RVnGO Protection Plan Terms - Guests

RVnGO Protection Plan Terms - Guests

What Guests Need to Know

Overview

RVnGO's insurance coverage covers the Guest and the Host up to $1 million for liability and up to $200,000 in Property Damage for exterior damage to the rented RV (which includes interior damage only where it is the result of an accident where insurable exterior damage occurs). The RVnGO coverage only applies to the rental period. The coverage starts the moment the reservation starts at Check-In and ends at the end of the rental period at Check-Out. Coverage extends to you and any listed additional drivers, provided they Qualify under the criteria below. Only those rental transactions processed, checked-in and checked-out on the RVnGO platform will be covered by our insurance coverage. It covers the driver (the Guest) and any additional drivers listed on the RVnGO platform (provided they meet the criteria under ‘Qualifying the Driver’ below) for up to $1 million in liability and for exterior damage to the RV for up to $200,000 or the depreciated cash value of the RV. Guest will be charged a nightly premium that will be added to the reservation transaction. The nightly premium is very affordable and based on the year and type of RV, with motor homes being more expensive than trailers.

Our rental coverage covers travel throughout the United States and Canada, for drivers with a valid U.S. or Canadian Drivers License or an International Drivers License from one the following countries:
  1. Western Europe - I.e. Austria, Belgium, France, Germany, Liechtenstein, Luxembourg, Monaco, Netherlands and Switzerland
  2. United Kingdom - I.e. England, Scotland, Wales and Northern Ireland.
  3. Australia
  4. New Zealand
For more information on the eligibility of drivers with an International Drivers License, please email us directly at Insurance@rvngo.com

Premiums and Deductibles

Our insurance covers travel throughout the United States (including New York) and Canada. Travel to Mexico is prohibited and will void the insurance coverage we provide. The coverage only applies to transactions booked AND CHECKED-IN through the RVnGO platform and extends to the Guest (the primary driver) and any additional drivers listed on our platform for the reservation, provided such drivers meet the eligibility criteria under ‘Qualifying the Driver’ below. The Guest pays the nightly premium that will automatically be added to the reservation amount and it depends on the type of RV you have, ranging from $70 a day for the largest Class A motor homes to $25 a day for trailers. If there is a loss, the Guest pays the deductible for the loss, which ranges from $3,500 for Class A motor homes to $1,500 for trailers, and is stated on the Check In form.

Pre-Existing Damage and Pre-Trip Photos

YOU ARE RESPONSIBLE FOR THE DEDUCTIBLE IF THERE IS A LOSS SO MAKE SURE YOU DOCUMENT ANY PRE-EXISTING DAMAGE AT CHECK-IN SO YOU DON'T GET STUCK WITH THE BILL. PRE-EXISTING DAMAGE CAN BE DOCUMENTED BY TAKING PHOTOS OF THE DAMAGE AT CHECK-IN AND UPLOADING THE PHOTOS TO YOUR RVNGO.COM RESERVATION PAGE, UNDER THE ‘CHECK-IN IMAGES’ SECTION.

YOU SHOULD TAKE PHOTOS OF ALL FOUR SIDES OF THE VEHICLES EXTERIOR, ALL BUMPERS, THE UNDERCARRIAGE AND THE ROOF (INCLUDING PHOTOS SHOWING THE OUTER SURFACE OF THE ROOF AND ANY ACCESSORIES PROTRUDING FROM THE ROOF). IF YOU ARE UNABLE TO UPLOAD PHOTOS TO THE RESERVATION PAGE DURING CHECK-IN, WE RECOMMEND YOU KEEP THEM SAVED FOR FUTURE REFERENCE IN THE EVENT YOUR HOST MAKES A CLAIM FOR DAMAGE UPON YOUR RETURN OF THEIR RV.

For more information on where/how to upload photos and videos and for guidance on completing the check-in form, please read further on How to Check-In, including uploading photos of any pre-existing damage.

