Insurance & protection
Understand insurance requirements, coverage, and the claim process.
-
Summary of owner protection plans
RVezy has established programs and policies to ensure Owners can rent their RVs to Renters with confidence that if their RV is damaged during a rental period or if a third party is injured, then the associated costs may be paid from a number of sources.
RVezy is not an insurance company or broker and does not offer insurance for your RV. Instead, RVezy provides access to third-party liability claim protection and physical damage protection plans subject to important terms and conditions outlined in this document.
During the rental period, the Renter assumes financial responsibility for your RV. RVezy works with you to hold the Renter accountable for any physical damage, and to recover the costs of required repairs.
Third-party liability claims protection
RVezy provides third-party liability claim protection during the rental period, subject to the following limits and policy conditions:
- Up to $1,000,000 USD for RVs registered in the United States.
- Up to $2,000,000 CAD for RVs registered in Canada.
To be eligible for this third-party liability claim protection, you must have an approved insurance profile in place before the rental begins.
Third-party liability claim protection is provided on a secondary (excess) basis, meaning that if any applicable insurance exists (personal or commercial), it will apply first. The RVezy Protection Package will then act as potential secondary third-party liability claim coverage. If no other policy applies, RVezy’s third-party claim coverage will be primary.
Physical damage loss protection
Payment of the costs of repairing physical damage to your RV may be available via one or some combination of:
- The Renter’s security deposit
- Any personal insurance the Renter may have
- Any personal insurance you may have
- Any protection plans the Renter purchases from RVezy
- Insurance contracted and paid for by RVezy
- Reimbursement from RVezy
To qualify for eligible physical damage repair costs reimbursement, clear photo documentation of the RV’s condition is required at both the start and end of the trip.
- Photos must be submitted to RVezy within 24 hours of the start and end of the rental.
- If the damage cannot be fully demonstrated to have occurred during a rental period by photo evidence, RVezy may consider additional documentation (e.g., police report, third-party assessment) to confirm when the damage occurred.
Detailed terms and conditions
Third-party liability claim crotection
Owners with an approved insurance profile in place at the time of rental are provided third-party liability protection under the following policies:
- Canada: Liberty Mutual Insurance Company
- United States: Crum and Forster
RVs registered in New York State are subject to different requirements. You can read more about this here.
Physical damage loss protection
RVezy’s protection plans govern financial responsibility in the event of physical damage to your RV during the rental period. If your RV sustains damage due to a collision or comprehensive event, RVezy’s physical damage protection program applies, subject to the plan’s terms, conditions, and exclusions.
Covered events:
- Collisions
- Vandalism
- Fire
- Theft
- Comprehensive events (e.g., falling trees, windstorms, hailstorms)
Damage sustained during delivery is covered, subject to a $1,000 deductible to be paid by the Owner.
RVezy will reimburse Owners for eligible physical damage costs they have paid, to a maximum of the Actual Cash Value (ACV) of the RV, as follows:
- Canada: Maximum reimbursement amount: $200,000 CAD
- United States: Maximum reimbursement amount: $125,000 USD
Reimbursement may be adjusted based on depreciation, particularly for cosmetic damages, at the sole discretion of RVezy, acting reasonably.
At all times, the Renter is fully responsible for any damage they cause to an RV during the rental period.
Eligibility requirements
To qualify for protection, the following conditions must be met:
- Verified account: All Owners must have a verified RVezy account before renting out their RV.
- Approved insurance profile: Owners must complete and approve their insurance profile before the rental begins. Failure to do so voids eligibility for protection.
- Photo documentation: Owners must take and submit time-stamped photos documenting the RV’s condition within 24 hours before and after the rental period. Failure to provide these photos may result in a denial of protection.
- Signed dental agreement: The digital rental agreement must be signed before the rental starts. Failure to sign voids eligibility for protection
- Compliance with RVezy’s terms: Owners must adhere to RVezy’s terms and conditions.
Exclusions
The following are not covered under RVezy’s protection plans:
- Damage caused by an electrical surge when a surge protector was not provided by the Owner to the Renter;
- Water pressure damage when a pressure regulator was not provided by the Owner to the Renter;
- Normal wear and tear;
- Damage due to lack of maintenance of the RV by the Owner.
- Interior damage beyond the security deposit amount collected from the Renter;
- Pre-existing damage at the start of the rental period;
- Mechanical failures and any resulting damage;
- Damage covered by a manufacturer warranty;
- Damage that occurs while the Owner is in violation of RVezy’s Terms of Service;
- Damage to or loss of personal items left in the RV;
- Damage caused by defective or improperly maintained tires (e.g., dry rot, tread depth below 4/32 inch, underinflation, age 5+ years);
- Scrapes, scratches, and dings on the underside of the RV, regardless of size;
- For truck campers: only the camper itself is covered, not the vehicle.
