Frequently Asked Questions – FAQs

 

Common RV Owner and RV Rental Company Questions

RV owners who would like to earn a little extra income by sharing their RV with others. Their RV may often go unused, or they may be looking to help offset the expenses of owning an RV, such as loan payments, insurance, maintenance and storage. RV rental companies also list their units on RVPlusYou.

The RV owner must accept your reservation request for the dates and pricing you have agreed to, then you must click on the shopping cart to pay and confirm your reservation. Accepted payments include Paypal, Visa, MasterCard and American Express. When you reach the payment window, enter your billing information first, then click ‘Continue’. You will see the option to pay by credit card on the next screen. Click for details on How to Book.

RVPlusYou provides a Rental Protection Policy, but this policy only applies when the RV is rented through this website, and within the contracted rental period. The RV is NOT covered while the RV is moving. Coverage applies only after the RV is set up at the destination. Most auto policies cover RV trailer towing, as well as your motorhome while you’re driving it to the campground destination, but check with your agent to be sure your RV is covered for commercial operations. Insurance is always a question that should be discussed with your insurance professional.

The ‘Click to Call’ feature is located in the messaging center and allows RV Owner and RV Renter to communicate over the telephone via live phone call.  The feature is only available after an RV Renter has made a rental inquiry to an RV Owner AND the user profile is updated with a verified mobile phone number. To Opt Out of the feature, edit your profile and untick the box marked, “Share this number”.

RVPlusYou will process the transaction and holds both renter’s deposit, as well as owner’s funds. Once the rental is complete, RVPlusYou returns the deposit to the renter and pays the RV owner their portion of the rental fees within 72 hours.  On the day of check out, if the RV Owner will notify RVPlusYou that there is no damage to the RV, funds can usually be released next business day.

RVPlusYou will send payment to your PayPal account, or by check. Make sure your personal information is updated in the account section of your dashboard. Look for “Payout Preference”

RVPlusYou holds payment for the RV rental, thereby making sure that both parties get what they expect. Payment to the owner of the RV does NOT happen until after check out. Booking through RVPlusYou means a reliable RV rental is delivered when it’s supposed to be, and payment for services is paid on time to RV owners. RVPlusYou provides marketing, advertising, reservation and booking software, as well as a $5,000 liability and $300,000 Protection Policy designed to protect both parties.

NOTE: Only fraudsters and scammers will request payment outside of the RVPlusYou booking system. If the RV owner requests information or payment outside of the platform, do not proceed with the booking!

RVPlusYou is built on a trust platform, meaning that each party is verified by phone number, email, and social media (if available). Each party creates a profile that includes a full name, descriptive personal bio, and photos. We encourage users to get to know each other through our messaging system. Renters and RV owners are rated and reviewed by each other for past transactions. This builds value for RV Owners and peace of mind for RV renters. Remember, when in doubt, ask questions! Reach out to multiple RV owners. If you′re not getting the answers you need, consider booking with another RV owner.

RVPlusYou does not get involved in the delivery of the RV. The logistics of the RV rental delivery and set up is arranged by the owner. The  RV is usually delivered by the RV owner, RV Vacation Rental manager, or a contracted RV Transport company.

Yes, however most damage as well as excess miles on your RV will happen when you let others drive or tow. If you want to limit damage and maintain resell value, your focus should be on delivered RV rentals. Driving or towing any size recreational vehicle is unfamiliar to most renters. Even experienced renters have trouble with unfamiliar units. If a renter asks to drive or tow your rig, it is completely up to you. Note: RVPlusYou Rental Protection policy does not apply to moving RV rentals.

The safest rental transaction is when RVPlusYou handles the transaction for both parties, which qualifies for the Protection Program. It is also wise for both parties to conduct business on the RVPlusYou platform, where conversations are recorded and a qualified 3rd party is expediting the transaction. It is important to note that RV owners booking off line are in violation of our terms and conditions. The booking fee normally paid by the renter will be invoiced to the RV owner for any bookings that occur off-platform.

The RV Owner is responsible for sterilization, following CDC guidelines for sanitizing after use. The RV owner or rental company is also responsible for the quality and functionality of the RV that they are renting out to guests.

