Overview

RVezy offers protection plans that Renters can purchase to help reduce their financial responsibility in the event of damage to the Owner’s RV. These plans are not insurance, but rather a contractual agreement outlining the potential for coverage for some or all of the Renter’s responsibility to pay for eligible on-trip physical damage.

RVezy protection plans also include optional additional benefits, such as roadside assistance, trip interruption coverage, and vehicle rental support.

Renter Responsibilities

As the Renter, you are responsible for:

• Returning the RV on time and in the same condition as it was when you received it;
• Paying costs to repair physical damage to the RV during the rental period, including but not limited to collision, comprehensive events, or theft, including related costs, regardless of fault; and
• Paying the actual cash value (ACV) of the RV if it is declared a total loss due to physical damage, minus any salvage value.

RVezy’s protection plans do not cover interior or mechanical damage. Renters are responsible for the cost of the repair or replacement of interior or mechanical damage, as well as any related costs incurred during the trip. Financial responsibility limitations under the Basic, Standard, Premium, and Stationary plans do not apply to interior or mechanical damage.

Normal wear and tear or mechanical breakdowns not caused by neglect or misuse by the Renter are not the Renter’s responsibility. 

How Renters Can Protect Themselves - Physical Damages

• Select and purchase one of RVezy’s available protection plans to limit out-of-pocket expenses for eligible physical damage.
• Take photos documenting the RV’s condition at the start and end of the rental period to help prevent disputes over damage responsibility.
• Do a pre and post-rental inspection with the Owner and complete the related documents.

Third-Party Loss Excess Liability Insurance Coverage 

All RVezy rentals include third-party liability coverage that meets state minimum requirements in the U.S., and provides up to $2 million CAD in third-party liability coverage for RVs registered in Canada. This policy offers secondary (excess) coverage, meaning that any personal auto and/or other liability insurance held by the Renter will apply first before RVezy’s coverage takes effect.

Primary vs. Excess Coverage

The third-party loss liability insurance provided is secondary (excess) to any other applicable coverage the Renter may have. If a Renter has a personal auto insurance policy and/or any other liability insurance that may apply, such policy(s) will take precedence over RVezy’s coverage.

In the event of a loss claim, Renters must first file with their personal or commercial liability insurance provider. If their claim is denied, they must provide RVezy with a copy of the denial letter and any relevant documentation for further assistance.

Coverage for Physical Damage

Renters may have coverage for physical damage under their own auto insurance policies. Even if their personal auto liability insurance does not apply to a specific third-party liability claim, their coverage for physical damage may still be valid and will be primary.

By booking an RV through RVezy, the Renter agrees that if physical damage occurs during their rental period, they will work with RVezy to file a claim under any applicable insurance policy.

Protection Plans Available to Limit Out-of-Pocket Costs

The financial coverage provided through any of RVezy’s protection plans only applies if:

• The Renter’s personal insurance coverage has been exhausted first.
• The Renter and any approved secondary drivers adhere to RVezy’s Terms of Service and policies.
• The damage falls under physical damage and not mechanical or interior damage.

Renters can choose from four protection plans:

Basic

• Designed for experienced RVers comfortable with a higher level of personal financial liability responsibility.
• A popular choice for short trips and trailer rentals.

Standard

• Provides a balance of coverage and affordability.
• The most recommended plan for typical trips.

Premium

• Ideal for first-time RVers, long trips, and motorhomes.
• Offers the highest level of protection for added peace of mind.

Stationary

• Best suited for delivered RVs or stationary rentals.
• Provides coverage at a lower rate since the RV is not being driven.

Important: Renters cannot assume that their personal auto insurance or credit card coverage applies to peer-to-peer RV rentals. It is highly recommended that Renters consult their insurance and/or credit card provider before booking an RV.

Important Considerations

Know Your Coverage

• If you have an auto insurance policy, review the details to determine what coverage applies when renting an RV. 
• Do not assume that personal insurance or credit card coverage will apply to an RV rental the same way it does for traditional rental vehicles.
• Consult your insurance and/or credit card provider before selecting a protection plan.

Terms of Service Violations

If a Renter or any approved secondary driver violates RVezy’s Terms of Service, engages in prohibited activities, or misuses the RV, any protection plan’s financial responsibility will become void. In this case, the Renter will be fully responsible for any damages, including up to the actual cash value of the RV and all related costs.

Eligibility Requirements

To be eligible for protection under any of RVezy’s protection plans:

• The operator of the RV must be an approved RVezy driver.
• The Renter must sign the digital rental agreement before the start of the trip. The Renter must document the RV’s condition with time-stamped photos before and after the trip. The operator must comply with any and all local safety orders (e.g., evacuation orders).

Exclusions

The following are not covered under RVezy’s protection plans as noted:

• Awning damage (excluded in Basic plan)
• Roof damage (coverage varies by plan)
• Windshield damage (coverage varies by plan)
• Damage occurring in prohibited travel areas 
• Incorrect fuel usage
• Electrical damage due to incorrect voltage (e.g., 240V vs. 110V)
• Failure to use a provided surge protector
• Failure to use a provided water pressure regulator
• Failure to properly secure the RV with provided wheel chocks
• Damage due to improper use of leveling equipment

For full coverage details and exclusions, refer to RVezy’s Terms of Service or contact our support team.