Qualifying the Driver

As part of the on-boarding and user sign up process, you as the Guest on the rental are required to upload a picture of a valid Driver's License for yourself and each additional driver on the reservation to your RVnGO.com Reservation page. To be deemed valid, a drivers license must meet all the following requirements:
  1. Must match the name and likeness of yourself or an additional driver, if listed on the reservation
  2. Must not be expired as of the date your rental departs
  3. Must be a full drivers license and not a learners or restricted license
  4. Drivers must be between the ages of 25 and 70 years old, as of the date your rental departs
  5. Must be issued in one of the following geographies:
    1. United States
    2. Canada
    3. Western Europe – i.e. Austria, Belgium, France, Germany, Liechtenstein, Luxembourg, Monaco, Netherlands and Switzerland
    4. United Kingdom - i.e. England, Scotland, Wales and Northern Ireland.
    5. Australia
    6. New Zealand
RVnGO automatically confirms the validity of the Guest's driver's license. At check-in we require that the Host confirms the Drivers Licenses of the Guest and all additional drivers on the reservation by confirming that the name matches the Guest name on the reservation and the picture has a likeness to the person standing before them (together with the same for each additional driver).  Additionally, we require that Hosts take photos of the Drivers License(s) for the Guest and each additional Driver and retain them for our insurance records.

In addition to the above requirements, the following drivers are excluded from coverage by us (and from renting an RV through our platform, per our Terms of Service available here):
  1. Drivers who in last three years (prior to rental date) have been convicted of a driving while intoxicated (DWI) violation or a driving under the influence (DWI) violation.
  2. Drivers who in the last three years (prior to rental date) have been guilty of more than one of the following:
    1. Manslaughter or negligent homicide,
    2. Felony involving a motor vehicle,
    3. Racing or engaged in a speed contest,
    4. Hit and run,
    5. Reckless driving,
    6. License suspended for points,
    7. Driving while license suspended,
    8. Fleeing or eluding arrest,
    9. Having multiple driver's licenses that have not been uploaded and disclosed to RVnGO, or
    10. Being at fault for an accident.
DRIVERS WHO DO NOT HOLD A VALID LICENSE ISSUED IN CANADA, THE U.S., WESTERN EUROPE, THE U.K., AUSTRALIA OR NEW ZEALAND MAY NOT BE ELIGIBLE FOR COVERAGE AND MAY THUS BE HELD 100% LIABLE FOR ANY DAMAGE TO THE VEHICLE.

DRIVERS WHO DO NOT HOLD A VALID LICENSE FROM THESE PERMITTED GEOGRAPHIES MUST EMAIL SUPPORT@RVNGO.COM (WITH INSURANCE@RVNGO.COM CC’D) REQUESTING PERMISSION TO ACT AS A DRIVER ON ANY RENTAL PRIOR TO ITS DEPARTURE, AND MUST RECEIVE WRITTEN AUTHORIZATION FROM RVNGO PRIOR TO THE RENTAL TO BE FULLY COVERED OR PERMITTED AS A DRIVER.

Limitations on Coverage

RVnGO's insurance coverage covers you as the Host and the Guest up to $1 million for liability in the event of an accident, and for exterior damages caused to your RV during the rental up to $200,000 or the cash value (the depreciated replacement value), whichever is lower.


THE FOLLOWING DAMAGES TO THE RECREATIONAL VEHICLE ARE NOT COVERED OR ARE EXCLUDED:

  • Pre-existing damage – so make sure you document any pre-existing damage by submitting photographs of all four sides of the vehicle, all bumpers, its undercarriage and the roof (including photos showing the outer surface of the roof and any fixtures protruding from the roof such as an air conditioner) prior to leaving on your trip. Photos of all these exterior areas should be taken regardless of if pre-existing damage is present. For any areas where pre-existing damage does exist, it is very important that you document the damage by filling in the ‘Check-in List’ in the Check-In section of your RVnGO.com Reservation page and photograph the damage thoroughly. Photographs can be uploaded to the ‘Check-In Images’ section of your RVnGO.com Reservation page, or where you are unable to upload photos due to network connectivity or technical issues you should save those photos for future reference in the event your Host submits a claim for damages at the conclusion of your rental. For more information on How to Check In, including photos of any pre-existing damage, please see here.  BECAUSE YOU MAY BE RESPONSIBLE FOR PAYING THE DEDUCTIBLE ON ANY INSURABLE DAMAGE YOUR HOST CLAIMS TO HAVE OCCURRED DURING YOUR RENTAL, YOUR COMPLETED CHECK-IN LIST AND PRODUCTION OF THESE PRE-EXISTING DAMAGE PHOTOS WILL BE USED TO EVALUATE ANY DAMAGES CLAIMED BY A HOST UPON THE END OF YOUR RENTAL.
    • NOTE: photos of any pre-existing damage must be taken on or before the check-in date, and in any event cannot be older than 48 hours before the check-in date. Photos taken after check-in are not admissible as pre-existing damage photos. Photos must be original, untampered photos and cannot be screenshots.
  • Normal Wear and Tear, freezing, mechanical or electrical breakdown,
  • Any water or mold damage,
  • Any interior damages not caused by a covered accident (i.e. one occurring to the vehicles exterior) or an insurable risk like fire,
  • Flat Tires unless they are damaged in a covered accident or are stolen,
  • Chipped or cracked Windshields, unless they are damaged in a covered accident,
  • Wearing apparel, personal effects or other personal property carried in the RV,
  • Damage from nuclear radiation or contamination,
  • Any cleaning costs before or after a rental unless these costs arise from an insured peril (accident, theft fire for instance),
  • Any downtime, loss of use or any other business related loss or expense,
  • Intentional Damage or Vandalism (see proceeding section)
  • Reckless use (see proceeding section)
  • Other limitations may apply, see the Policy for a definitive list.

Reckless Use Policy

RECKLESS USE (BACKING UP, PARKING OR DRIVING UNDER AN AWNING, TREE BRANCH, SIGN OR OVERHEAD STRUCTURE WITHOUT A SPOTTER) AND INTENTIONAL DAMAGE ARE NOT COVERED
  • ANY INTENTIONAL DAMAGE IS NOT COVERED, YOU ARE 100% LIABLE FOR ANY INTENTIONAL DAMAGE OR VANDALISM YOU CAUSED TO THE RECREATIONAL VEHICLE.
  • IN INSTANCES WHERE RECKLESS USE OF A VEHICLE HAS OCCURRED, THE DEDUCTIBLE FOR ALL VEHICLES IS INCREASED TO $20,000, AND RVnGO MAY DECLINE THE AVAILABILITY OF THIS HIGHER DEDUCTIBLE IN SUCH AN EVENT AND HOLD YOU 100% RESPONSIBLE FOR ANY DAMAGES INCURRED THROUGH RECKLESS USE
  • RECKLESS USE INCLUDES THE FOLLOWING:
    • BACKING UP OR PARKING WITHOUT A SPOTTER IS RECKLESS USE OF THE RECREATIONAL VEHICLE.
      • ANY TIME A DRIVER BACKS UP OR PARKS THE VEHICLE, THEY MUST USE A SPOTTER TO WARN THEM OF ANY OBSTACLES BEHIND OR AROUND THE VEHICLE.
      • ALL SPOTTERS MUST RECORD VIDEO OF THE VEHICLE BACKING UP OR PARKING EVERY TIME THEY ARE SPOTTING, AS VIDEO EVIDENCE IS REQUIRED TO ESTABLISH THE PRESENCE OF A SPOTTER WHEN BACKING UP A VEHICLE
        • DAMAGES OCCURRING FROM BACKING UP OR PARKING WITHOUT VIDEO EVIDENCE FROM A SPOTTER MAY BE CONSIDERED RECKLESS USE
      • IF NEITHER THE DRIVER OR ANY GUEST ON THE TRIP OWNS A SMARTPHONE OR DEVICE CAPABLE OF RECORDING VIDEO, THEY MUST EMAIL SUPPORT@RVNGO.COM (WITH INSURANCE@RVNGO.COM CC’D) PRIOR TO DEPARTING ON THEIR TRIP SO THAT ACCOMODATIONS CAN BE MADE
    • DRIVING INTO OR THROUGH A STRUCTURE WHOSE HEIGHT IS BELOW THE RECREATIONAL VEHICLES TOTAL HEIGHT (HEIGHT FROM THE ROAD TO THE ROOF + ANY PERIPHERALS PROTRUDING FROM THE ROOF SUCH AS AN AIR CONDITIONING UNIT) IS CONSIDERED RECKLESS USE.
      • DRIVERS SHOULD AT ALL TIMES BE AWARE OF THEIR VEHICLES HEIGHT, INCLUDING ANY FIXTURES PROTRUDING ABOVE THE EDGE OF THE ROOF (SUCH AS AIR CONDITIONERS)
      • ANY DAMAGE TO THE ROOF INCURRED BY DRIVING INTO A STRUCTURE THAT IS LOWER THAN THIS HEIGHT, SUCH AS A TUNNEL, A SIGN, A GAS STATION AWNING OR A TREE LIMB IS CONSIDERED RECKLESS USE.
      • WHEN REFUELLING THE RECREATIONAL VEHICLE, DRIVERS SHOULD USE A SPOTTER WHO RECORDS VIDEO OF THE VEHICLE DRIVING INTO AND OUT OF THE GAS STATION, AS SUCH RECORDINGS MAY BE NECESSARY TO OFFSET THE ASSUMPTION OF RECKLESS USE
    • LEAVING A CANOPY/AWNING OPEN DURING WINDY WEATHER AND DRIVING WITH THE CANOPY/AWNING STILL OPEN

