Hah! I'm saying as much as I can say. We aren't our own underwriters -- Berkley Insurance is. That's a good thing, they're arguably the most trusted and most established auto insurance underwriters out there.
When we started working with them, they gave us a 15 year lookback from the time we launched. There's been no mention of that ever changing, it was just a place to start.
Did you know that this is some of the first commercial insurance for RV rental offered through a marketplace company? We believed that the insurance industry was overlooking the RV rental space, and we found a vendor that was willing to trust in our RV community. We believed that renters would take better care of RVs than insurers thought they would, and that there was an overlooked opportunity in offering coverage to RV renters.
15 years actually might have been a little conservative! In fact, we've worked with them to expand that for vintage volkswagons and all travel trailers. Now your 1990 Vanagons and Westfalias are covered, along with all your airstreams. .
As to the adjustments that will be made, I can only offer you my best personal guess about how this will shake out. Based on how well our renters are taking care of our owner RVs, I believe that the 2000 cut off will stay for at least a few more years. The needle might even be more likely to go in the other direction, and we might be able to fully cover even older models. But again, this is a personal thing I'm sharing with you, as Logan-who-is-just-an-observer. Really, it depends on the data -- do older vehicles break down more often? Or are they actually more reliable? We're finding that out.
Speaking as Outdoorsy again, we are partners in this insurance game, not providers. Ultimately it is up to Berkley Insurance as to how they set their rates.
Ok, I know that doesn't directly answer your question. Kind of a long way of saying 'I don't know'. But I would say that if I were buying and wanting to rent, that the models between 2006-2010 seem to hit that sweet spot on pricing and reliability.
Let us know what you decided to do?