OIG RV Protection Packages

The Best Protection Packages

Outdoorsy Insurance Group (OIG)  is proud to partner with Mobilitas, Lloyd’s of London, and International Medical Group to protect the safety of our guests and hosts worldwide by some of the world’s best insurance companies.

Outdoorsy Insurance Group is responsible for serving your Protection Package. 

Our partners support our mission of providing high-quality protection packages and services to meet the needs of the Outdoorsy community. We chose to work with these partners because they operate in a manner consistent with our values and principles.

• Behave with integrity
• Deliver an exceptional customer experience
• Continuously improve and innovate
• Execute thoroughly and seek excellence

Protection for Hosts

Enjoy peace of mind during your rentals. Outdoorsy Protection Plans can be included in your RV bookings at no cost to you when you book through Outdoorsy. Coverage during the rental period includes:

• Up to $1M in liability coverage
• Up to $300,000 in comprehensive and collision coverage based on the value of the RV

Protection for Guests

Guests have the option to select from standard protection plans offered through Outdoorsy and choose which offering is most applicable to their travel needs. Protection Plans for motorhomes and travel trailer rentals include:

• State statutory limits of liability (with an option for $500,000 with the Peace of Mind package)
• Up to $300,000 in comprehensive and collision coverage based on the value of the RV
• 24/7 Roadside & Technical Assistance, towing, and tire service*

*Specific coverages provided on Stationary bookings

We’ve raised the bar when it comes to trust and safety. Our Protection Packages and Roadside & Technical Assistance coverages are listed below. Click the chart to enlarge it.

For more details on Coach-Net coverages and payment responsibility for services, please see What is the Outdoorsy Roadside Assistance Program?

Coverage for our protection plan includes the following:

Unfortunately, mishaps occasionally happen out on the road. Rest assured we have you covered. Here are some of the incidents covered by our protection packages:

• Backup Accidents
• Vandalism
• Fires
• Theft
• Power Surge
• Earthquakes
• Fallen Trees
• Windstorms
• Hailstorms
• Animal Impact

For full details regarding our protection package coverages click here.

Roadside and Technical Assistance via Coach-Net

Additionally, some services are provided by Coach-Net:

• 24/7 Technical Assistance
• Towing
• Tire repair / replacement
• Battery boost / jumpstart
• Lockout / Locksmith
• Fuel / Fluid delivery
• Mobile Mechanic
• Winching
• Concierge Services

Roadside and Technical Assistance Coverage on Stationary bookings 

Stationary bookings are strictly prohibited from be moved or driven by the guest, as doing so voids the protection package for the entire trip. The following services are included:

• 24/7 Technical Assistance
• Lockout / Locksmith
• Mobile Mechanic
• Concierge Services

How the Protection Packages work

A few things to understand about Outdoorsy’s Protection Packages: 

• Hosts who are eligible for Outdoorsy Protection Packages are covered with collision, comprehensive, and liability. 
• Guests who book an RV with Outdoorsy are provided the minimum liability coverage as dictated by the state unless a higher limit is chosen by purchasing a different bundle.
• Coverage is provided on an excess (or secondary) basis –  If there is damage, any guest’s primary insurance (whether personal or commercial insurance) will apply first and then the Outdoorsy Protection Package will be secondary or also known as excess. If there is no other policy in place that provides coverage, our policy will then be primary.

IMPORTANT: As a host, be sure to validate that your personal insurance policy permits rentals. If your personal policy does not permit rentals, you may be liable to be dropped from your policy. This may also occur with any applicable warranties. Contact Roamly today to get your free quote.

Checklist to make sure I’m properly covered before the trip starts: 

• Verified drivers: Make sure all drivers are verified drivers before they drive the RV in order for them to be covered by our Protection Package. Drivers must be at least 25 years of age, have a current license, and clean driving history. In the case of Stationary bookings, the minimum required age is 21 years old.
• Photos: The more pictures, videos, and documentation the better. Pre-trip photos must be taken and uploaded no more than 24 hours before the guest's departure. Post-trip photos must be taken and uploaded within 48 hours after the guest's return. In the event of a claim, this helps considerably to quickly and efficiently handle the claim.
• Departure forms: all forms must be completely filled out and signed prior to the departure. 
• Return forms: all forms must be completely filled out and signed when the vehicle is returned
• Claims: in the unfortunate event of a claim, it must be submitted within 48 hours* of the end of the booking in order for coverage to potentially apply.

*Wheelbase hosts have 14 days to submit a claim for coverage to potentially apply.

How do I file a claim?

The road is a wonderful place to be, but every once in a while there are bumps along the way. As hard as we fight against this, there’s always that small chance that a guest might cause damage to your RV. If this happens to you, our dedicated claims team will be here to help you get the damage covered and your RV back on the road in a flash. 

How do I start a claim?

1. Login to your Outdoorsy Host Dashboard
2. Visit the “Booking Details” page
3. Scroll down to the “Actions” section
4. Click “Start Your Claim”
5. A member of our claims team will reach out to you

Important: All claims must be submitted within 48 hours after the booking ends, and pre- and post-trip photos must be taken within the specified time frames.

What documents do I need to file a claim?

For your claim to be complete, we require the following to be submitted:

• Pre-trip photos taken and uploaded no more than 24 hours before the guest's departure
• Post-trip photos taken and uploaded no later than 48 hours from the guest's return
• Your most recent 90-day inspection form
• Completed and signed guest/departure forms for your RV type
  • Driveable RV Departure form
  • Driveable RV Return form
  • Towable RV Departure form
  • Towable RV Return form

What happens after I file a claim?

Our claims process will generally unfold in the following way if we receive a denial letter from the guest’s primary carrier first: 

• Excess Coverage – Guests are responsible to file a claim with the personal (or commercial) insurance carrier. In the event your carrier denies the claim, please submit the denial letter and relevant documentation.
• Gathering Information — Our claims team will ask for any other pertinent information to move forward with your claim. This includes a statement from your guest, any other evidence that is required, and proof of ownership (e.g., registration, title).
• The Estimate — While our claims team is gathering information, our appraisal team at Outdoorsy will do the heavy lifting for you. They’ll contact you once your claim is filed to get photos of your rig, including the damage, and have an estimate completed. 
• Confirming Coverage — We’re almost there! Your adjuster will review the statements, documents, photos, estimate, and all other necessary information to confirm it’s a covered loss. 
• Payment — Hate waiting for a check? We make claim settlements a breeze with direct deposits. We’ll notify you via email once your payment is ready. Simply follow the instructions to enter your bank information, and it’ll arrive within 24-48 hours. 
• Closing the Loop — Once you have payment in hand, we’ll charge the guest their deductible and handle any other outstanding issues that might be present (e.g., if a third party is involved). Feel free to take your estimate and payment to any shop of choice to get the repairs started. 
• Post Claim Follow-Up — If your repair shop requests a supplement, this simply means that they need additional time and/or expense to complete the work. They can request a supplement by using the instructions on the first page of the estimate.

We know it’s never fun when your RV gets damaged. That’s why we’ve got an entire team devoted to helping you navigate the claims process so you can get back on the road ASAP.

Other Available Protection Offerings?

Interior coverage offers extra peace of mind for damages like broken appliances, damaged interior doors, and stained bedding or linens. 

Trip protection can reimburse you if a covered situation (e.g. medical event or natural disaster) stops the trip before it starts.

Contact Information:

Claims Reporting

• Call us at 1-855-441-2006
• Email us at [e-mail]

Roadside and Technical Assistance

• Call us at 1-877-978-7222 (we answer 24/7)