As an Owner
To ensure that your upcoming reservation is insured:
- Go to "View Details" in the Reservations tab and select the reservation in question.
- Scroll midway down the page to the section titled "Insurance."
- Here, you can see whether you've completed the process or if your renter still needs to submit to a background check (if they've not yet submitted their information, this section will display "no confirmed drivers;" in order for insurance to qualify, there must be at least one confirmed driver).
- If this section is not visible, this indicates that your vehicle is not yet covered by Outdoorsy insurance.
- To remedy this, return to your listings and click on the "Apply for our $1M insurance protection" button to complete the insurance process.
The process to qualify for insurance is as follows:
Submit your vehicle / trailer details (including VIN number) for verification on the Outdoorsy platform through the "List Your RV" dropdown or in your Listing section. Once you've completed that step, we will immediately let you know which plans your vehicle qualifies for.
Plan 1 (for vehicles made since 2000, trailers, or Volkswagon models): Full commercial $1 million liability, $200K comprehensive, and $200K collision insurance during each rental reservation on Outdoorsy.
Plan 2 (for vehicles made in 1999 or before): Commercial $75K comprehensive, and $75K collision insurance during each rental reservation on Outdoorsy.
Once you confirm a reservation for your vehicle, your renter must complete a DMV background check in order for the Outdoorsy commercial insurance to cover the rental period. As an owner, make sure that the driver(s) of each rental have submitted and passed the DMV background check. If there are multiple drivers, each must submit their details for a background check. For coverage to stay in effect, drivers who fail the background check cannot drive nor tow the rental vehicle.
While renting a vehicle/trailer on Outdoorsy, each owner agrees to have regular inspections of the tires, brakes, gas, and electrical systems in order to keep continued commercial coverage for each rental.
- Tires should be checked prior to every rental - you can do this yourself and do not need to go to an RV inspector)
- All others (brakes, gas, and electrical systems) must be formally inspected within 90 days of a rental - for example, if five rentals occur within a 90 day period, all five are covered by one inspection.
As a Renter
Everyone who would be either driving or towing your vehicle or trailer during the rental period must undergo a DMV background check. If they fail, they will not covered by Outdoorsy's commercial insurance, meaning the vehicle they're driving will not be covered by insurance, and therefore they should not operate your vehicle.
Even if the vehicle is not moving during the rental period (i.e. delivery and setup by owner), it is a good idea to still go through this process so that if any accidents occur during the rental period, both the owner and renter are covered.