Physical Damage Coverage for Outdoorsy Owners (US Rentals)

Physical Damage Coverage for Outdoorsy Renters (US Rentals)

Outdoorsy includes windshield coverage in all of our protection packages. Renters purchase these packages to cover the rented vehicle during the rental period.
If windshield damage caused by a collision or comprehensive event occurs during the rental period, Outdoorsy&#8217;s windshield coverage may:
<ul>
<li>Repair chips or cracks not in the field of vision at no additional cost to the renter or owner.</li>
<li>Replace the windshield, in which case the renter will pay a deductible.</li>
</ul>
Please note, the following would not be covered:
<ul>
<li>Cracks originating from neglected chips that have increased in length or severity over time or after successive trips.</li>
<li>Dry, cracked, brittle, or loose weather stripping around windshield / windows due to aging.</li>
<li>Peeling or nicks to window tint, flexing, or bracing of the windshield or windshield moldings. </li>
<li>Any damage not caused by a collision or comprehensive event.</li>
</ul>
RV owners can file windshield claims from the Bookings Details page of the trip during which the damage occurred. Learn more about <a href="https://www.outdoorsy.com/help/how-do-i-file-a-claim" target="_blank" rel="noopener">filing claims</a>.

What does Outdoorsy’s windshield coverage include?

For our full Owner Protection Policy, please click <a href="https://www.outdoorsy.com/help/physical-damage-coverage-for-outdoorsy-owners-us-rentals" target="_blank" rel="noopener noreferrer">here.</a>
Let’s break it down. Our Comprehensive and Collision coverage for exterior damages is available to RVs, travel trailers, fifth wheels, toy haulers, truck campers, campervans, sports mobiles, and certified Westfalias, VW campers, and vintage units. Note that this excludes tow vehicles unless they’re also listed on Outdoorsy and rented at the same time as the trailer. Tow vehicles must be approved for coverage separately from a trailer.
Older Westfalias, VW vans, and vintage units can be covered under our Vintage Plan for both Liability and Comprehensive &amp; Collision. The Vintage Plan covers only $75,000 for Comprehensive &amp; Collision.
There is no restriction on age for trailers, as long as they pass their regularly scheduled mechanical safety inspections.
Other important considerations:
<ul class="ul1">
<li class="li5">Outdoorsy’s insurance policy doesn’t replace your personal insurance policy. Get a free <a href="https://www.roamly.com?cam=833&amp;subcam=whats-covered-by-your-insurance-what-isnt" target="_blank" rel="noopener noreferrer">RV insurance </a>quote from Roamly, our preferred insurance partner!</li>
<li class="li5">Only transactions made through Outdoorsy qualify for our $1M RV liability and up to $300,000 Comprehensive &amp; Collision insurance.</li>
<li class="li5">Interior damage is not covered under the Outdoorsy Comprehensive and Collision coverage, optional Damage Protection coverage can be purchased for interior damage protection.</li>
<li class="li5">Losses caused by mechanical failures, wear and tear, lack of maintenance, or damages occurring over time, are not covered.</li>
<li class="li5">Collision policy goes back as far as we elect on newer motorized vehicles, but a rate charge may apply.</li>
<li class="li5">Every vehicle must pass an inspection of its tires, brakes, LP, and gas, within 90 days of the reservation departure. Outdoorsy’s insurers reserve the right to request these inspection documents in the case of a claim.</li>
<li class="li5">Vehicles must be registered, meet all safety standards, and be certified through and listed with Outdoorsy.</li>
<li class="li5">All drivers, including the primary contract signer, must be verified through the Outdoorsy verification process.</li>
<li class="li5">Our coverage does not extend to rentals entering Mexico.</li>
<li class="li5">Damage as a result of vandalism or theft during the rental period must also include a police report for submission to our claims team.</li>
<li class="li5">The protection package for renters is mandatory and cannot be opted out of unless the driver has failed the verification, in which case they will need an insurance binder.</li>
<li class="li6">Loss of use for personal use or for upcoming scheduled rentals is not covered by Outdoorsy.</li>
<li>In the event a claim needs to be filed, you need to have pre-trip photos, post-trip photos, and either the <a href="https://dgx9rrgrsfte9.cloudfront.net/wp-content/uploads/2020/07/31063729/Driveable-RV-Departure-Form.pdf">Driveable RV Departure</a> and<a href="https://dgx9rrgrsfte9.cloudfront.net/wp-content/uploads/2020/07/31063654/Driveable-RV-Return-Form.pdf"> RV Return</a> forms or the <a href="https://dgx9rrgrsfte9.cloudfront.net/wp-content/uploads/2020/07/31063717/Towable-RV-Departure-Form.pdf">Towable RV Departure</a> and <a href="https://dgx9rrgrsfte9.cloudfront.net/wp-content/uploads/2020/07/31063849/Towable-RV-Return-Form.pdf">RV return</a> forms, completed and signed.</li>
</ul>

