursements will be net of any deductible if Outdoorsy cannot collect the deductible from the Guest. The amount reimbursed will be based on the repair costs, replacement value, or the Actual Cash Value (ACV) of the Vehicle, as determined by a third-party vendor and adjusted for factors such as mileage, condition, and depreciation.

Disclaimer of Warranties

Outdoorsy is not responsible for the safety, roadworthiness, or legal compliance of any Vehicle or Add-on shared through the Services. Outdoorsy’s policies require Hosts to meet minimum standards for safety and operability, but Outdoorsy does not independently verify compliance beyond these requirements. Guests and Hosts are expected to exercise diligence in inspecting and maintaining Vehicles and Add-ons, as Outdoorsy assumes no liability for deficiencies or defects.

By participating in the Services, both Guests and Hosts acknowledge these responsibilities and limitations, ensuring accountability and clarity regarding the condition and use of Vehicles and Add-ons.

Condition of Vehicles and Add-ons. No Warranties

The Vehicles and Add-ons offered through the Services are owned and managed by third-party Hosts. Each Host is solely responsible for ensuring that their Vehicles comply with all legal requirements and are maintained in a safe, roadworthy condition. This includes proper registration, insurance, and adherence to maintenance standards necessary for safe operation.

Dispute Resolution - 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 the Arbitration Agreement attached below.

BY USING OUTDOORSY, YOU AGREE TO MANDATORY ARBITRATION. PLEASE READ THIS LINKED SECTION CAREFULLY. IT CONTAINS A MANDATORY ARBITRATION PROVISION AND THEREFORE AFFECTS YOUR RIGHTS AND GOVERNS HOW CLAIMS PRESENTED ARE RESOLVED.

Dispute Resolution / Arbitration Agreement

Contact Information

Customer Service

Call us at 1-877-723-7232 Mon – Sun, 24 hours a day
Chat with us on Outdoorsy.com Mon – Sun, 24 hours a day
Email us at support@outdoorsy.com

Claims Reporting

Contact us via your profile https://www.outdoorsy.com/dashboard
Call us at 1-855-441-2006
Email us at claims@outdoorsy.com