Remember, RVPlusYou is holding a security deposit from renter and the rental fees due to RV owner. If a renter cancels, then the cancellation policy for that particular RV will apply. If an RV owner fails to deliver, then he or she will not be paid and a negative review will be posted. Renter will recover their rental fees.

The RVPlusYou Protection program is paid  by RVPlusYou from booking fees (6% to 17% depending on total cost) charged by RVPlusYou for each rental. The Program only provides coverage when booked through the RVPlusYou website and only for “Delivered RV Rentals”.

As a RVPlusYou member, your primary source of protection against damage or liability is your automobile insurance policy, especially when the RV is being transported. However, certain insurance policies can contain exclusions, i.e. situations in which the insurance company will not pay for a claim. It is not uncommon for automobile policies to expressly exclude coverage for losses arising out of rental activity, and the involvement of third parties.

The liability coverage on your rented recreational vehicle presently may not be sufficient to protect you, where your negligence has caused bodily injury to others or if you accidentally cause damage to another person’s property as a RVPlusYou recreational vehicle owner. Moreover, today, when multi-million dollar lawsuits are common, your automobile policy may provide substantial liability limits, but it may not be enough.

It is important to consult with your professional insurance advisers to ensure your policy will respond to losses associated with and arising out of your activities as a RVPlusYou recreational vehicle owner.

The RVPlusYou Protection Program can respond where automobile’ insurance does not. Whether the issue requires medical care or repair of property, you will typically have coverage up to the program limits. There are exclusions, such as expected or intended damages, abuse or molestation, liquor liability, etc., so it is important to fully understand the program details.

The RVPlusYou Protection Program liability coverage protects RVPlusYou recreational vehicle owners in the event that someone is injured on your recreational or you are deemed responsible for personal injury or property damage through negligence, in every case solely associated with a RVPlusYou booking. The program will also defend any claims against RVPlusYou recreational vehicle owners and pay for reasonable and necessary medical expenses up to the program limit regardless of who was at fault.

A deductible is the portion RVPlusYou recreational vehicle owners are responsible for paying in the event of a claim. For example, the RVPlusYou Protection Program has a $2,500 deductible and a program limit of $300,000 in liability protection.

Any occurrence or circumstances that could give rise to a claim must be reported immediately. Contact RVPlusYou immediately to file a liability claim report under the RVPlusYou Protection Program. Assume no obligation, admit to no liability or incur any expenses for which we are or may become liable without written permission, except incurred to protect the property from further loss. Gather any documents, correspondence, memos, photos, video, etc. that may be pertinent to the claim.

The RVPlusYou Protection Program insurers will appoint a claims adjuster to investigate the circumstances of the loss. The RVPlusYou Protection Program insurers will assess the claim to determine what coverage is available and then evaluate the claim directing any further investigation or litigation necessary. In the case of a legal action made against you, The RVPlusYou Protection Program insurers will evaluate whether a defense is owed by the policy and appoint experts and/or lawyers for the defense team.

Fully participate and cooperate in the investigation and the defense of the claim against you; It is important that you share all information that you have about the claim with your claim team; Be prepared to attend examinations for discovery, mediation, settlement conferences, or a trial.

The RVPlusYou Protection Program has the option to settle a liability claim without your consent to settle;

The program will pay up to the limit of liability for any one occurrence, and will independently settle or defend any claim or suit asking for damages. The duty to settle or defend ends when the limit of liability is exhausted. Member Host coverage is subject to a deductible and RVPlusYou recreational vehicle owners must pay that amount when requested; Payment will be issued to the claimant, if required by a settlement, mediation, trial or arbitration.

As a RVPlusYou Recreational Vehicle Owner, your primary source of protection against loss is your automobile insurance policy, especially when you’re transporting your RV. However, certain insurance policies can contain exclusions, i.e. situations in which the insurance company will not pay for a claim. It is not uncommon for automobile policies to expressly exclude coverage for losses arising out of commercial, business and or rental activity, or the involvement of third parties. Simply put, the property coverage on your recreational vehicle presently may not be sufficient to protect your asset. It is important to consult with your professional insurance advisers to ensure your policy will respond to losses associated with and arising out of your activities as a RVPlusYou Recreational Vehicle Owner.

