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Protection Packages for United States

  • Updated

Introduction 

You have the ability to offer four levels of protection coverage (US rentals) to your direct guests through Wheelbase. Leads coming from Outdoorsy.com will be covered through the Outdoorsy.com packages

Our coverage works on an excess basis. In cases of damage, the guest's primary insurance (personal or commercial) will apply first, and our Wheelbase Protection Package will serve as excess coverage. If a denial is presented from the guests coverage - or if the guest does not have a policy in place - then the Wheelbase Protection Package will move to first position.

With above being the case, please ensure you are taking a photo of guest insurance cards as part of key exchange as that is one of the requirements when a claim is filed.

 

Protection for Hosts

When an Outdoorsy affiliated Protection Package is in place, the following coverage during the rental period is included:

  • 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 who book through your direct website have the option to select an Outdoorsy affiliated protection plans that suits 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.

 

WB OIG PP Chart.png

 

For more details on Coach-Net coverage please review our What is Coach-Net Roadside Assistance? article.

 

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.

 

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 with Protection Package coverage 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.

 

Why is there a protection package pricing difference between Outdoorsy guest bookings vs direct guest bookings?

Just like in traditional insurance, our Protection Package prices are set based on a number of different variable factors and are subject to change over time. Some of the basic considerations for both Outdoorsy guests and Wheelbase direct guests include class and type of vehicle, length of vehicle, and value of the vehicle. These are however two distinctly different product offerings with different risk profiles and differences in the coverages offered. The Marketplace prices can vary week over week due to any number of factors including testing, or sometimes certain risks and costs may be spread across the marketplace. For Wheelbase direct guests there are set rates and consistent coverages that may instead vary by dealer or by vehicle based on a risk profile or if a dealer has added an additional premium to their pricing.

 

Checklist to make sure everyone is 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.
    • Important: Never hand the keys over to a guest that is not 'Driver Approved' as part of the walkthrough/key exchange process
  • Photos: The more pictures, videos, and documentation the better:
    • Pre-Trip: Please take (10+) photos of the RV within 24 hours of the reservation departure date. All photos must contain EXIF data allowing Outdoorsy to confirm the date & time they were taken. You can take these on your phone or any other device that embeds the required EXIF data. Photos required to be captured pre-trip and post-trip include
      • Exterior photos: Front, Back, each side, 4 corners, and Roof/Undercarriage are strongly recommended
      • Interior photos: Dashboard, tank levels, odometer, bedroom/bathroom and seating
    • Post-Trip: Take these same photos (also containing EXIF data) again at the time the rental is returned in case you need to file a claim. These photos should be taken immediately on return, and no later than 48 hours from the return date.
      • Exterior photos: Front, Back, each side, 4 corners, and Roof/Undercarriage are strongly recommended
      • Interior photos: Dashboard, tank levels, odometer, bedroom/bathroom and seating
    • Extra Credit: Since you're already taking photos for our protection, taking a few more of the interior before and after the trip will be useful during times that you need to deduct money from Security Deposits for smaller damage/interior damage, and the renter tries to dispute the charge with their credit card company – these photos can be very compelling evidence to help your dispute case and prevent a chargeback.
    • Additional Tips:
      • Upload original photos from your camera, phone, or tablet (not sent through
        WhatsApp, screenshot, etc.)
      • If you have an iPhone check the privacy settings to see if you have the metadata
        turned off. Turn it on to take your photos so we have more info.
      • Undercarriage and Roof - photos with a selfie stick or a quick walkaround video.
  • 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 Wheelbase Dashboard
  2. Visit the 'Booking' page
  3. Click 'File an Insurance Claim'

Important: All claims must be submitted within 14 days of trip return.

 

What documents do I need to file a claim?

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

 

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.

 

Contact Information:

Claims Reporting

 

Roadside and Technical Assistance

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

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