Insurance and Protection Terms Amendment
Insurance Policy Terms (only applicable if the Owner chooses to require insurance (provided by Crum & Forster) and/or protection under (a Protection Plan offered through the RVshare platform) to be purchased by the Renter.
Last updated: July 1, 2026
As a condition to the rental of the RV, the Owner (not the Company) has elected to require the Renter to purchase liability insurance to the rental of the RV underwritten by one of the companies within Crum & Forster and to use this RV Rental Agreement, Platform Terms of Service & Insurance and Protection Terms to serve as the contract between you, the Owner and Crum and Forster. Company is not and does not hold itself out to be a party to any rental agreement between you and the Owner. In addition, Company is not an RV insurance broker, agent, producer, TPA, MGA or an insurer. Accordingly, Owners and Renters are acting on their own behalf and at their own risk. By renting the RV, you agree to all the Terms contained herein including the terms below and the Insurer policy linked here. If you do not agree to these Terms, your only recourse is to not rent the RV.
1. Definitions.
“Authorized Driver” means the approved Renter and each additional driver who are listed on the dashboard and Identification Card as a Covered Driver if applicable and are permitted to drive the RV. Each Authorized Driver must have a valid driver’s license and be at least twenty-five (25) years of age.
“Rental Period” means the period between the time the Renter takes possession of the RV until the RV is either returned to or recovered by the Owner and checked in by the Owner.
“RV” means a recreational vehicle including, but not limited to, trailers, towables, campers, vans, coaches, or other recreational vehicles listed on the website. The term “RV” does not include recreational vehicles such as golf carts, boats, bicycles, motorcycles, motor scooters, ATVs, UTVs or other vehicles used to service the RV or Renter.
“Screening Fee” means a mandatory charge for all renters who book reservations through RVshare. This administrative fee charged by RVshare covers the vetting process necessary to qualify for the Platform. This fee is non-refundable.
"Security Deposit Waiver” means a Member-optional , non-insurance contractual benefit offered by Company under which, if purchased at checkout, (a) the Renter is not required to pay the Owner’s security deposit at booking, and (b) Company agrees, subject to stated limits, exclusions, and conditions, to apply amounts under the Security Deposit Waiver toward certain post-trip damages that would otherwise be payable by the Renter under these Terms, limited to applicable Protection Plan deductible amounts and any other charges expressly identified in the Security Deposit Waiver provisions of these Terms.
"Stationary RV” means a RV identified during the booking process that is either permanently parked at a location or is delivered by the owner to a location and not driven, towed or moved by the renter.
2. Owner requires Insurance & Protection to be purchased by the Renter
If in lieu of the owner providing insurance as outlined in the Terms of Service, the Owner chooses to require the Renter to purchase insurance and protection under a Protection Plan, the Renter will be required, as a condition of booking through the platform, to purchase insurance and protection under a Protection Plan offered though the platform rental. The renter needs to complete the insurance and protection check-out process, be approved by the Company according to the Insurer eligibility guidelines and pay the applicable cost for the Protection Plan in order for such insurance and protection to be activated. The Company is not an insurance company. Liability insurance available under our Protection Plans is provided by a surplus lines insurer within the Crum & Forster Insurance group (“Insurer”). Crum & Forster is a nationwide insurance organization with more than 200 years of experience providing market-leading insurance solutions. The insurance companies within the Crum & Forster group are rated ‘A+’ (Superior) by A.M. Best Company and “AA-” (Very Strong by S&P Global.
Each Protection Plan is underwritten according to the Insurer eligibility guidelines and provides liability insurance and, where applicable, other coverages as described in the applicable policy. The summaries in these Terms are for information only; the policy controls in all respects. Each Protection provides varying coverage for claims that arise while the Renter or an Approved Driver is operating the vehicle listed on the applicable policy during a rental period. In addition, the Protection Plan may cover certain claims that arise while the vehicle listed on the applicable policy is occupied but not under operation, and during the rental period. Driving, towing, or moving a Stationary RV is strictly prohibited and will result in a denial of all coverage and claims under the Protection Plan. Units 20 years old or newer with a maximum actual cash value up to $300,000 will have physical damage protection with a per occurrence claim deductible, which protection is provided directly by the Company and not Insurer. The Company may, subject to terms, conditions, limitations, and exclusions, reimburse the Owner on a contractual basis for eligible physical damage costs in excess of the applicable deductible, for the lesser of the cost of repair or the actual cash value of the RV, up to a maximum limit of $300,000 per occurrence. If Physical Damage reimbursement is for the sudden and accidental damage, not the gradual deterioration that occurs from normal wear and tear, maintenance issues, or aging of property, If your RV is damaged (not totaled) and repaired, you’re not protected for any diminution in the value of your RV. There is also no guarantee, expressed or implied, for the quality of repairs you obtain. If a shop repairs the eligible damage and the repairs later turn out to be of low quality, there will be no reimbursement by the Company for repeat repairs. Protection Plans do not cover damages to the tow vehicle of a non-motorized RV or any property being towed by a motorized RV. Towing of a trailer by a covered RV is allowed if approved by the Owner and the maximum combined length of the RV, dolly or trailer tongue and trailer do not exceed 55 feet.