Summary of Protection Policy

Outdoorsy’s insurance covers vehicles for travel into Canada. Please confirm directly with the owner before taking the vehicle across the Canadian border. Owners will always have the final say on whether or not this is allowed.
Our insurance does not insure rentals that travel into Mexico.

Am I covered if I travel into Canada or Mexico?

Drivers must be at least 25 years of age, have a current license, and clean driving history.

Is there an age restriction for insuring renters?

Yes, your personal policy will cover your vehicle for your personal use, but does not apply when your vehicle is being rented out. If anything occurs during the rental period, your insurance provider will likely decline coverage. This gap in coverage is why Outdoorsy offers commercial rental insurance to all qualified owners.
If you are seeking personal insurance coverage that does not prohibit you from engaging in rental use, our preferred <a href="https://www.roamly.com/?cam=833&amp;subcam=do-i-still-need-to-have-a-personal-policy" target="_blank" rel="noopener">RV insurance</a> partner, Roamly, offers policies in most states. To check eligibility and get a free quote, visit <a href="http://www.roamly.com" target="_blank" rel="noopener">www.roamly.com</a>.
&nbsp;

Do I still need to have a personal policy?

Outdoorsy is the only peer-to-peer RV rental platform to provide commercial insurance for qualified renters and owners renting on Outdoorsy when the owner’s personal RV insurance would not apply.
We’re proud to partner with Assurant* on our liability insurance to ensure the safety of our renters and owners worldwide. Any renters traveling in the US (international or US-based), as well as US-based owners, can rely on Assurant for liability protection. Assurant supports our mission of providing high-quality insurance products and services to meet the needs of the Outdoorsy community.
Outdoorsy’s $1 million insurance protection program covers you, your vehicle, and every approved renter in the case of any covered incidents. Rent worry-free knowing we’ve got you covered.
For owners, you’re also protected for physical damage to your RV in the event of a collision or accident during the rental period, up to the actual cash value of your vehicle, with a maximum of $300,000. You can find the full policy details <a href="https://www.outdoorsy.com/help/physical-damage-coverage-for-outdoorsy-owners-us-rentals" target="_blank" rel="noopener noreferrer">here</a>.
Our insurance protection plans feature tiered deductibles depending on the value of the rented vehicle. The renter is responsible for the deductible, which can range from $1,000 to $4,000 on the Physical Damage and Comprehensive &amp; Collision coverages in the event of a damage claim. The deductible is the responsibility of the renter.
This insurance is embedded in the rental process with no additional premiums or monthly fees for owners. Outdoorsy’s protection is fully integrated and requires no additional effort outside of basic vehicle information from the owner and a renter background check for each rental. Outdoorsy’s coverage extends to all states (except New York), as well as vehicles traveling into Canada. (Our insurance does not extend into Mexico).
The Outdoorsy insurance policy also covers international travelers who agree to an international background check and have an international driver’s license or permit for the class of vehicle they’re renting (i.e. if they have a Class B international license, they can’t rent a Class A vehicle).
For info on our Canadian insurance coverage, please refer to the Canada section of our FAQs.
For any of your other insurance needs, there&#8217;s Roamly, Outdoorsy&#8217;s preferred insurance partner. Get a free <a href="https://www.roamly.com?cam=833&amp;subcam=insurance-overview" target="_blank" rel="noopener noreferrer">RV insurance </a>quote in 60 seconds!
*Assurant is a partner on liability insurance only.

