Liability: If the renter is found to be at fault in an accident, liability coverage will pay for damage to another person’s property (property damage liability) or for costs associated with another person’s injuries (bodily injury liability). Liability insurance is required in all states, but the minimum liability varies per state. 
Comprehensive &amp; Collision: Covers exterior property damage to the rented unit up to the actual cash value of your vehicle, with a maximum of $1M for all qualified vehicles 2000 and newer. Vehicles from 1999 and older are covered for the value of the vehicle up to $75,000. Comprehensive and collision coverage does not cover damages to another vehicle.

Helpful definitions

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 renter 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?
<ol>
<li style="font-weight: 400">Login to your Outdoorsy Owner Dashboard</li>
<li style="font-weight: 400">Visit the “Booking Details” page</li>
<li style="font-weight: 400">Scroll down to the “Protection” section</li>
<li style="font-weight: 400">Click “Start Your Claim”</li>
<li style="font-weight: 400">A member of our claims team will reach out to you</li>
</ol>
Note: Claims must be submitted within 48 hours following the end of the booking.
What documents do I need to file a claim?
For your claim to be complete, we require the following be submitted:
<ul>
<li style="font-weight: 400"><a href="https://www.outdoorsy.com/help/what-photos-do-i-need-to-take-during-a-key-exchange" target="_blank" rel="noopener noreferrer">Pre-trip and post-trip photos</a></li>
<li style="font-weight: 400">Your most recent <a href="https://www.outdoorsy.com/wp-content/uploads/2020/07/Driveable_Towable-90-Day-Inspection-Checklist.pdf" target="_blank" rel="noopener noreferrer">90-day inspection form</a></li>
<li style="font-weight: 400">Completed and signed renter/departure forms for your RV type
<ul>
<li style="font-weight: 400"><a href="https://www.outdoorsy.com/wp-content/uploads/2020/07/Driveable-RV-Departure-Form.pdf" target="_blank" rel="noopener noreferrer">Driveable RV Departure form</a></li>
<li style="font-weight: 400"><a href="https://www.outdoorsy.com/wp-content/uploads/2020/07/Driveable-RV-Return-Form.pdf" target="_blank" rel="noopener noreferrer">Driveable RV Return form</a></li>
<li style="font-weight: 400"><a href="https://www.outdoorsy.com/wp-content/uploads/2020/07/Towable-RV-Departure-Form.pdf" target="_blank" rel="noopener noreferrer">Towable RV Departure form</a></li>
<li style="font-weight: 400"><a href="https://www.outdoorsy.com/wp-content/uploads/2020/07/Towable-RV-Return-Form.pdf" target="_blank" rel="noopener noreferrer">Towable RV Return form</a></li>
</ul>
</li>
</ul>
What happens after I file a claim?
Our claims process will generally unfold in the following way: 
<ol>
<li>Gathering Information — Our claims team will ask for any other pertinent information to move forward with your claim. This includes a statement from your renter, any other evidence that is required, and proof of ownership (e.g., registration, title). 
</li>
<li>The Estimate — While our claims team is gathering information, our appraisal team at RVBetter will do the heavy lifting for you. They’ll contact you within 24 hours of filing your claim to get photos of your rig, including the damage, and usually complete the estimate within 3-4 hours of getting these pictures. We’ll be in touch once we complete step 3. 
</li>
<li>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. You can find the policy language here.  
</li>
<li>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.  
</li>
<li>Closing the Loop — Once you have payment in hand, we’ll charge the renter 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.  
</li>
<li>Post Claim Follow Up — If your repair shop requests <a href="https://www.outdoorsy.com/help/insurance-supplement" target="_blank" rel="noopener noreferrer">a supplement</a>, 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.</li>
</ol>
We know it&#8217;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 helpful claims resources: 
<a href="https://www.outdoorsy.com/help/90-day-inspection-entail-can" target="_blank" rel="noopener noreferrer">90 Day Inspection Guidelines</a> 
<a href="https://www.outdoorsy.com/help/rv-departure-checklist-with-downloadable-pdf," target="_blank" rel="noopener noreferrer">RV Departure Checklist</a>

How do I file a claim?