Your responsibility will include: (a) all physical damage to the RV measured as follows: (i) if the RV is a total loss, the actual cash value of the RV, less salvage; (ii) if the RV is repairable, the reasonable estimated retail value or actual cost of repair; (b) towing, storage, and impound charges and other reasonable incidental and consequential damages; and (c) all costs associated with our enforcement of these Terms or collection of Charges, including attorneys’ fees, collection fees, and costs whether or not litigation is commenced. You must report all accidents or incidents of theft and vandalism to us and the police as soon as you discover them. Owner agrees to properly maintain the RV; damage as a result of your lack of proper maintenance, or from mechanical or electrical failure which is not a result of your negligence or improper use, is Owner’s responsibility.
Protection Plans, the Company’s contractual physical damage reimbursement benefits, and Security Deposit and Security Deposit Waiver are further summarized as follows:
Protection Plans – Insurance Provided by Insurer. Where a Protection Plan is purchased for a rental, liability insurance and any other insurance coverages described in the applicable Protection Plan policy are underwritten solely by the Insurer identified in these Terms. All such insurance is provided subject to that policy’s terms, conditions, limits, deductibles, and exclusions. The summaries in these Terms are for information only and do not change, modify, alter, or expand any insurance coverage provided under any policies in any way. In the event of any conflict or inconsistency between these Terms and the applicable Protection Plan policy, the express terms of the policy shall strictly control.
Company Contractual Physical Damage Reimbursement. For eligible rentals where the Protection Plan includes physical damage protection for the RV, the Company may, subject to the applicable Protection Plan terms and exclusions, reimburse the Owner on a contractual basis for certain covered physical damage to the RV in excess of the applicable per-occurrence deductible, up to the maximum limits stated in these Terms. Any such contractual reimbursement is provided by the Company and not by Insurer, and is not an insurance policy.
Security Deposit and Security Deposit Waiver – Allocation of Deductibles and Charges Between Owner and Renter. Any Security Deposit or Security Deposit Waiver relates solely to how deductible amounts, certain charges, and other amounts owed under these Terms are allocated and collected as between the Renter and the Owner. A Security Deposit or Security Deposit Waiver does not change: (a) the coverage provided under any Protection Plan policy; (b) the scope of any contractual physical damage reimbursement benefits the Company may provide to the Owner; or (c) the Owner’s obligation to maintain their own insurance. If a Security Deposit Waiver is purchased by the Renter, it will apply only as described in the Security Deposit and Security Deposit Waiver provisions of these Terms (including any applicable limits, exclusions, and ineligible events such as certain festivals) and only toward eligible amounts otherwise payable by the Renter, such as applicable Protection Plan deductible amounts.
No Guarantee of Coverage or Payment Beyond Express Terms. Neither the existence of a Protection Plan, nor any contractual physical damage reimbursement benefit, nor any Security Deposit or Security Deposit Waiver, guarantees that any particular loss, damage, or charge will be covered, reimbursed, or waived. Coverage and reimbursement, if any, are determined exclusively in accordance with the applicable policy or contractual terms, and renters and owners remain responsible for any uncovered or excluded amounts under these Terms.
For the avoidance of doubt, with respect to all Protection Plans, Insurer provides no physical damage coverage or contractual reimbursement benefits. Insurer bears no financial or legal responsibility whatsoever for physical damage to any RV.