Insurance Overview

Published Aug 29, 2022



Ready for an adventure but not the price tag that comes with it?



Outdoorsy is now partnering with PayPal to offer monthly payment plans.



About monthly payments



Just choose PayPal – Pay Later during your Outdoorsy checkout. Once you log in to PayPal, select the Pay Monthly option. 



PayPal will:



<ul><li>Determine if you qualify.</li><li>Handle all your payments, including the first — due at checkout.</li><li>Allow you to select how many months you pay over.</li></ul>



Monthly payments are for trips costing between $199 and $10,000. Interest applies.



Available in 36 U.S. states and Washington, D.C.



Our apologies to the residents of these 14 states, where monthly payments are not yet available: Alaska, Colorado, Connecticut, Hawaii, Iowa, Maine, Massachusetts, Nebraska, Nevada, New Hampshire, New York, South Dakota, Texas, Vermont.



Other payment options



You can also use PayPal for a standard checkout or to break your trip into 4 payments.



Other ways to pay on Outdoorsy include credit or debit card, Apple Pay, or Google Pay.

Pay for your trip a little at a time with monthly payments

You can update your credit card in your account at anytime.



If you have a trip booked, be sure to update your card on your trip page. Otherwise, you can update it in your account settings.



<h3>Add a new card for a trip you already have booked</h3>



<h5>If you already have a trip booked and you’d like any upcoming charges to go on a new card, use these instructions.&nbsp;</h5>



Be sure to do this when logged in to the desktop or mobile website. This functionality is not yet available on our iPhone or Android apps — sorry about that.



From the My account dropdown in the upper right, select Upcoming trips. 



Select the trip you need to update the card for. Then, scroll down to and expand the Payment &amp; cancellation section.



Under Payment details, select Change payment method. Then, open the dropdown and select Add payment method.



Once you’ve added your card, any upcoming payments for the trip will go on your new card. The card will also be saved to your account.&nbsp;



<h3>Add a new card to your account</h3>



<h5>If you don’t currently have a trip booked and just want to update your saved credit card, use these instructions.</h5>



On the desktop or mobile website, go to the My account dropdown and select Settings. From the mobile app, go to your Profile and select Settings.&nbsp;



Then, select Payment methods. From here, you can add a new payment method or remove an existing one.



And, now, you’re ready to go RVing! Thanks for being Outdoorsy.

How do I update my credit card?

<h2>OFFICIAL CONTEST RULES</h2>



Outdoorsy Get Outta Here Project Terms and Conditions



NO PURCHASE IS NECESSARY TO ENTER OR BE SELECTED FOR THE PRIZE(S).&nbsp;



A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING.



This contest (the “Contest”) is governed exclusively by the laws of the United States. Void where prohibited by law. Only offered to residents in the United States and Canada (excluding Quebec).



<h3>Contest period</h3>



The Contest begins at 5:00 pm Central Standard Time (CST) on May 23, 2022 and ends at 11:59 pm (CST) on September 5, 2022 (the “Contest Period”). During the Contest Period, Outdoorsy will select weekly potential winners (see “How to Enter” and “Winner selection and notification” for details on additional requirements regarding entry timing and winner selection process during the Contest Period. Outdoorsy reserves the right to cancel the Contest at any time and for any reason without notice.



<h3>Sponsor</h3>



Outdoorsy, Inc. (“Outdoorsy”).&nbsp;



<h3>Eligibility</h3>



The Contest is open to residents of the U.S. and its territories, the District of Columbia, and Canada (excluding Quebec) who are 21 years of age or older as of the date of entry. Officers, directors, and employees of Outdoorsy or its affiliates, and related companies, and the immediate family members (parents, children, siblings, spouse) or members of the same household (whether related or not) of such officers, directors, and employees are not eligible to participate in the Contest. Entries originating from any other jurisdiction are not eligible. The Contest is subject to all applicable Texas and US laws and regulations and is void where prohibited.



