Outdoorsy offers an industry-first “person to person” $1M insurance policy that covers recreational vehicles and tow vehicles for all qualified domestic and international travelers.
Our insurance program provides $1M in liability coverage for the duration of the RV/motorhome rental period for all verified renters in a certified vehicle. The coverage takes effect when rentals are processed on Outdoorsy.co.
This is a fully comprehensive, first-of-its-kind, person-to-person insurance program for any vehicle (model year 2000 and newer) and user certified by Outdoorsy. The Policy provides $1,000,000 in liability coverage for all certified vehicles, renters, and owners on a per-rental, per-vehicle basis.
The Outdoorsy insurance process is fully automated, completely paperless, and only takes a matter of minutes for each user. Coverage is automatic for every certified vehicle on Outdoorsy with any renter who passes their DMV check. Users will need to pass a DMV check once every twelve months.
Our insurance program covers RVs, camper vans, stationary and vintage trailers, non-mobile “destination campers” and towing vehicles. If you have a tow vehicle that you want to rent with your trailer, both are covered under this policy.
We also covers vehicles that enter the country of Canada. We do not cover rentals that enter into Mexico.
Our insurance policy will pay from the first $1 up to the full $1M of liability coverage. For comprehensive and collision claims up to $200,000, the deductible is just $1,500 per rental period. If an incident occurs, Outdoorsy is responsible for collecting the $1,500 deductible from the renter. There are no premiums under Outdoorsy coverage.
What does this mean for the RV owner?
With the insurance program in place, you’re free to rent your RV to verified renters who pass a DMV background check. This is accomplished via our nation-wide integration to the US Motor Vehicle database.
RV Owners can download an Insurance Certificate ID Card if needed. The ID card will be made available in the documents section of your owner’s dashboard for easy downloading and printing.
What is the qualifying criteria for RV liability insurance?
All verified rentals that take place on the Outdoorsy platform are automatically covered by our $1M insurance program, as long as the following criteria are met:
- Motorized RVs must be model year 2000 or newer, with the exception of travel trailers, Westfalias, and campervans. Travel trailers and towables have no year restrictions.
- If the rental includes a tow vehicle, the tow vehicle must be model year 2000 or newer and have no more than 150,000 miles.
- Within 90 days of any rental, each vehicle is required to pass an inspection of:
- LP Gas
- Electrical system
- All vehicles must be registered and in safe condition.
- All vehicles must be certified through Outdoorsy.
- To do this, owners must complete the form located under the Insurance tab while editing their listing.
- All renters must complete and pass a DMV record check before renting.
- Only transactions conducted through Outdoorsy qualify for the $1M in coverage
What does this mean for renters?
Renters no longer need to obtain binders or procure separate rental insurance. Each renter, upon a successful RV booking request on Outdoorsy, will submit his or her driver’s license number. From there, Outdoorsy connects to the U.S. Dept. of Motor Vehicles databases to perform a DMV history check. This check verifies the renter’s identify and confirms the renter's driving history. Upon passing the DMV check, the renter is automatically granted liability insurance coverage for the rental period provided the vehicle they're renting qualifies for Outdoorsy's liability insurance.
The DMV process takes only a few minutes and applies across all 50 states as well as the US Virgin Islands and Puerto Rico. Upon receiving a “pass” via the DMV History Check, the renter will be automatically insured to rent your RV.
What is the qualifying criteria for renters:
- Renters must be at least 25 years old
- Renters must have a valid Driver’s License
- Renters must pass the Outdoorsy’s DMV history check. Results will be either “pass or fail.” A "pass" indicates automatic insurance coverage. A “fail” is reported when a user has a recent DUI, a suspended license, 2 speeding tickets over the last 12 months exceeding 20 MPH over the speed limit, or two negligent collisions in the past 12 months
- If a renter is international (does not hold a US driver’s license), they must have an international driver permit and valid passport and must pass the Outdoorsy international DMV history check
What vehicles are included?
- Class A
- Class B
- Class C
- Travel Trailers
- Tow Vehicles
Some Helpful Definitions
Liability: If you’re found to be at fault in an accident, liability coverage will help pay for damage to another person’s property (property damage liability) or for costs associated with their injuries (bodily injury liability) that you caused.
Comprehensive & Collision: This covers property damage to the RV owner up to $200,000 (for vehicles year 2000 and newer).
Insurance Coverage Overview:
- Coverage extends to U.S., U.S. Territories, Puerto Rico, US Virgin Islands and Canada (travel must originate in the US).
- Coverage includes both Domestic and International Travelers.
- Insurance is only valid for rentals booked and transacted on the Outdoorsy website.
- Insurance covers all qualified vehicles listed and rented on Outdoorsy, up to $200K in physical damage to the rented vehicle, per incident, per rental.
- Outdoorsy provides the minimum compulsory limits in those states where an uninsured or under-insured motorist is responsible for a bodily injury loss and does not have insurance to cover the bodily injury loss.
- The Outdoorsy insurance policy does not replace the owner's personal insurance policy.
Frequently Asked Questions