A vehicle may be deemed a total loss when repair costs, salvage value, and related expenses meet or exceed the vehicle’s actual cash value (“ACV”), or as otherwise permitted by applicable law. If a total loss is declared, settlement will be limited to the vehicle’s ACV immediately prior to the loss, less any applicable deductibles, prior payments, unpaid amounts, salvage value, and other lawful offsets. Settlement amounts are subject to plan limits and exclusions. We do not guarantee payment of any loan, lease, or lien balance. Settlement is not based on amounts owed to any third party. Upon declaration of a total loss, we may take possession of the vehicle and/or its salvage. If owner retention is permitted, the settlement may be reduced by the determined salvage value and related costs. If the vehicle is sold, transferred, or otherwise disposed of after the date of loss, any proceeds received may be deducted from the settlement. Failure to disclose such disposition may result in reduction or denial of payment. Taxes, title, and registration fees are included only when required by applicable law.
Common RV physical damage exclusions which are not covered in the Protection Plans include (a) Water Damage from Neglect (Seals/Caulking): Damage caused by leaks from degraded seals, roof seams, or windows causing water intrusion due to failed, old sealant; (b) Mold, Fungi, and Rot: Mold growth resulting from poor ventilation, humidity, or unaddressed water intrusion; (c) Wear and Tear/Weathering: Long-term damage from sun exposure (fading, cracking), oxidation, or gradual degradation of fabrics (awnings) and materials; (d) Freezing Damage: Damage to plumbing or systems caused by failure to properly winterize the RV and (e) Gradual Corrosion/Rust: Damage caused by long-term exposure to humid or salty air. This is not exhaustive and only the policy documents and Protection Plan documents govern the exclusions.
All Protection Plans provide bodily injury and property damage liability insurance coverage during rental periods that is underwritten exclusively by the Insurer identified in these Terms. Owners receive liability coverage up to $1,000,000 per occurrence (excluding New York bookings, which may be subject to different limits as required by applicable law and the policy). Renters receive liability coverage at the applicable state minimum financial responsibility limits, unless the Renter selects and purchases a Protection Plan Preferred Package, in which case higher limits may be provided. All liability coverage provided under any Protection Plan is subject to the "Other Insurance" provisions of the applicable policy and may apply on an excess basis over any other valid and collectible insurance available to the Renter or Owner. Driving, towing, or moving a Stationary RV at any time is strictly excluded and will result in a denial of coverage for any claims arising under the Protection Plan for that rental.
If an RV Rental is cancelled before it begins, the Screening Fee paid by the Renter will be retained; however, no additional minimum earned charge will be retained by the Insurer for any insurance, or by the Company for any protection afforded under a Protection Plan. However, if an RV Rental is cancelled after it begins, the Company and/or Insurer may retain the Screening Fee and a portion of the charges due for insurance and protection provided under a Protection Plan, which will be pro-rated based on the duration of the rental
All claims, coverages, and rights under Protection Plan insurance policies are governed solely by the applicable policy terms and conditions. Without limiting the foregoing, the Protection Plans do not offer or provide Owners, Renters, Approved Drivers, or anyone else using the RV, any uninsured or underinsured motorists’ bodily injury or property damage, medical payments, personal injury protection(no fault), or any other coverage unless expressly included in the applicable policy or specifically required under applicable law. As purchasers of coverage under an insurance policy in a Protection Plan, all Owners and Renters expressly agree to the selections and rejections made thereunder and, to the maximum extent permitted by law, expressly waive and reject any such coverages. The named insured has rejected all coverage other than the coverage defined and offered for purchase herein.
The material provided herein is for information purposes only and does not constitute a representation of coverage for any particular situation. Coverage is subject to underwriting, and all terms, conditions, limitations, and exclusions are set forth in the applicable policy. Not all coverages or products are available in all states and policy terms may vary based on state requirements. Any terms or rates reflected herein are for illustrative purposes only and are not intended to, and shall not be legally binding in any way or reflect any actual or proposed rates or terms of any insurance company under any insurance policy. Anyone interested in obtaining the specific terms of the insurance coverage should request a copy of the applicable insurance policy to determine the precise scope and limitations of coverage.
The Insurer is a surplus lines insurer that is not licensed as an admitted insurer in your state and does not solicit insurance directly in your state/ coverage is available only through licensed surplus lines brokers. For Protection Plan policies, the insurance was procured through Crum & Forster Insurance Brokers, Inc. an affiliated company of Crum & Forster, acting in its capacity as a licensed surplus lines broker. Each Protection Plan’s coverage territory is the United States for trips originating in the United States and Canada; There is no coverage for accidents occurring in Mexico or any other jurisdiction outside of the U.S. or Canada.