<h3>Agreement to official rules </h3>



By entering and participating in the Contest, you, the entrant, fully and unconditionally agree to be bound by these Official Rules and the decisions of Outdoorsy, which will be final and binding in all matters relating to the Contest. By participating in the Contest, you, the entrant, grant Outdoorsy permission to send you emails, which you may opt out of at any time.



<h3>How to enter</h3>



Submission of entries (the skills-test) must be made during the Contest Period. Participation consists of an entry form located behind the designated “Enter now” digital button interface from the Get Outta Here landing page at <a rel="noreferrer noopener" href="https://www.outdoorsy.com/get-outta-here" target="_blank">www.outdoorsy.com/get-outta-here</a>. You must fill in all of the fields as directed.



Three potential winners of the skills-test will be selected by Outdoorsy (in its sole discretion) each calendar week during the Contest Period. The three potential winners’ submissions will then be published and displayed (anonymously) on multiple channels, including but not limited to paid social and other organic communities. Users of such channels may vote on their favorite submission, and the submission with the most votes will be selected as a potential winner.&nbsp;&nbsp;



Outdoorsy is not responsible for entries made but not received and/or accepted, and that such entries are void, including but not limited to:



<ul><li>Lost entries</li><li>Late entries</li><li>Incomplete, damaged, or otherwise impossible to process entries</li><li>Technical failures in the entry process (e.g., website crash)</li><li>Fraudulent interference with the entry process (e.g., sending in multiple entries under pseudonyms)</li></ul>



User-generated content: If the Contest involves taking submissions of user-generated content (UGC) that entrants have created, UGC submissions will be deemed ineligible for the following reasons:



<ul><li>They contain third-party content</li><li>They contain illegal, offensive, or otherwise inappropriate content</li><li>They were not created by the entrant</li><li>They have previously been published or otherwise made public elsewhere</li><li>They contain personally identifiable information (except for the entrant&#8217;s personally identifiable information) or other sensitive/confidential content</li><li>Any other reason of the Sponsor</li></ul>



<h3>Prize</h3>



The prize consists of: US$1,000.00 in credits for exclusive use on Outdoorsy.com, plus an “escape pack” of partner products with an estimated average value up to US$2,000.00. The prize is awarded “as is” with no warranty or guarantee, either express or implied. The right to receive the prize is not transferable, assignable, and no substitutions or cash equivalents are permitted except at Outdoorsy’s sole discretion or as otherwise provided herein. Thousand Trails complimentary four consecutive nights of camping on an RV site at any participating Thousand Trails Campground, Encore RV Resort or destination campground featured on RVontheGo.com, a $300 value, restrictions below. The complimentary stay at any campground featured on RVontheGo.com is subject to availability and reservations are required. Stay must be completed by June 15, 2023 and booked by June 1, 2023. Travel to and from the property and other expenses of the trip, such as food and personal items, are not included. The stay must be one consecutive period of time and any unused portion of the prize will be forfeited. Holidays and special events are excluded. The following resorts are excluded from the promotion: Bethpage Campground, Grey’s Point Campground, Fiesta Key RV Resort, Sunshine Key RV Resort, San Francisco RV Campground, Grandy Creek Campground, Little Diamond Campground, Indian Lakes Campground, St. George RV Campground, Desert Vista RV Campground, Pine Island RV Resort, Okeechobee RV Resort, Timber Creek RV Campground, Acorn RV Campground, Blue Mesa Recreational Ranch, Pine Haven Camping Resort, and Marina Dunes RV Resort.



Outdoorsy reserves the right, in its sole discretion, to substitute a prize (or a portion of the prize) of equal or greater value for any reason. Outdoorsy will not replace the prize if it is lost or stolen. Any and all prize-related expenses, including without limitation any and all federal, state, and local taxes, shall be the sole responsibility of the winner. By accepting the prize, the winner grants its permission for Outdoorsy to use the winner’s name, picture, social media pseudonym and city and state for purposes of advertising and trade without further consent or compensation, unless prohibited by law.



