The best Protection Packages
Outdoorsy has partnered with the Insurance Corporation of British Columbia and Aviva to ensure the safety of our hosts and guests worldwide by some of the world’s best insurance companies. Together, we have created a Protection Package for trips ‘north of the 49th parallel’—beautiful Canada.
We get that renting out your RV can be both an exciting and scary decision — that’s why we go above and beyond to give you maximum protection when you share your RV with the world.
From our Liability policy to our Comprehensive and Collision coverage, we’ve revolutionized coverage options to keep you protected when you host with Wheelbase/Outdoorsy.
Our ‘episodic’ Protection Packages offer coverage when the host’s personal RV insurance may not apply.
Protection for Hosts and Guests
The host’s personal RV insurance policy covers the vehicle for personal use, but usually does not apply when the RV is being rented out. Hosts should be aware of their policy’s terms as insurers may deny claims—or even drop the policy entirely—if the RV is rented out.
With Outdoorsy’s Protection Packages, coverage during the rental period includes:
- Up to CAD $2M or CAD $5M in liability coverage (up to CAD $200,000 in BC)
- Up to the RV’s value in comprehensive and collision coverage
To maintain coverage eligibility, hosts should make sure that each booking has an active Protection Package, the required pre- and post-trip photos are taken, and the keys are handed off to a verified driver.
Note: We recommend taking a picture of the front & back of any verified drivers licenses as part of walkthrough/key exchange.
Note on Deductibles
For Outdoorsy.com bookings the insurance deductible is included and stated in the details of the protection package (and therefore that’s the amount you should claim from the security deposit when filing an insurance claim).
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. After filing a claim, our Outdoorsy claims representatives will work with you to collect the deductible amount.
Protection Package overview
During the booking process, guests are asked for payment information, their driver’s license, and (in some cases) additional information as part of our driver verification process. This helps to ensure that all drivers meet our eligibility and coverage requirements.
In most cases, the driver verification process is quick and easy. The Protection Package is activated when guests pass driver verification and their coverage begins the moment the keys are handed off to the guest.
| Basic | Essential | Peace of Mind | |
| Motorized: Alberta, Ontario, Quebec, and Nova Scotia |
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| Trailers: All provinces (except British Columbia—see below) |
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| Motorized and Trailers: British Columbia only |
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*Windshield Coverage covers minor chips or cracks to your windshield that are repairable at no cost to you. For example, 1-2 minor chips (not in the field of vision) caused by a collision or comprehensive event are covered with no deductible with the purchase of our protection packages. Any damage that requires a replacement of the windshield, as opposed to a repair, would be subject to a deductible.
How the Protection Packages work
Coverage is only active for the duration of the guest’s trip—as booked on your Wheelbase dashboard.
Coverage begins at the time of the key exchange (at the start of the trip) and ends when the vehicle is returned and the keys are handed back to the host at the end of the trip.
Please note that any motorized vehicle or trailer with a ‘salvage’ or ‘rebuilt’ title will not qualify for coverage. If the vehicle does not qualify for coverage, hosts can ask their guests to get an insurance binder for Liability coverage from a third-party insurance company.
The Protection Packages will cover vehicles traveling to and from the United States or Canada; however, guests should consult with their host before taking the vehicle across the border. Hosts will always have the final say on whether or not this is allowed. Coverage is void for the entire booking period if the vehicle enters or attempts to enter Mexico.
For guests, our coverage works on an excess (or secondary) basis. In case of damage, the guest's primary insurance (personal or commercial) will apply first, and our Outdoorsy/Wheelbase Protection Package will serve as secondary or excess coverage. If there is no other policy providing coverage, our policy will become primary.
Insuring agreements
Covered damages
Outdoorsy will pay for sudden, direct, and accidental loss to the listed vehicle for damages covered under our Comprehensive and Collision policy. Payments will be issued to the legal owner of the listed vehicle unless otherwise specified by the legal owner.
Our Collision coverage applies when the covered vehicle sustains damages as the result of a collision—an impact with an object or another vehicle—or the ‘upset’ of the vehicle—e.g. roll an RV on its side.
Comprehensive (sometimes called ‘other than collision’) coverage applies to the following: falling objects, fire, theft or larceny, explosion or earthquake, windstorm, hail, water or flood, malicious mischief or vandalism, contact with bird or animal, or broken glass.
All covered damages are subject to investigation and determination by our claims team.
For province specific policy coverages, exclusion, details or questions please contact claims@outdoorsy.com
How do I file a claim?
The road is a wonderful place to be, but every once in a while there are bumps along the way. As hard as we fight against it, there’s always a small chance that the RV will get damaged during a trip. If this happens to you, our dedicated claims team will be here to help you get the damage covered and your RV back on the road in a flash.
How do I start a claim?
- Log into your Wheelbase account
- Visit the “Reservation” page
- Select the File an Insurance Claim button ( only visible if the rental has been departed)
- Fill out the form and submit it
- A member of our claims team will reach out to you with next steps
Important: Claims will allow filing up to 14 days of return, however damage photos submitted must be taken within 48 hours following the end of the booking.
What documents do I need to file a claim?
For your claim to be complete, we may require the following be submitted:
- Pre-Trip photos taken within 48 hours of the trip
- Your most recent 90-day inspection form
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Completed and signed return/departure forms for your RV type
- Our suggested forms are below (or you can choose to use your own)
- Drivable RV Departure form
- Drivable RV Return form
- Towable RV Departure form
- Towable RV Return form
- Our suggested forms are below (or you can choose to use your own)
- Copy (front and back) of your guests' driver's licenses (only for BC registered rentals)
Once your claim has been received, our dedicated team will review your booking details and send you further information regarding the next steps.
Contact information:
Claims Reporting
- Call us at 1-855-441-2006
- Email us at claims@outdoorsy.com