Protection Plans deductibles will double for any damage that occurs to an RV taken to a festival that is unauthorized by RVshare, including but not limited to “Burning Man” hosted by the Burning Man Project in the vicinity of Black Rock Desert, Nevada. The Security Deposit Waiver does not cover damage occurring at Burning Man.
If your RV is stolen, sustains damage, and is recovered within 30 days using a PassTime GPS device, your physical damage deductible under the RVshare Protection Plan will be waived.
By booking a rental through our platform , Renters expressly understand and agree that: (i) coverage under the Protection Plan is limited as set forth above and in the applicable policy itself; (ii) the intent of any liability insurance provided to them is to protect them against claims (of property damage and bodily injury) made by third parties arising out of their, or an Approved Driver’s, operation of the rented RV and that Protection Plans only provides physical damage protection for a rented RV once the Renter has taken possession of the RV and therefor does not cover the Owner or Renter during the delivery or pickup of the unit to or from to the Renter’s location or at any other time.
Completed departure and return forms, supplied by Company, must be submitted in the event a claim occurred and is filed. The departure forms including photos must be completed before the trip start and the return forms including photos must be dated by the Owner no later than forty-eight (48) hours after the end of term in which the loss occurred.
In order to be eligible for payment under a Protection Plan for physical damage to an RV, the Owner must: (a) complete and submit the Company-supplied departure forms, including required photos, before the trip start; and (b) complete and submit the Company-supplied return forms, including required photos, no later than forty-eight (48) hours after the end of the rental term in which the loss occurred. Submitted photos must be taken during the daylight hours to provide ability to complete the digital appraisal estimate. If the Owner does not complete and submit the departure and return forms, including required photos, within these time frames, any damages otherwise payable under a Protection Plan for that occurrence will be reduced by an amount equal to double the applicable deductible listed on the declarations page, up to a maximum reduction of $8,000 per occurrence.
Any accident involving bodily injury or property damage to others, or a stolen vehicle, hit-and-run, or phantom vehicle, must be reported to the appropriate law enforcement agency immediately, and in all cases no later than seventy-two (72) hours after the accident. Except where prohibited by applicable law or inconsistent with the terms of the Protection Plan policy (which shall strictly govern the reporting , investigation, and handling of all liability claims), the Protection Plan will not pay for a loss that is not reported to the Company within thirty (30) days after the end of the rental term in which the loss occurred.
By booking a rental through the platform, Renters agrees: (a) the Company may charge their payment method for the full cost of any purchased Protection Plans; (b) the Renter authorizes the Company to charge the credit card or ACH used to make the booking to collect any deductible amounts owed in connection with their Protection Plan in excess of the withheld Security Deposit; and (c) if the Renter purchased a Security Deposit Waiver for the rental, the Security Deposit Waiver will be applied, subject to its terms, conditions, limits, and exclusions, only toward eligible Protection Plan deductible amounts due, up to the first $4,000 for Class A’s or $1,500 for all other RVs per occurrence, and does not apply to any other fees, penalties, or charges unless expressly stated in these Terms.
In the event that a Renter initiates a chargeback with their credit card company for and Protection Plan charges, the Company will use commercially reasonable efforts to dispute the validity of the chargeback. Owner and Renter agree to cooperate with the Company and to provide any information that may be reasonably requested by the Company in its investigation. Owner and Renter authorize the Company to share information about a chargeback with the Company, the Renter, the Renter’s financial institution, the Owner, and the Owner’s financial institution in order to investigate or mediate a chargeback. Renter acknowledges that chargeback decisions are made by the applicable issuing bank, card networks, or NACHA (National Automated Clearing House Association) and all judgments as to the validity of the chargeback are made at the sole discretion of the applicable issuing bank, card network, or NACHA. If the chargeback is upheld or additional funds are not secured, the Owner shall be responsible for the difference between the security deposit and any and all Protection Plan deductible amounts due. Insurance and Protection coverage under any Protection Plan is expressly conditioned upon the successful collection and remittance of the applicable charges. Failure to successfully pay for the Protection Plan, including through a sustained chargeback, may result in the cancellation of coverage or denial of claims.
Submission of information through any website, portal, or app does not obligate the applicant to purchase insurance from Crum & Froster, nor does it bind Crum & Forster to issue any insurance policy or product.