Outdoorsy makes no representations or warranties whatsoever as to the ability to use the prize to book and rent any particular vehicle listed on the Outdoorsy.com platform. A winner making a booking on the Outdoorsy.com platform agrees that additional criteria may be imposed by the listed vehicle’s owner. If the booking value exceeds the US$1,000.00 credit, then the winner will be solely and completely responsible for covering the booking expenses beyond the prize amount. Such booking must purchase the maximum available insurance coverage offered through the Outdoorsy.com booking platform. Outdoorsy will not be responsible for covering additional trip costs on and/or off platform, including but not limited to, mileage overage fees, gas, campground reservations, airfare or any other costs and expenses. All bookings on the Outdoorsy.com platform must fully comply with the terms and conditions and other policies therein.



<h3>Winner selection and notification</h3>



As described in “How to Enter,” three potential winners will be selected each calendar week during the Contest Period. The three potential winners’ submissions will be published and displayed (anonymously) on multiple channels, including but not limited to paid social, other organic communities, and partner channels. Users of such channels may vote on their favorite submission, and the submission with the most votes will be selected as a potential winner.&nbsp; In the event of a tie, Outdoorsy in its sole discretion may select the winner. The potential winner will be notified via email addresses provided on the submission. In order to receive the prize, the potential winner must return email communications with Outdoorsy’s team to set the delivery conditions of the prize. If the potential winner fails to give respond to the email within 14 days or is found to be, in Outdoorsy’s sole discretion, ineligible or in violation of these Official Rules, such potential winner and his/her entry will be disqualified, and an alternate winner will be selected from all remaining eligible entries.&nbsp; Outdoorsy may request paperwork that the potential winner will be required to complete in order to be awarded the prize (including, but not limited to, a publicity release, tax documentation, drivers license information, evidence of insurability, and/or liability release). The failure to do so will render the potential winner ineligible. If the potential winner is under the age of 25, they will need to be accompanied on their reward trip by a verified driver (verified in Outdoorsy’s sole discretion) over the age of 25 who will be responsible for being the driver of the vehicle during the rental period and who will be legally responsible for compliance with all terms and conditions related to accepting and using the prize, including the provision of paperwork and the releases and indemnifications described in these Official Rules. The prize will be available for redemption until September 4, 2023. The receipt of the prize offered in this Contest by the potential winner is conditional upon compliance with these Official Rules and any and all applicable federal and state laws and regulations.



<h4>General terms</h4>



Decisions made by Outdoorsy are final and binding in all matters, including interpretation of these Official Rules and awarding of the prize. Entrants assume all risk of loss, damage, destruction, delay, or misdirection of Contest materials submitted to Outdoorsy. Outdoorsy reserves the right, at its sole discretion, to cancel, terminate, modify, or suspend the Contest, or any part of it, if any virus, bugs, other technical failures, non-authorized human intervention, fraud, or any other causes beyond Outdoorsy’s control impair the administration, security, integrity, or proper functioning of the Contest, as determined by Outdoorsy in its sole discretion. Outdoorsy in its sole discretion reserves the right to disqualify any entrant it finds to be tampering with or attempting to tamper with the entry process or the operation of the Contest or to be acting in violation of these Official Rules. Any attempt by an entrant to deliberately damage or undermine the legitimate operation of the Contest may be a violation of criminal and civil laws, and, should such an attempt be made, Outdoorsy reserves the right to seek damages from such persons to the fullest extent permitted by law. Outdoorsy’s failure to enforce any term of these Official Rules shall not constitute a waiver of that term.



<h4>Release and indemnification</h4>



By participating in the Contest, you agree to release from liability and hold harmless Outdoorsy and its parent company, affiliates, and related companies, and each of their respective officers, directors, and employees and agents (collectively, the “Released Parties”) from and against any claim or cause of action, including, but not limited to, personal injury, death, or damage to or loss of property, arising out of participation in the Contest or the receipt or use or misuse of any prize, or from any trip booked or taken using the prize. Entrants agree to indemnify the Released Parties and any other companies associated with the Contest, including any vendors or marketing agencies, and any third parties who have provided prizing. The indemnity covers all claims made not only by potential winners, but also by anyone participating in the Contest. The indemnity covers both claims arising out of the Contest itself, and claims arising from any use of the prizes.