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?

If your vehicle does not qualify for liability coverage, your renters will need to obtain an insurance binder from a third-party insurance company for securing liability insurance.

My vehicle is not covered by liability insurance. What should I do?

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?

Our liability insurance is provided by Assurant*, one of the largest insurance providers in the world. 
Through our partnership with Assurant, we can confidently ensure the safety and protection of both domestic and international travelers and owners.
When it comes to RV insurance for outside of the rental period, check out Roamly, our preferred <a href="https://www.roamly.com?cam=833&amp;subcam=who-provides-the-insurance-can-i-trust-them" target="_blank" rel="noopener">RV insurance</a> partner.
&nbsp;
*Assurant is a partner for liability only.
&nbsp;

Who provides the insurance? Can I trust them?

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>







How to get Zubie&#8217;s special Outdoorsy rates:



<ul id="block-c8610819-5cba-433c-aa4f-b49d59e126b5"><li>Log in to your Outdoorsy account.</li><li>Go to your Dashboard and select the Recommended for you button at the bottom of the screen, in the center.</li><li>Look for the Zubie offer and select the button to get your discount.</li></ul>



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.

Where’d the taxable amount on my 1099-K come from?

The federal government imposes tax reporting requirements on companies like Outdoorsy. This means we must notify the Internal Revenue Service (IRS) of reportable payments that just about everyone receives from our platform.



Without your tax info, we can’t do this. But, that doesn’t mean you&#8217;re off the hook.



By law, if Outdoorsy doesn’t have your tax information, we must withhold at least 24% of your reportable payments as income tax. We remit this to the IRS for you.&nbsp;



<h4>Where do I add my tax info?</h4>



You can add your tax information in the Account area of your <a href="https://www.outdoorsy.com/dashboard/account/payout" target="_blank" rel="noreferrer noopener">Dashboard</a>, on the Payout preferences or Tax docs tab.&nbsp;



<h4>What if I don’t add my tax info?</h4>



Automatic withholding (24% of your reportable payments) begins January 1, 2022.



<h4>Can I stop automatic withholdings once they’ve begun?</h4>



Yes, once you provide your tax information, Outdoorsy will stop withholding on future payouts.



<h4>What happens to the money that Outdoorsy withholds?</h4>



We remit the money to the IRS in your name, and you may be able to treat the withholdings as tax payments made by you. However, you may face difficulties given that the payments we remit aren’t tied to your taxpayer identification number.&nbsp;



That’s why, even if withholding has started, you should provide your tax information to Outdoorsy.&nbsp;



You should consult with your tax professional for more information.



<h4>I just submitted my tax information. Will Outdoorsy pay me back what it withheld?</h4>



It depends on when the withholding occurred and when you submitted your tax information. However, generally, Outdoorsy is prohibited from returning withheld amounts.&nbsp;



<h4>Does Outdoorsy always notify the IRS of my reportable payments?</h4>



It depends on how much you receive in <a href="https://www.outdoorsy.com/help/whered-the-taxable-amount-on-my-1099-k-come-from" target="_blank" rel="noreferrer noopener">reportable payments</a> each year:



<h5>$600 or more</h5>



Yes, we must notify the IRS of your reportable payments, starting in 2022. We’ll also prepare a 1099-K for you and send a copy to the IRS.&nbsp;



<h5>Less than $600</h5>



We may not report anything to the IRS. You should consult with your own tax advisers to determine whether you need to report any activity on your income tax return.



<h4>American Rescue Plan Act (ARPA) of 2021</h4>



If you’ve been active on Outdoorsy and have never come across these tax requirements, it’s because some of them are new for 2022.



ARPA introduced the $600 threshold for tax reporting. This goes into effect on January 1, 2022.

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