Protection Packages for Canada

We get that renting out your RV can be both an exciting and scary decision — that’s why we go above and beyond to give you maximum protection when you share your rig with the world. From our Liability policy to our Comprehensive and Collision coverage, we’ve revolutionized insurance options to keep you covered when you rent with Outdoorsy.

Outdoorsy is the only peer-to-peer RV rental platform to provide commercial insurance for qualified guests and hosts renting on Outdoorsy when the host’s personal RV insurance would not apply.

How does it work?

Outdoorsy has partnered with Aviva and the Insurance Corporation of British Columbia (British Columbia only) to ensure the safety of our guests and hosts for qualified vehicles. Please note that any motorized unit or trailer with a salvage or rebuilt title history does not qualify for coverage. If the vehicle does not qualify for coverage, hosts can ask their guests to obtain an insurance binder from a third-party insurance company for securing Liability insurance.

Guests can choose between three levels of protection packages, which feature tiered deductibles. The guest is responsible for these deductibles, which can range from CAD $500 to CAD $1,500 for Liability and Comprehensive and Collision coverages in the event of a damage claim.

What are Outdoorsy’s Protection Packages?

We offer three different levels of protection so guests can choose the most suitable level of protection for their needs.

Essential

Motorized: Alberta, Ontario, and Quebec

• Comprehensive and Collision: up to the actual cash value
• Liability limit: CAD $2,000,000
• Guest deductible: CAD $1,500

Trailers: All provinces (except BC—see below)

• Comprehensive and Collision: up to the actual cash value
• Liability limit: CAD $2,000,000
• Guest deductible: CAD $1,500

Motorized and trailers: British Columbia

• Comprehensive and Collision: up to the actual cash value
• Liability limit: CAD $200,000
• Guest deductible: CAD $1,500

Preferred

Motorized: Alberta, Ontario, and Quebec

• Comprehensive and Collision: up to the actual cash value
• Liability limit: CAD $2,000,000
• Guest deductible: CAD $1,000

Trailers: All provinces (except BC—see below)

• Comprehensive and Collision: up to the actual cash value
• Liability limit: CAD $2,000,000
• Guest deductible: CAD $1,000

Motorized and trailers: British Columbia

• Comprehensive and Collision: up to the actual cash value
• Liability limit: CAD $200,000
• Guest deductible: CAD $1,000

Peace of Mind

Motorized: Alberta, Ontario, and Quebec

• Comprehensive and Collision: up to the actual cash value
• Liability limit: CAD $5,000,000
• Guest deductible: CAD $500

Trailers: All provinces (except BC—see below)

• Comprehensive and Collision: up to the actual cash value
• Liability limit: CAD $5,000,000
• Guest deductible: CAD $500

Motorized and trailers: British Columbia

• Comprehensive and Collision: up to the actual cash value
• Liability limit: CAD $200,000
• Guest deductible: CAD $500

The following services are also offered on all purchased Outdoorsy Protection Packages as a courtesy to our guests: 

• 24/7 Customer Support
• Windshield coverage
• Roadside assistance
• Concierge services via Coach-Net
• Mobile Mechanic via Coach-Net
• RV Technical Assistance via Coach-Net

When does Outdoorsy’s coverage begin and end?

Outdoorsy offers episodic insurance, meaning that coverage lasts for the duration of the rental period that the guest books on our platform.

Coverage for guests goes into force when you hand the keys to an approved driver at the start of the approved booking dates and ends when that driver hands you the keys back at the end of the rental period or drops the vehicle and keys off at an agreed location.

What steps should be taken to be protected?

Hosts should ensure that the booking shows coverage is in place prior to each booking, that required pre- and post-trip photos are taken, and that keys are handed to a verified driver.  During the booking process, guests will be asked for payment information, driver’s license information, and, in some cases, more background information so we can verify that you meet our eligibility and protection requirements. In most cases, the driver verification process is quick and easy. When you pass your driver verification and any additional background verification steps that are required, your protection will be activated and you will be covered from the moment you pick up the keys to the RV. 

Outdoorsy’s Protection Packages cover vehicles for travel into the United States, but please confirm directly with the host before taking the vehicle across the border, as they will always have the final say on whether or not this is allowed. Our protection does not cover rentals that travel into Mexico.

As the host, will my personal RV insurance cover me during the rental period?

Your personal policy will cover your vehicle for your personal use but usually does not apply when your vehicle is being rented out. If they learn that you are renting, they might deny your claims or even drop your coverage entirely. 

What happens if the vehicle gets damaged during a rental?

The road is a wonderful place to be, but every once in a while there are bumps along the way. As hard as we fight against this, there’s always that small chance that damage is caused to the vehicle.

To start a claim:

• Log into your Outdoorsy account
• Visit the “Booking Details” page
• Scroll down to the “Actions” section
• Click “File a Claim”
• A member of our claims team will reach out to you with next steps

Important: All claims must be submitted within 48 hours following the end of the booking and pre- and post-trip photos must be taken.

For your claim to be complete, we may require the following be submitted:

• Pre-trip and post-trip photos taken within 48 hours of the trip
• Your most recent 90-day inspection form
• Completed and signed return/departure forms for your RV type:
  • Driveable RV Departure form
  • Driveable RV Return form
  • Towable RV Departure form
  • Towable RV Return form

Once your claim has been received, our dedicated team will review your booking details and send you further information regarding the next steps. 

Remember that as a guest, communication with the host from the start of a rental request is very important. If you have any questions or need some tips on how to prevent common incidents, take advantage of our Outdoorsy message section and start the conversation!

How to communicate with the team:

If you wish to speak to someone at Outdoorsy’s claims department to iron out the details, our team is available from 9-4:30 pm CST, Monday through Friday to address your concerns at 855-441-2006. You can also reach out to them through [email protected].