For full coverage details, refer to the RVezy terms of service or contact our support team.
-
Protection plan coverage in New York
Due to New York laws, bookings made on RVezy for RVs registered in New York must be covered by commercial auto liability insurance provided by the vehicle owner. We've partnered with Crum & Forster to provide liability insurance to our hosts. While not insurance, the contract with RVezy under the Protection Plan limits RVezy's responsibility to physical damage to the RV.
Context
New York has specific laws & regulations when it comes to insurance coverage for peer-to-peer RV rentals that have forced us to make this change. Rather than the insurance policy being in RVezy’s name and extending to your RV, hosts now needs to purchase liability insurance coverage directly on a per-rental basis, for their specific RV and the specific booking's trip dates.
How it works
When your RV is booked, you will receive an insurance quote for liability coverage from our partner Crum & Forster, sent by email via DocuSign. Once the insurance quote is signed, returned, and approved, Crum & Forster will send your policy documents for the booking.
RVezy does not allow New York bookings to start unless the host has purchased this coverage, which means the booking will be cancelled if the document is not signed and returned to Crum & Forster.
There is an additional cost for each booking covered by Crum & Forster in New York, which is listed on the DocuSign. However, this cost is covered by RVezy and you will not be required to pay. This should be noted in the email received from Crum & Forster.
If you open the DocuSign but do not sign and complete it right away, the email link will expire. You can request to receive a new link and then sign the document.
Advanced notice
To ensure sufficient time for Crum & Forster to send the insurance quote, and for you to sign and return it, all RVs listed in New York are defaulted to a minimum advanced notice window of 7 days which cannot be changed. If a booking is cancelled because the insurance quote was not signed and returned to Crum & Forster, a new booking could only be made starting 7 days from the current date.
For any questions or concerns, please contact our support team.
-
What you need to qualify for RVezy's insurance
RVezy partners with an insurance provider to offer commercial coverage for your RV during rentals. To qualify, both you and your vehicle must meet a set of requirements. These guidelines help ensure your RV can be safely insured before it goes out on a trip.
General requirements
Specific criteria must be met to be eligible for coverage. Your RV must be:
- Registered to a person 21 years of age or older
- Listed in the region (province/State) where it is registered
- Covered by a personal insurance policy
- No older than 20 years for a motorhome, or no older than 25 years for a trailer*
These requirements help ensure the RV is safe to operate and can be supported by RVezy's commercial insurance policy.
*Existing listings for RVs that exceed these age restrictions may remain on the platform. New RVs that exceed these age restrictions may be listed pending further verification by an account manager. Contact our support team for more information.
Limitations
The following limitations apply for coverage:
- In Canada:
- Motorhomes will only be covered for a value up to CAD$200,000.
- Trailers will only be covered for a value up to CAD$100,000.
- Motorhomes are only covered if they are registered in one of the following provinces: British Columbia, Alberta, Ontario, Quebec, New Brunswick, Newfoundland, Nova Scotia, Prince Edward Island. RVezy does not offer coverage for motorhomes registered in Saskatchewan, Manitoba, and the territories.
- Trailers registered in any province or territory are covered.
- In the US:
- Motorhomes and trailers will only be covered for a value up to USD$125,000.
- RVs must not be travelling in any of the prohibited travel areas.
For more details, refer to the Summary of owner protection plans.
Claim eligibility
Generally, the following conditions must be met to submit an insurance claim:
- An approved driver is added to the booking.
- The insurance application is completed and approved.
- The rental agreement is signed by both parties.
- The departure and return inspections are completed by both parties.
For more details, refer to the Summary of owner protection plans.
For any questions or concerns, please contact our support team.
-
How to complete the insurance application
The insurance application is mandatory for every host. It must be completed and approved to determine if your RV qualifies for RVezy's commercial insurance policy.
Where to find the insurance application
You can access the insurance application directly from your listing, under the Insurance section. This is where you'll submit all required details about yourself and your RV.
Information you'll need to provide
When you complete the insurance application, you'll be asked to share:
- Personal information
- Information about your driving history
- Pictures of your vehicle registration
- Name of your personal insurance provider
- Details about your RV, such as license plate, VIN, make, model, and similar information
It is required that you have a personal policy in place on your RV and that you provide the name of your personal insurance provider. This requirement is set by our insurance provider for screening purposes. However, RVezy will not contact or involve your personal provider in the event of a claim.