The RVPlusYou Protection Program can respond where your automobile insurance does not. Whether the issue requires replacement or repair of personal or real property related to the RV rental, you will typically have coverage up to the program limits. There are exclusions, such as expected or intended damages, smoking and pets etc., so it is important to fully understand the program.

The RVPlusYou Protection Program property coverage protects RVPlusYou Recreational Vehicle Owners in the event of accidental loss or damage to real or personal property caused by guests and/or arising out of your activities as a RVPlusYou Recreational Vehicle Owner, above a minimum claim threshold of $100.00. Maximum, $5,000.  Note: The security deposit may also be used to replace accidental loss or damage.

The definition of accidental damage is pretty uniform across insurance policies: damage that occurs suddenly as a result of an unexpected and non-deliberate external action. In layman’s terms, that usually means an unintentional one-off incident that harms the Recreational vehicle or its contents. So, general wear and tear or damage that occurs gradually will be excluded. Recreational Vehicle Owners also won’t be covered for mechanical failure.

It’s a good idea to create an up-to-date contents inventory to to expedite a claim settlement if you ever need to make one. With a complete contents inventory, our partners can verify property easier, which makes settling any claim easier. Video of your RV set up at the rental location is a good way to document the condition prior to a rental.

Replacement cost for contents means the cost on the date of the loss or damage, of repairing or replacing (whichever is less) damaged property with new property of similar kind and quality, without deduction for depreciation, but not exceeding the applicable amount (s) of insurance as shown on the coverage summary page for any loss or damage arising out of one occurrence. Actual Cash Value(ACV) is an assessment of value of an item that considers depreciation. In determining depreciation, consideration is given to the condition of the item immediately before the damage, the resale value of the item & the normal life expectancy of the item in question.

Here’s what will be asked of you when you start your claim:

Provide as many details as possible regarding the incident; A police or fire department report (if one was made); For equipment or appliances, documentation includes things like invoices, receipts, photos, make/model/serial numbers (or even user guides and warranties); Photographs, video, and images where available. TAKE NOTES!

Every loss is different. For example, the restoration of significant damage caused by a fire may take longer than a claim for a straightforward theft. We make every effort to provide you with all the information you need up front in order to move the process along quickly, however each claim is different.

By verifying your mobile phone, you qualify for “Click to Call”. Click on your dashboard and find your profile. Click on “edit profile” and then verify your mobile phone. Follow the prompts. You are now set up for “Click to Call”. Note: Both parties (RV renter and RV owner) must agree to allow phone calls in their profile.

Please check your junk or spam mail box and change your email settings to list RVPlusYou as a safe sender. If you’re still having trouble, contact Customer Support.

Remember that passwords are case sensitive. Be sure you have replicated your login exactly as you typed it when you signed up and that “Caps Lock” button is not on. If you continue to have issues, contact customer support.

Yes. Click on the ‘Edit’ tab and you will see it there.

A Gold Host is an RV owner or rental company in good standing with RVPlusYou, has booked more than two rentals, and has met all other minimum requirements

The Gold Host Program was created to recognize those RV rental companies and individual owners who go above and beyond when it comes to service. It is our way of providing more benefits and greater advantage to RV owners who take their business seriously by responding quickly, keeping their listing updated, and following our terms and conditions. More information…

Common RV Renter Questions

No. RVPlusYou is different than other RV rental companies. Our RV owners will deliver, and set up the RV for you at an agreed destination—RV resorts, campgrounds, special events, farms, even private homes. You never have to drive the RV. You simply drive up to the location and begin enjoying your RV accommodations. At the end of your stay, you check out and drive away.

Yes, you almost always need to find your own campsite reservation, but that can be negotiated with the RV owner. The campsite fee is paid separately from your RV rental through RVPlusYou unless you have made arrangements with the RV host. Some campgrounds are first-come, first-serve and your RV host can advise you how to best to secure those sites. Other campgrounds book up months in advance and require reservations well in advance.

