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. Coverage is tailored for each guest and the Protection Package they purchase. The information contained herein is relevant to the guest and the 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.
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.
Guests can choose between four different Protection Packages for their trip: Essential, Preferred, Peace of Mind, or Stationary.
Each package offers Liability, Comprehensive and Collision, and an array of additional services (Stationary coverage varies, see below). Guests will choose from these packages during the booking process on eligible rentals. Deductibles vary for each Protection Package and are impacted by the class of the vehicle rented (among other things).
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.
Outdoorsy 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.
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.
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.
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.
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.
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:
Outdoorsy reserves the right to deny coverage under its Protection Packages if any party(ies) has not been fully compliant with Outdoorsy’s Terms of Service and the following duties:
In addition to the pre-loss requirements above, guests have several after-loss duties to fulfill when seeking coverage:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.