If you are having difficulty obtaining personal insurance for your RV, we recommend reaching out to HUB International:
- Toll-free number: 1 (833) 685-2619
- Office hours: Mon-Fri, 8:30 am to 4:30 pm EST
- Email: ont.pigroupsales@hubinternational.com
Make sure to mention that you have been referred by RVezy. This will ensure that your inquiries are handled appropriately.
When to complete the insurance application
You should complete the insurance application as soon as you finish creating your listing. It must be completed and approved before your RV leaves on its first rental.
If your RV is released without an approved insurance application, coverage may not be provided.
If your insurance application is not approved
In the event that your insurance application can't be approved, you can reach out to our support team for assistance.
For any questions or concerns, please contact our support team.
-
A comprehensive guide to taking inspection photos
Capturing quality photos during your departure and return inspections is the best way to protect your valuable investment. Clear documentation ensures that any new damage is easily identified and helps resolve potential insurance claims much faster. By following a few simple steps, you can create a reliable visual record for every single RVezy rental.
Timing and lighting for clear images
All your photos must be timestamped and taken specifically on the actual departure and return dates of the trip. To get the best results, try to take your pictures during daylight hours when the lighting is most even. If the RV is returned in the evening, ensure you have a good light source to take clear pictures. You should avoid harsh glares and deep shadows that might hide important details or mask small scratches.
Documenting damage and full views
Your inspection photos must include wide shots and close-ups of any pre-existing damage to avoid confusion after the rental concludes. However, it is equally important to take high-quality photos of the RV in its entirety, even if no damage exists. This complete visual proof shows the overall condition of your unit before the guest takes off on their adventure.
Essential angles and specific components
Take your photos from a straight, head-on angle to capture each area of your RV in its full glory. Be sure to document the passenger and driver sides, the front and back bumpers, the windshield, and the roof area.
You must also include clear shots of the following components to ensure your inspection is truly complete:
- Exterior features: Awning arms, extended awning, and extended slide-out(s).
- Mechanical parts: Underbelly, stabilizer jacks, and tow hitch (if applicable).
- Tires: Tire tread depth and tire DOT safety codes.
-
Understanding the insurance claim process
If your RV is damaged during a rental, you may be able to file a claim with RVezy for coverage. The purpose of the claim process is to determine whether the damage is eligible for coverage and to support you in getting your RV repaired. Filing a claim helps ensure that damage caused during a booking is assessed fairly, and that the claims advisor has the information they need to review what happened. Starting a claim promptly and sharing clear details helps move the process forward smoothly.
What is covered
You can review the full breakdown of protections, limitations, and deductibles in the Summary of owner protection plans article. This resource helps you understand how coverage applies to your RV and what to expect if you need to file a claim.
Generally, an insurance claim should be submitted to RVezy in the event of:
- Repair costs that will exceed your security deposit
- Collisions with a third-party (another vehicle, an object, a person, etc.)
- Damages resulting from fire, theft, or vandalism
- Injuries or damages caused to other persons or property
When to start a claim
You should submit an insurance claim as soon as you discover damage from a rental. Reporting it promptly gives our team the information they need to assess the damage accurately and begin their review. You have up to 30 days after the end of the rental to submit a claim.
How to submit an insurance claim
To start the process, open the booking in your account and scroll down to Manage booking. From there, click on Start insurance claim. You'll be asked to provide:
- Your contact information
- Information about your RV
- Description of the incident that took place
- The date, time, and location of the incident
- Photos of the damage as well as where it's located on your RV
- Any additional documents to support the claim (videos, text messages, estimate from a repair shop, etc.)
Once completed, you'll receive a confirmation email along with a claim number for future reference.
What to expect after you submit a claim
After submitting an insurance claim, a claims advisor will contact you within 1-3 business days to obtain more information. This can include a statement, additional photos, a specific cause of loss, proof of the guest admitting to the damage, a mechanic's report, or an estimate. They may also try to reach you by phone to gather some of this information.
The claims advisor manages the entire review process and will guide you through any next steps. They conduct the evaluation and make final determinations on coverage.
When the claim is reviewed
Once the advisor reviews all information, they will confirm the outcome of the claim and outline any next steps. If your claim is approved, they will provide details on repair authorization and payment so you can move forward with fixing your RV.
For any questions or concerns, please contact our support team.
-
Understanding betterment in your insurance claim
When damage occurs during a rental and an insurance claim is submitted, RVezy's claims team reviews the cost of repairs and determines how much of the loss is eligible for coverage. In some cases, betterment may be applied to your claim to reflect the depreciation of the part(s) being replaced. Depreciation reflects the natural wear and tear or aging of certain parts and helps our team calculate a fair settlement. Understanding why betterment is used can help you know what to expect during the claim process
What depreciation means
Depreciation is the reduction in value that happens as an item ages or is used over time. Many RV components, especially those that wear down through regular use, lose value gradually. When these parts need repair or replacement, our team considers their age and expected lifespan when assessing the claim amount.