RV owners who would like to earn a little extra income by sharing their RV with others. Their RV may often go unused, or they may be looking to help offset the expenses of owning an RV, such as loan payments, insurance, maintenance and storage. RV rental companies also list their units on RVPlusYou.

Rates and fees are determined by each individual RV owner. Owners publish a nightly or weekly rate that may vary depending on the season, special event, etc. Most also charge for delivery (to cover gasoline and set-up) and cleaning. Some may offer optional amenities such as camp gear, firewood or fuel for a generator. RVPlusYou collects a nominal booking fee (6% to 17%) from renters based on a percentage of your reservation dollar amount. Charges are clearly outlined for you when you make a booking inquiry to an RV owner. For more information, see RV Rental Cost.

The RV owner must accept your reservation request for the dates and pricing you have agreed to, then you must click on the shopping cart to pay and confirm your reservation. Accepted payments include Paypal, Visa, MasterCard and American Express. When you reach the payment window, enter your billing information first, then click ‘Continue’. You will see the option to pay by credit card on the next screen. Click for details on How to Book.

Yes, RV owners set the amount of the security deposit which is collected and held by RVPlusYou. If there is no damage to the unit at the conclusion of the rental period, the deposit is returned in full to the renter within 72 hours. The RV owner will notify the renter within 72 hours if there are any charges for damages that will be deducted from the security deposit.

RVPlusYou provides a Rental Protection Policy, but this policy only applies when the RV is rented through this website, and within the contracted rental period. The RV is NOT covered while the RV is moving. Coverage applies only after the RV is set up at the destination. Most auto policies cover RV trailer towing, as well as your motorhome while you’re driving it to the campground destination, but check with your agent to be sure your RV is covered for commercial operations. Insurance is always a question that should be discussed with your insurance professional.

Always communicate with the owner first. RVPlusYou facilitates the payment transaction, but the rental agreement is between you and the RV owner. Most issues can be resolved easily with cordial communication. If resolution cannot be found, call RVPlusYou at 800-977-5444 , or email at support@RVPlusYou.com and we will mediate any disputes between the RV owner and renter per our Guest Refund Policy. Remember, it’s always a good idea to document any damage or issues with the RV, and always communicate via our messaging platform to insure we have access to the communication between RV owner and guest.

The ‘Click to Call’ feature is located in the messaging center and allows RV Owner and RV Renter to communicate over the telephone via live phone call.  The feature is only available after an RV Renter has made a rental inquiry to an RV Owner AND the user profile is updated with a verified mobile phone number. To Opt Out of the feature, edit your profile and untick the box marked, “Share this number”.

RVPlusYou holds payment for the RV rental, thereby making sure that both parties get what they expect. Payment to the owner of the RV does NOT happen until after check out. Booking through RVPlusYou means a reliable RV rental is delivered when it’s supposed to be, and payment for services is paid on time to RV owners. RVPlusYou provides marketing, advertising, reservation and booking software, as well as a $5,000 liability and $300,000 Protection Policy designed to protect both parties.

NOTE: Only fraudsters and scammers will request payment outside of the RVPlusYou booking system. If the RV owner requests information or payment outside of the platform, do not proceed with the booking!

RVPlusYou is built on a trust platform, meaning that each party is verified by phone number, email, and social media (if available). Each party creates a profile that includes a full name, descriptive personal bio, and photos. We encourage users to get to know each other through our messaging system. Renters and RV owners are rated and reviewed by each other for past transactions. This builds value for RV Owners and peace of mind for RV renters. Remember, when in doubt, ask questions! Reach out to multiple RV owners. If you′re not getting the answers you need, consider booking with another RV owner.

The RV Owner is responsible for sterilization, following CDC guidelines for sanitizing after use. The RV owner or rental company is also responsible for the quality and functionality of the RV that they are renting out to guests.

Remember, RVPlusYou is holding a security deposit from renter and the rental fees due to RV owner. If a renter cancels, then the cancellation policy for that particular RV will apply. If an RV owner fails to deliver, then he or she will not be paid and a negative review will be posted. Renter will recover their rental fees.

By verifying your mobile phone, you qualify for “Click to Call”. Click on your dashboard and find your profile. Click on “edit profile” and then verify your mobile phone. Follow the prompts. You are now set up for “Click to Call”. Note: Both parties (RV renter and RV owner) must agree to allow phone calls in their profile.