Prohibited Uses and Actions

The following uses of the rented recreational vehicle are prohibited and you, the Guest, will be 100% responsible for any damages caused by prohibited usage by you or your additional drivers, and/or subject to prosecution and criminal sanction.
  • Travel outside of the United States or Canada,
  • Travel to Mexico,
  • Obtaining insurance from RVnGO through false pretenses, including without limit not answering honestly our driver qualification questions or using a false or altered drivers license,
  • Storm chasing or observing natural weather phenomena, or otherwise intentionally going into a dangerous area or natural disaster,
  • Used in a race or speed contest,
  • Used for livery purposes to carry passengers for consideration (for pay or hire),
  • Used for musical band touring,
  • Used in connection with any illicit trade or transportation,
  • Used for the transport of goods or cargo for consideration (for pay or hire),
  • Voluntarily parting with title or possession improperly, whether or not induced to do so by any fraudulent scheme, trick, device or false pretense, 
  • The wrongful conversion, embezzlement or secretion by an instrument, whether written or verbal, or
  • Backing up, parking or pulling into, through, under and out of structures with overhead awnings or signs, gas stations, camping spots and other areas with overhanging trees or branches without a Spotter who video records the vehicle doing so to establish the Spotter’s presence – this is deemed reckless use.

Guest Obligations:

We can't be there when you check-in and check-out your RV, so for our insurance to work there are a few things we need you to do and understand – your cooperation is greatly appreciated. Firstly, by renting an RV through RVnGO you are subject to these terms of coverage, which make you as the Guest responsible for paying the deductible in the event of any damage incurred during your rental period whether it was you or one of your additional drivers driving the vehicle at the time.  In certain circumstances, you will be responsible for paying the full extent of all damages (typically reckless or intentional or illegal acts, as described above). You are also responsible for being honest with us and providing us with a true copy of your driver's license (and the same for all additional drivers on your rental) and in declaring your past driving offences honestly, all of which are required to qualify for our coverage.