Understanding actual cash value
The basis of settlement for any physical damage is actual cash value (ACV). The value of the loss or the damage will be based on the RV's ACV at the time of the loss.
ACV is determined by attributing depreciation to the parts requiring replacement. Depreciation is calculated by considering the age and condition of the part(s) prior to the loss, with the intent of returning the RV to the same financial position it was in prior to the loss.
In the event of a total loss of an RV, the determination of a total loss and the ACV of the RV will be determined by our partner insurer / appraiser.
When betterment applies
Replacing a worn part with a new part results in betterment. In the event of an insurance claim, the host will be expected to contribute financially to the betterment of their RV in the event of a repair with new replacement parts. In line with industry standards, they will be responsible to pay the price difference between the depreciated (existing) parts and the new replacement parts.
RVezy calculates betterment to the new replacement parts based on the year of your RV. The starting year for betterment is 2 years prior to the current year, meaning an RV from 2023 currently would not have any betterment applied. On the other hand, an RV from 2020 would have 15% betterment applied (3 years x 5%).
How betterment affects your claim
If betterment is applied, the reimbursable amount for certain parts or materials will be reduced. This means the final approved cost may be lower than the repair's shop estimate, and the difference will be the host's responsibility. The claims advisor reviews each situation individually to determine whether betterment is appropriate.
If betterment is applied to your claim and you're unsure why, you can always ask your claims advisor for clarification. They can explain which parts were depreciated and how the calculation was made.
For any questions or concerns, please contact our support team.
-
Understanding cash settlements
When your RV sustains minor exterior damage that doesn't impact safety, a cash settlement offers a flexible compensation path. This option is designed for cosmetic issues where a professional garage repair may not be necessary or intended by the host. By choosing this route, you receive a monetary payment based on repair estimates while keeping your RV available for future bookings.
When to choose a cash settlement
Cash settlements are typically offered for insurance claims involving exterior damage that is purely cosmetic in nature. This includes issues like light scratches on outer panels or scuffs that do not affect the unit's structural integrity. If the damage doesn't require a professional shop to fix, this payout allows you to address the wear yourself.
How your payout is calculated
We calculate your settlement by starting with a professional repair estimate and then adjusting it for three specific factors.
- Depreciation on parts: We review the age and pre-existing condition of your RV to determine the current value of parts. The standard rate is 5% per year up to a maximum of 50%, though this is negotiable. We may adjust this if you have low mileage or if the damaged part was recently replaced.
- Adjusted labour rates: Professional estimates reflect high hourly rates for certified mechanics, which may not apply to minor exterior touch-ups. To account for this, we reduce the estimated labour cost by 50% to provide fair compensation for your time.
- Exclusion of taxes: Taxes are not included in a cash-out settlement because there is no guarantee a business will do the work. We only include taxes in the final payment if you provide proof that a professional completed the repairs.
Professional repair vs. cash-out
You have the option to complete repairs through a professional shop if you want the exterior fully restored. In these cases, you can claim the full labour costs and taxes, though part depreciation still applies to the claim. Remember that most cosmetic exterior damage, such as minor panel scratches, does not require a full professional replacement to stay functional.
For any questions or concerns regarding cash settlements, please contact your assigned claims advisor.
-
Keeping the RVezy community safe for hosts
Our goal is to create a trusted and welcoming community for every host. RVezy has several measures in place to help protect you, your RV, and your rental experience. This guide explains the steps we take to support your safety and what you can expect when renting on the platform.
How RVezy verifies guests
RVezy completes identity verification for every guest before they rent your RV. This process helps confirm the guest's identity and ensures they meet our eligibility requirements. Our comprehensive system checks the following:
- Personal information
- Government-issued ID
- Driving record
- Payment risk score
- Trip details
Verification adds an important layer of protection and helps you feel confident in accepting booking requests.
Reviewing a guest's profile
You can view a guest's profile, reviews, and past activity before accepting a booking by clicking on their profile photo. This gives you helpful context about their experience on the platform and how they've interacted with other hosts. If something doesn't feel right, you can message the guest, ask questions, or contact our support team.
Handling high-risk guests
Based on the results of our verification process, a guest may be identified as posing a higher safety risk. In that case, the booking will be cancelled and you'll be notified to ensure you're aware.
As a fraud prevention measure, the guest will be fully refunded and no payout will be issued for the cancellation. However, the cancellation will not affect your host metrics and your calendar will be updated to reflect the trip dates' availability.
For any questions or concerns, please contact our support team.