Please check your junk or spam mail box and change your email settings to list RVPlusYou as a safe sender. If you’re still having trouble, contact Customer Support.

Remember that passwords are case sensitive. Be sure you have replicated your login exactly as you typed it when you signed up and that “Caps Lock” button is not on. If you continue to have issues, contact customer support.

Yes. Click on the ‘Edit’ tab and you will see it there.

After clicking on the “Book It” button, follow instructions. Fill out the contact information and click ‘Continue’. You will see the opportunity to pay by credit card. Click for More Payment Information.

How Payment for RV Rental Works

After clicking on the “Book It” button, follow instructions. Fill out the contact information and click ‘Continue’. You will see the opportunity to pay by credit card. Click for More Payment Information.

If your trip starts within 30 days from the day you book your trip, your credit card will be charged the total booking amount on the day you reserve your RV.

If your trip starts more than 30 days after the day you book your trip, you will have the option of splitting your payment. 50% of the total booking amount is charged on the day you book, and 50% will be charged 30 days prior to check in.

Your credit card on file will be automatically charged 30 days prior to check in, for the second half of the total amount due.

If you don’t pay the second half of the amount due for your RV rental, notice will be sent to the RV owner and your reservation will be cancelled. The cancellation policy of the RV owner will apply.

Note: You will be given the opportunity to add a new credit card, or arrange payment for the second half of the amount due.

Yes. The security deposit is refundable (within 72 hours after check out) and only used in cases of damage, or where renter purchases extra nights or other items from RV owner.

Yes. If your arrival date is more than 30 days out, you may book the first 50% of the total with one credit card, add a second payment method and pay for the second half of the rental with the added credit card. More information

How to Book an RV Rental

RV rental search listings barUse the map feature to discover areas where RV’s can be delivered. Most RV owners will deliver within 60 to 100 miles of their location. Contact several RV owners to insure you have options for your trip.Map of RV Rental ListingsNote: Most RV owners require that you make campground reservations, unless your RV rental will be delivered to a private residence or event. 

Once you find an RV rental that works for you, contact the owner and check availability.

  • First you must sign up and become a member. It’s free and easy to do.
  • After you complete your profile, you may contact the RV owner and ask questions: Click on “Check Availability” and follow the instructions.Photo of RV host and check availability button

The best way to find the right RV for you and your family, is to ask questions of multiple RV owners. Remember, it doesn’t obligate you to “Check Availability” and ask questions. If the RV listing doesn’t provide the necessary information or photos that help you make a decision, just ask: “Will you please upload a photo of the bathroom? Does your RV rental include camp chairs?” – The process of asking questions allows you to determine whether or not this RV owner is attentive, service oriented, and ready to rent their RV to you.RV Rental Message box

Once you have decided on which RV rental is best for you, it’s time to book and reserve the RV for your dates.

Important: You may not book and pay for the RV until the RV owner approves your rental request. Once they accept your request to book their RV, you will see the option to click on the Book It button and follow the instructions to pay for your RV rental. Fill out requested information and follow instructions to pay by credit card.  Detailed payment information.

Book it button in Dialogue box

How to List Your RV For Rent

By clicking on “List your RV” you will start a process that first requires you to sign up or log in if you haven’t already.

To become a member, simply click on the Sign Up button at the top of the page and then follow the prompts. You may use an email address or Facebook to sign up. It’s free and fast.
Sign up form for RV Plus You

Make sure to choose a title that will be searched. Example: Most renters don’t search for the make or model of an RV to rent. They will typically search by keywords that include, “RV Rental” and “Location”; where they are or where they want to be. Also, be complete in your description: What should renters expect when they arrive? What condition is your RV? What sets you apart? (The more relevant and useful information you provide, the better your chances are of booking the rental request).RV Rental Listing Form

Note: You must enter an address. We tell renters that RV owners will generally deliver within a 60 mile radius. Make sure your address reflects the center of your radius. We suggest entering a popular campground or RV park near your location. You can always note your delivery area in your description. Helpful Tip: Try the ‘Pinpoint on a Map’ feature to set your location on the street near the campground. 
RV Listing Address form

