Optional Insurance Terms

Optional Insurance and Protection Terms

Insurance Policy Terms (only applicable if purchasing insurance through the RVshare platform).

Last updated: March 30, 2022

As a condition to the rental of the RV, the Owner (not the Company) has elected to attach an insurance policy to the rental of the RV underwritten by one of the companies within Crum & Forster and to use this RV Rental Agreement & 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 broker, agent or 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 associated with The Policy. If you do not agree to these Terms, your only recourse is to not rent the RV.

Optional Insurance and Protection administered by RVshare Protection Products LLC and underwritten by Crum & Forster Specialty Insurance Company.   If you choose to purchase insurance and protection referred to throughout as “The Protection Plan” and administered by RVshare Protection Products LLC and underwritten by Crum & Forster Specialty Insurance company, you will be added as additional insured to the Liability Insurance Policy, which is an excess and surplus lines policy issued in the state of Ohio. Note the Company is not a broker, agent or insurer. 

The Protection Plan covers claims while the Renter or an authorized and pre-approved Driver is operating the vehicle listed on The Policy, for the coverage provided by The Protection Plan and for which the Renter has paid the applicable charges.  In addition, The Protection Plan covers claims while the vehicle listed on The Protection Plan is occupied but not under operation, for the coverage provided by The Protection Plan and for which you have paid the applicable charges.  Units 15 years old or newer and a max stated value up to $300,000 will have physical damage protection with a per occurrence claim deductible. All units will have bodily injury and property damage liability insurance underwritten by Crum & Forster Specialty Insurance Company as the applicable limit for Members and the state minimum financial responsibility limit for the Renter with a per occurrence claim deductible, on an excess basis.  

If The Protection Plan is cancelled at your request prior to taking possession of the RV rental, there will be no minimum earned charge retained by RVshare Protection Products LLC or Crum & Forster for insurance and protection.  However, if The Protection Plan is cancelled at your request after taking possession of the RV rental, the charges will be earned pro rata calculated based on the number of days of the actual trip and retained by RVshare Protection Products LLC and Crum & Forster.  

The Crum & Forster insurance policy in The Protection Plan does not offer nor cover You, or anyone using the RV, for uninsured, underinsured or uninsured/underinsured motorists’ bodily injury or property damage, medical payments coverage or personal injury protection or any other coverage not noted above and pre-approved by RVshare Protection Products LLC.  The named insured has rejected all coverage other than the coverage defined and offered for purchase herein and as a purchaser of coverage under the Crum & Forster insurance policy in The Protection Plan you expressly agree to the selection and rejections made by the named insured under the Crum & Forster insurance policy in The Protection Plan.  However, The Crum & Forster insurance policy in the Protection Plan may comply with individual state specific requirements.  If an accident, to which the Crum & Forster insurance policy in The Protection Plan applies, occurs in any state or province other than the one in which the Crum & Forster insurance policy in The Protection Plan is written, we will interpret the Crum & Forster insurance policy in The Protection Plan coverage for the Accident or occurrence as follows:

If the state or province has a financial responsibility, compulsory insurance or similar law requiring a driver using a recreational vehicle in that state or province to maintain insurance with limits of liability for bodily injury or property damage higher than the limits in the Crum & Forster insurance policy in The Protection Plan provides, then the limits of liability under the Crum & Forster insurance policy in The Protection Plan applied to that accident will be the higher Minimum Liability Coverage limits required by the law in that state or province or the applicable limits of liability provided for that insured under the  Crum & Forster insurance policy in The Protection Plan. 

The Protection Plan’s coverage territory is the United States and Canada.  There is no coverage for accidents occurring in Mexico.

By purchasing the Crum & Forster insurance policy in The Protection Plan, you expressly agree that you understand that the coverages are limited as set forth above and that the intent of the Crum & Forster Insurance Policy in The Protection Plan that you selected and purchased is to provide liability coverage to third parties who may be injured by your operation of the RV and that The Protection Plan only provides physical damage protection for the RV you have rented once the Renter has taken possession and does not cover the Owner during delivery or pickup of the unit to the Renter’s location.

The Crum & Forster liability insurance policy is not covered under the states’ property and casualty guaranty fund, and the insurer or the risk retention group from which your purchasing group obtained its insurance may not be subject to all of the insurance laws and rules of this state.

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 72 hours after the end of term in which the loss occurred. In the event that the Owner does not complete the departure forms including photos before the trip start and the return forms including photos, as supplied by Company, within 72 hours after the end of term in which the loss occurred, then any damages paid out of The Protection Plan will be reduced by 200% of the applicable deductible listed on the declarations page up to a maximum of $3,000 per occurrence.  Any accident involving bodily injury or property damage to others or a stolen vehicle or hit-and-run or phantom vehicle must be reported to the appropriate law enforcement agency immediately or no later than 72 hours of the accident.  

Renter agrees that the Company may charge their payment method for the full cost of The Protection Plan related to a rental booked through Company.   In addition, the Renter authorizes the Company to charge the credit card or ACH used to make the booking to collect up to The Protection Plan’s max $3,000 deductible per occurrence amount owed in excess of the withheld Security Deposit.

In the event that a Renter initiates a chargeback with their credit card company for The 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.

Your risk is not protected by the states’ property and casualty guaranty fund, and the insurer or the risk retention group from which your purchasing group obtained its insurance may not be subject to all of the insurance laws and rules of this state.

Consumer Report Authorization.  When you attempt to book or list an RV on RVshare, you are providing RVshare and RVshare Protection Products LLC with written instructions and authorization in accordance with the Fair Credit Reporting Act, applicable consumer reporting laws, or any other similar laws to obtain your personal and/or business auto insurance score, credit report or conduct a background check, including obtaining a motor vehicle report or a criminal background check where permissible under applicable law. You are also authorizing RVshare and RVshare Protection Products LLC to obtain your personal and/or business auto insurance score, credit report or conduct a background check at any time RVshare and RVshare Protection Products LLC reasonably believes there may be an increased level of risk associated with your account or reservation. You understand that, pursuant to the federal Fair Credit Reporting Act, if any adverse action is to be taken based upon the consumer report, a copy of the report and a summary of the consumer's rights will be provided to you.