Introduction
Outdoorsy will pay for sudden, direct, and accidental damage to the listed vehicle for perils covered under our Comprehensive & Collision coverage. Payments will be issued to the legal owner of a listed vehicle unless otherwise specified by the legal owner.
Our collision coverage will apply when damages are sustained to the covered vehicle as to the result of an impact with an object or another vehicle or the upset of the vehicle.
All covered perils are subject to investigation and determination by our claims team.
Covered Comprehensive Losses
- impact with an animal (including a bird);
- explosion or earthquake;
- Fire;
- Vandalism
- falling objects
- riot or civil commotion
- Theft
- windstorm, hail, water, or flood; or
- breakage of glass not caused by collision.
If it is not a loss caused by the above (or a collision loss), there is no coverage.
If the guest misuses or is negligent in the use of a Vehicle, they will be fully financially responsible for any related claims, loss or damage.
Should a dispute arise between the Host and Guest, Outdoorsy may, in its sole discretion, assist to settle any disputes. Outdoorsy’s determinations on all security deposit dispute resolution and claim resolutions are final.
- Additional policy information can be found here.
Policy Exclusions
The Outdoorsy coverage will cover comprehensive and collision damages to the vehicle caused by a covered peril. However, as with any protection policy, there are necessary exclusions to the coverage. Outdoorsy does not cover the following:
-
Losses caused by mechanical or electrical breakdown or failure, wear and tear, lack of maintenance, or damages occurring over time, are not covered. This includes resulting damages from a covered peril that was found to be caused by failure or breakdown. (Example: If a fire is found to be caused by a mechanical failure, the resulting fire damage is not covered.)
-
Damages resulting from war, riot, terror, political unrest, biological/chemical, nuclear, or radioactive contamination.
-
Damages resulting from the manufacturer or prior repair defects.
-
Damages incurred where a host has not taken all necessary steps to respond to a manufacturer or NHSTA safety recall issued on their vehicle.
-
Damages to any electronic equipment or accessories designed for the reproduction of sound, that send or receive audio, visual, or data signals unless required for the normal operation of the vehicle.
-
Loss of personal property belonging to either owner or renter. Renter is directly responsible for damaged or missing property.
-
Awning fabric (unless confirmed as not having wear or any tears prior to the rental). Awnings must be present for inspection after the booking.
-
Losses to a vehicle that is not approved for coverage, registered, and meeting Outdoorsy safety and inspection and maintenance requirements.
-
If keys were not provided to a verified driver at the start of the booking, owner coverage will be denied.
-
Interior damage is not covered under the Outdoorsy Comprehensive and Collision coverage, optional Interior damage protection coverage can be purchased by the guest for interior damage protection.
-
Our coverage does not extend to vehicles if the vehicle enters or attempts to enter Mexico.
-
Coverage may not be extended to losses resulting from vandalism or theft if a police report is not submitted. Police reports should be obtained immediately following the loss by the guest.
-
A Police report is required for any incident involving third parties.
-
Loss of use, lost revenue, business interruption, loss of personal use, and transportation costs resulting from damages are not covered by Outdoorsy.
-
Items that are not factory installed at the time of manufacturing may not be covered. Examples include add-on features such as bicycle racks, etc.
-
Damages resulting from an intentional act, or the intentional acts of others at your or the renter’s direction.
-
Damages resulting from a tire blowout where the tire is faulty, defective, older than 6 years of age, or does not meet Outdoorsy’s treadwear guidelines. Also, damages resulting from the use of improperly sized or load-rated tires, or the use of summer tires in winter conditions (i.e., snow or ice) are also not covered.
-
If the cost of replacing a tire exceeds the renter's chosen deductible we will only pay the cost of replacing the damaged tire and will not pay to replace tires in pairs or sets. We will not pay for the cost of an alignment.
-
-
Any vehicle not permitted to be licensed by federal, state, or local law.
-
Damages resulting from the use of the vehicle off-road.
-
Any bodily injury or property damage arising from damages resulting from the use of car or truck washing centers:
-
Outdoorsy is not responsible in any manner for any damage that may occur while using automated, touch-free, or self-service car washes, including but not limited to: Any damage related to pre-existing conditions (including but not limited to tears, stains, scratches, windshield cracks, dents, discoloration, or rust) or defects.
-
Damage to windshield-wiper systems, wiper blades, rear-window wipers, loose trim or exterior moldings, exterior mirrors, trailer hitch caps, truck bed covers, bug guards, sun visors, steering wheels, seats, luggage racks, bike racks, roof racks, antennas, insignias, accessories, and parts (including but not limited to wheels, rims, or spoilers), lowered or raised vehicles, low muffler systems, valve stems, magnetic signage, vinyl/graphic vehicle wraps, running boards, hood ornaments, vehicle rims or wheels, tires (including but not limited to flat tires), headlights, rear lamps, reflectors, or roof-top tents.
-
Damage caused by customers loading or driving their vehicle through the car wash tunnel.
-
Additional Terms of Service Exclusions
- Normal wear and tear to your vehicle. Wear and tear is not covered through Outdoorsy, nor is it available through the Guest’s security deposit. Normal wear and tear includes, but is not limited to:
- Dings, dents, and scratches to the exterior of the Vehicle that are 4 inches in length or diameter or less (excluding windshields);
- Weathering or deterioration to awning fabric;
- Tire sidewall cracks or deprecated tread from use over time;
- Any mechanical or suspension component unless it’s caused by an impact with an object (e.g. engines, transmissions, brakes, exhaust systems);
- Windshield cracks originating from a neglected chip that has increased in length or severity over time or after successive trips;
- Dry, cracked, brittle or loose weather stripping, roof vents, and exterior components due to weathering and age;
- Peeling or nicks to window tint.
- Awnings, Tire & Wheel, Electrical, Mechanical, and Slideout damage that is not a direct result of a collision or comprehensive claim as determined by Outdoorsy.