Your RV will NOT show up in search results until you “Activate” your listing. Follow the 3 steps below to finish your listing and activate:

  1. By clicking on “Continue” you must have accepted our Terms and Conditions to finish completing your RV rental listing. Click on “Complete Your RV Listing”Activate RV Message for RV Listing
  2. Before you can go live and activate your RV rental listing, you must enter an address and you must upload photos of your RV. The “Manage RV” tab to the left shows how many steps are left to complete before you can activate your listing. Note: This is only the minimum requirement. It is highly recommended that you navigate to the different RV listing functions and enter detailed information such as your Security Deposit, Amenities, Cancellation policy, Delivery fees, and other details. The more details you enter and the better your photos, the more likely you are to be successful. Use the Manage RV categories to the left in order to make sure you’ve completed your listing. 2 steps to go message-List your RV
  3. After uploading photos, entering your detailed pricing and terms, and your address and description, it’s time to activate. Click on the round button shown below to activate. The red “Hidden” slide will move to a green “Visible”. Your all set! Your RV will now show up in search results. We highly recommend that you read our How to Book guide so that you may assist your renters with the booking process.Manage RV Listing Page

RVPlusYou Rental Protection Policy

RVPlusYou provides a Rental Protection Policy, but this policy only applies when the RV is rented through this website, and within the contracted rental period. The RV is NOT covered while the RV is moving. Coverage applies only after the RV is set up at the destination. Most auto policies cover RV trailer towing, as well as your motorhome while you’re driving it to the campground destination, but check with your agent to be sure your RV is covered for commercial operations. Insurance is always a question that should be discussed with your insurance professional.

Yes, however most damage as well as excess miles on your RV will happen when you let others drive or tow. If you want to limit damage and maintain resell value, your focus should be on delivered RV rentals. Driving or towing any size recreational vehicle is unfamiliar to most renters. Even experienced renters have trouble with unfamiliar units. If a renter asks to drive or tow your rig, it is completely up to you. Note: RVPlusYou Rental Protection policy does not apply to moving RV rentals.

The RVPlusYou Protection program is paid  by RVPlusYou from booking fees (6% to 17% depending on total cost) charged by RVPlusYou for each rental. The Program only provides coverage when booked through the RVPlusYou website and only for “Delivered RV Rentals”.

As a RVPlusYou member, your primary source of protection against damage or liability is your automobile insurance policy, especially when the RV is being transported. However, certain insurance policies can contain exclusions, i.e. situations in which the insurance company will not pay for a claim. It is not uncommon for automobile policies to expressly exclude coverage for losses arising out of rental activity, and the involvement of third parties.

The liability coverage on your rented recreational vehicle presently may not be sufficient to protect you, where your negligence has caused bodily injury to others or if you accidentally cause damage to another person’s property as a RVPlusYou recreational vehicle owner. Moreover, today, when multi-million dollar lawsuits are common, your automobile policy may provide substantial liability limits, but it may not be enough.

It is important to consult with your professional insurance advisers to ensure your policy will respond to losses associated with and arising out of your activities as a RVPlusYou recreational vehicle owner.

The RVPlusYou Protection Program can respond where automobile’ insurance does not. Whether the issue requires medical care or repair of property, you will typically have coverage up to the program limits. There are exclusions, such as expected or intended damages, abuse or molestation, liquor liability, etc., so it is important to fully understand the program details.

The RVPlusYou Protection Program liability coverage protects RVPlusYou recreational vehicle owners in the event that someone is injured on your recreational or you are deemed responsible for personal injury or property damage through negligence, in every case solely associated with a RVPlusYou booking. The program will also defend any claims against RVPlusYou recreational vehicle owners and pay for reasonable and necessary medical expenses up to the program limit regardless of who was at fault.

A deductible is the portion RVPlusYou recreational vehicle owners are responsible for paying in the event of a claim. For example, the RVPlusYou Protection Program has a $2,500 deductible and a program limit of $300,000 in liability protection.