<h4>Limitation of liability</h4>



Outdoorsy is not responsible for: (1) any incorrect or inaccurate information, whether caused by entrant, printing errors, or any of the equipment or programming associated with or utilized in the Contest; (2) technical failures of any kind, including, but not limited to, malfunctions, delays, interruptions, or disconnections in phone lines or network hardware or software; (3) technical or human error which may occur in the administration of the Contest or the processing of entries; (4) late, lost, undeliverable, damaged, stolen, misdirected, or postage-due entries; or (5) any injury or damage to persons or property which may be caused, directly or indirectly, in whole or in part, by entrant’s participation in the Contest or receipt or use or misuse of any prize, or from any trip booked or taken using the prize. This includes such failures that might result in more winners than planned are issued.



<h4>Disputes</h4>



This Contest is governed by the laws of the United States and State of Texas without respect to conflict of law doctrines. As a condition of participating in this Contest, entrant agrees that any and all causes of action arising out of or connected with this Contest, shall be resolved individually, without resort to any form of class action, exclusively and solely before a state or federal court located in Austin, Texas. Further, under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental, or consequential damages, including reasonable attorneys’ fees, and entrant further waives all rights to have damages multiplied or increased.



<h4>Privacy policy</h4>



Information submitted with an online entry is subject to the Privacy Policy stated on Outdoorsy’s website.



<h4>Winner name and rules </h4>



To obtain a copy of the winner’s name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to Outdoorsy. Residents of Vermont may omit return postage. Requests must be received during the Contest Period.

Get Outta Here contest rules

If you&#8217;d like to track the location of your RV rental, you can sign up for GPS tracking from our partner, Zubie.



Zubie offers:



<ul><li>GPS devices for both drivable and towable RVs — buy your devices at a special rate, or lease them.</li><li>Real-time vehicle location through their website or mobile app.</li><li>Geofencing alerts when your vehicle is in an area you’ve set as off-limits.</li><li>Mileage-based maintenance reminders. Plus, discounts at a national network of service shops.</li><li>Seasonal subscriptions: Pause your service during non-rental months.</li></ul>



To get Zubie&#8217;s special Outdoorsy rates, start at <a href="https://www.outdoorsy.com/gps" target="_blank" rel="noreferrer noopener">Outdoorsy.com/gps</a>.



Note: If you go directly to the Zubie site, you won&#8217;t get the Outdoorsy rates.

Can I track where renters take my vehicle?

The amount on your 1099-K represents your tax liability as defined by the Internal Revenue Service (IRS).



The IRS requires Outdoorsy to base our 1099-K reporting on the gross reportable payments that renters make to our platform.&nbsp;



<ul><li>Included in 1099-K reporting: For each rental, the amount a renter pays for the vehicle (nightly rate multiplied by the number of nights), as well as any add-ons. This is before the owner service fee has been subtracted.</li><li>Not included in 1099-K reporting: The amount renters pay directly to Outdoorsy for insurance, as a renter service fee, and as sales/transactional tax.</li></ul>



<h4>Why include the owner service fee on 1099-Ks?</h4>



Because it doesn’t come out of the customer’s payment to Outdoorsy. It comes out of our payout to you.



Again, the IRS requires us to base our 1099-K reporting on renters’ payments and not owners’ payouts.&nbsp;



This means your 1099-K will differ from your total payouts for the year in your Outdoorsy account. The difference is the owner service fee. It’s included in 1099-K reporting. It’s not included in your total payouts for the year.&nbsp;



This could change in the future. We watch tax laws closely so we can help you comply. We’ll implement any changes that impact you and your tax liability.



<h4>Reminder about service fees</h4>



Both RV owners and renters pay a service fee. Renters pay a percentage of their rental cost. Owners, a percentage of their payout. This helps enable Outdoorsy to maintain a secure and updated platform.

We love to help.

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