With that in mind, please be sure to do the following:
  • USE A SPOTTER WHEN PARKING, BACKING UP, DRIVING INTO, THROUGH, UNDER AND OUT OF STRUCTURES WITH OVERHEAD AWNINGS OR SIGNS, GAS STATIONS, CAMPING SPOTS AND OTHER AREAS WITH OVERHANGING TREES OR BRANCHES.
    • Doing so without a spotter is considered reckless driving and your deductible will be increased to $20,000. Where reckless driving has occurred, RVnGO may also elect to waive this increased deductible and hold you, the Guest, 100% liable for the damages caused.
  • Ensure your spotter video records all instances of any above activity which may be considered reckless use in the Spotter’s absence.
  • Inspect all four sides of the vehicles exterior, all bumpers, its undercarriage and the roof (and any fixtures protruding from the roof such as an air conditioner) for any pre-existing damage. Where pre-existing damage is present, you should document such damage by filling in a description of it in the ‘Check-in List’, found in the Check-In section of your RVnGO.com Reservation page. For more information on How to Check In, including photos of any pre-existing damage, please see here.
  • Where pre-existing damage to your rental vehicle’s exterior exists at the time of Check-in, photograph the damage thoroughly and upload the photographs to the ‘Check-In Images’ section of your RVnGO.com Reservation page. Where you are unable to upload photos due to network connectivity or technical issues you should save those photos for future reference in the event your Host submits a claim for damages at the conclusion of your rental.
    • NOTE: photos of any pre-existing damage must be taken on or before the check-in date, and in any event cannot be older than 48 hours before the check-in date. Photos taken after check-in are not admissible as pre-existing damage photos. PHOTOS MUST BE ORIGINAL, UNTAMPERED PHOTOS AND CANNOT BE SCREENSHOTS.
  • Inspect the vehicle’s interior for any pre-existing damage to the interior – including blinds, furniture, fixings and appliances – and document and photograph this damage in the same fashion as any pre-existing exterior damage as above. While your RVnGO coverage does not extend to interior damage incurred during the rental (unless it is the result of an insurable accident where it is caused by exterior damage or an insurable risk like fire), your Host may charge a ‘Security Deposit’ on their RV which is separate from your insurance deductible but may be withheld by the Host in the event interior damage is claimed to have occurred during your rental.
    • While RVnGO may assist you by mediating between Guest and Host in instances where the Guest feels their security deposit has been wrongfully withheld by the Host, RVnGO is under no obligation to compensate either party for any Security Deposit amount disputed - the Security Deposit is an agreement between Guest and Host exclusively.
  • On check-in you go through the check-in process online, INSURANCE WILL ONLY ATTACH AND BE IN EFFECT ONCE THE VEHICLE IS CHECKED IN AND REQUIRED FIELDS ARE COMPLETED.
  • On check-out, list and document (upload photos) of any new damage caused during the rental,
  • IF YOU HAVE A CLAIM, MAKE THAT CLAIM PROMPTLY FOLLOWING THE INSTRUCTION AND FORMS ON THE CHECK-OUT FORM, AND DO SO WITHIN THREE (3) BUSINESS DAYS OF RETURNING THE VEHICLE.
    • CLAIMS SUBMITTED MORE THAN THREE (3) BUSINESS DAYS AFTER THE END OF A RESERVATION MAY NOT BE ELIGIBLE FOR COVERAGE AND RVNGO RESERVES THE RIGHT TO REJECT ANY PROPERTY DAMAGE CLAIM MADE OUTSIDE OF THIS WINDOW.
  • You protect the salvage value or otherwise mitigate damage.
  • If we pay out a claim to you, you assign your interest in the claim and subrogate to RVnGO and our agents so that we may pursue indemnification.
These guidelines are subject to the insurance policies which are paramount and if there is any discrepancy with the Policies, the Policies shall govern and be definitive. For more information please contact us at Insurance@rvnGO.com.

Cooperation with RVnGO in case of Claim

If you are a Guest, you understand that RVnGO on it's own behalf or as agent for it's insurance carriers and or the Host and/or it's insurance carriers, or the Host and/or their insurance carriers may wish to make a claim under your automotive, homeowner's, renter's or other insurance policy related to any damage or loss that you may have caused or been responsible for or to an RV or any personal or other property. You agree to cooperate with and assist such party in good faith, and to provide RVnGO with such information as may be reasonably requested by such party, in order to make a claim under your automotive, homeowner's, renter's or other insurance policy, including, but not limited to, executing documents and taking such further acts as such party may reasonably request to assist in accomplishing the foregoing.