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Wheelbase Protection Packages

  • Updated

Introduction

You have the ability to offer four levels of protection coverage* (US rentals) to your direct guests through Wheelbase. Leads coming from Outdoorsy.com will be covered through the Outdoorsy.com packages

 

Our coverage works on an excess basis. In cases of damage, the guest's primary insurance (personal or commercial) will apply first, and our Wheelbase Protection Package will serve as excess coverage. If a denial is presented from the guests coverage - or if the guest does not have a policy in place - then the Wheelbase Protection Package will move to first position.

 

With above being the case, please ensure you are taking a photo of guest insurance cards as part of key exchange as that is one of the requirements when a claim is filed.

 

Protection package options

 

Basic

 

Essential

  • Liability Coverage: State Minimum

  • Comprehensive & Collision Protection: Up to 300K

  • Windshield Repair Coverage

  • Roadside Assistance

 

Peace of Mind

  • Liability Coverage: Up to $500K
  • Comprehensive & Collision Protection: Up to 300K

 

Stationary

*Liability coverage of up to $1M for hosts (applicable to all protection packages)

Note: You have the option to offer Roadside Assistance for your 'direct' guests who choose either the 'basic' or 'stationary' insurance protection package via premium services page on your dashboard.

 

Note on Deductibles

For Outdoorsy.com bookings the insurance deductible is stated in the details of the protection package (click here for more details). Your Outdoorsy Claims Representative may assist in collecting this balance and will advise of any action needed on your part to finalize settlement.

For direct bookings your deductible is going to be 2% of the stated replacement value; with a minimum of $500 and maximum of $1,500. This is taken from your claim payout and your responsibility as an owner to collect it.

 

Wheelbase protection package pricing

You can see the cost of the Wheelbase package by going to your Premium Service tab and clicking on the link that says "View Wheelbase package pricing". These prices are the ones that guests will see when they book a rental with you online through the Wheelbase check out. 

Please keep in mind that if you have listings for vehicles that are larger than usual, there will be a separate pricing rule called Long Vehicle Pricing. This pricing rule is not shown in the "View Wheelbase package pricing" section. However, when guests book online, they will see the correct price that includes the additional charge.

For vehicles that are 30 feet or longer, there will be an extra 15% charge on top of the regular price, with a minimum charge of $5. If the vehicle is 36 feet or longer, the additional charge will be 30% with a minimum charge of $10.

    • Additional 15% charge for Vehicles >= 30ft (minimum of $5)

    • Additional 30% for Vehicles >= 36ft (minimum of $10)

 

Option to adjust 'Wheelbase protection package pricing'

 

You as a host have the option to decide how much you or your renters pay for insurance (you can have the renters pay the full daily cost; you can split it 50-50; or any combination that works best for you).When looking at your Premium Service tab, if you have it set to 0% markup under Optional Premiums, that means the whole cost of the insurance package is paid by the guest. If you have negative (-%) percentage in the Optional Premiums field, that discounts the cost of the package to the guest, and you are paying that difference. 

 

Why is there a protection package pricing difference between Outdoorsy guest bookings vs direct guest bookings?

Just like in traditional insurance, our Protection Package prices are set based on a number of different variable factors and are subject to change over time. Some of the basic considerations for both Outdoorsy guests and Wheelbase direct guests include class and type of vehicle, length of vehicle, and value of the vehicle. These are however two distinctly different product offerings with different risk profiles and differences in the coverages offered. The Marketplace prices can vary week over week due to any number of factors including testing, or sometimes certain risks and costs may be spread across the marketplace. For Wheelbase direct guests there are set rates and consistent coverages that may instead vary by dealer or by vehicle based on a risk profile or if a dealer has added an additional premium to their pricing.

 

 

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