Any occurrence or circumstances that could give rise to a claim must be reported immediately. Contact RVPlusYou immediately to file a liability claim report under the RVPlusYou Protection Program. Assume no obligation, admit to no liability or incur any expenses for which we are or may become liable without written permission, except incurred to protect the property from further loss. Gather any documents, correspondence, memos, photos, video, etc. that may be pertinent to the claim.

The RVPlusYou Protection Program insurers will appoint a claims adjuster to investigate the circumstances of the loss. The RVPlusYou Protection Program insurers will assess the claim to determine what coverage is available and then evaluate the claim directing any further investigation or litigation necessary. In the case of a legal action made against you, The RVPlusYou Protection Program insurers will evaluate whether a defense is owed by the policy and appoint experts and/or lawyers for the defense team.

Fully participate and cooperate in the investigation and the defense of the claim against you; It is important that you share all information that you have about the claim with your claim team; Be prepared to attend examinations for discovery, mediation, settlement conferences, or a trial.

The RVPlusYou Protection Program has the option to settle a liability claim without your consent to settle;

The program will pay up to the limit of liability for any one occurrence, and will independently settle or defend any claim or suit asking for damages. The duty to settle or defend ends when the limit of liability is exhausted. Member Host coverage is subject to a deductible and RVPlusYou recreational vehicle owners must pay that amount when requested; Payment will be issued to the claimant, if required by a settlement, mediation, trial or arbitration.

As a RVPlusYou Recreational Vehicle Owner, your primary source of protection against loss is your automobile insurance policy, especially when you’re transporting your RV. However, certain insurance policies can contain exclusions, i.e. situations in which the insurance company will not pay for a claim. It is not uncommon for automobile policies to expressly exclude coverage for losses arising out of commercial, business and or rental activity, or the involvement of third parties. Simply put, the property coverage on your recreational vehicle presently may not be sufficient to protect your asset. It is important to consult with your professional insurance advisers to ensure your policy will respond to losses associated with and arising out of your activities as a RVPlusYou Recreational Vehicle Owner.

The RVPlusYou Protection Program can respond where your automobile insurance does not. Whether the issue requires replacement or repair of personal or real property related to the RV rental, you will typically have coverage up to the program limits. There are exclusions, such as expected or intended damages, smoking and pets etc., so it is important to fully understand the program.

The RVPlusYou Protection Program property coverage protects RVPlusYou Recreational Vehicle Owners in the event of accidental loss or damage to real or personal property caused by guests and/or arising out of your activities as a RVPlusYou Recreational Vehicle Owner, above a minimum claim threshold of $100.00. Maximum, $5,000.  Note: The security deposit may also be used to replace accidental loss or damage.

The definition of accidental damage is pretty uniform across insurance policies: damage that occurs suddenly as a result of an unexpected and non-deliberate external action. In layman’s terms, that usually means an unintentional one-off incident that harms the Recreational vehicle or its contents. So, general wear and tear or damage that occurs gradually will be excluded. Recreational Vehicle Owners also won’t be covered for mechanical failure.

It’s a good idea to create an up-to-date contents inventory to to expedite a claim settlement if you ever need to make one. With a complete contents inventory, our partners can verify property easier, which makes settling any claim easier. Video of your RV set up at the rental location is a good way to document the condition prior to a rental.

Replacement cost for contents means the cost on the date of the loss or damage, of repairing or replacing (whichever is less) damaged property with new property of similar kind and quality, without deduction for depreciation, but not exceeding the applicable amount (s) of insurance as shown on the coverage summary page for any loss or damage arising out of one occurrence. Actual Cash Value(ACV) is an assessment of value of an item that considers depreciation. In determining depreciation, consideration is given to the condition of the item immediately before the damage, the resale value of the item & the normal life expectancy of the item in question.

Here’s what will be asked of you when you start your claim:

Provide as many details as possible regarding the incident; A police or fire department report (if one was made); For equipment or appliances, documentation includes things like invoices, receipts, photos, make/model/serial numbers (or even user guides and warranties); Photographs, video, and images where available. TAKE NOTES!

Every loss is different. For example, the restoration of significant damage caused by a fire may take longer than a claim for a straightforward theft. We make every effort to provide you with all the information you need up front in order to move the process along quickly, however each claim is different.

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