RVnGO's insurance coverage covers the Guest and the Host up to $500,000 in Supplemental Auto Liability coverage and $200,000 in Property Damage coverage 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 and ends at the end of the rental period at Check-out. So Hosts will still need regular insurance to insure your RV when it is not being rented. The 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 type of RV, with motor homes being more expensive than trailers. Our rental coverage covers travel throughout the United States and Canada. This is a summary of the insurance coverage provided by RVnGO under the Definitive Insurance Policy (the "Policy"), and to the greatest extent reasonably possible be interpreted in a manner that is consistent with the Policy, but to the extent that this summary cannot be reasonably interpreted with the Policy, the Policy’s necessary interpretation will prevail and be paramount to the extend that this summary differs, is inconsistent or conflicts with the Policy. For more information, contact us directly at Protection@RVnGO.com.

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 through the RVnGO platform and extends to the Guest (the primary driver) and any additional drivers listed on our platform for the reservation. 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 $75 a day for the largest Class A motor homes to $25 a day for trailers. If there is a covered 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 also stated on the Check-In form.

PRE-EXISTING DAMAGE IS NOT COVERED UNDER ANY CIRCUMSTANCES, AND HOSTS MUST DOCUMENT THE STATE OF THEIR VEHICLE PRIOR TO IT DEPARTING ON EACH RENTAL TO ESTABLISH A LACK OF PRE-EXISTING DAMAGE. TO DO SO, HOSTS MUST 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) (THE “PRE-TRIP PHOTOS”).

PRE-TRIP PHOTOS MUST BE TAKEN NO EARLIER THAN 48 HOURS PRIOR TO DEPARTURE,  AND ALL PRE-TRIP PHOTOS SHOULD BE UPLOADED TO YOUR RVNGO.COM RESERVATION PAGE BY CLICKING ‘ADD IMAGE’ IN THE ‘CHECK-IN’ SECTION PRIOR TO YOUR VEHICLE LEAVING ON A RENTAL.

WHERE IT IS NOT POSSIBLE TO UPLOAD PHOTOS TO YOUR RESERVATION PAGE DUE TO TECHNICAL OR CONNECTIVITY ISSUES, YOU MUST STILL TAKE PRE-TRIP PHOTOS NO EARLIER THAN 48 HOURS PRIOR TO A GIVEN RENTAL’S DEPARTURE AND SAVE THE PHOTOGRAPHS FOR LATER REFERENCE. IT IS IMPORTANT THAT YOU RETAIN THE ORIGINAL COPIES, AND NOT SCREENSHOTS, OF ALL PRE-TRIP PHOTOS AS THEY MUST BE PRODUCED FOR LATER REFERENCE IN THE EVENT THAT A CLAIM ARISES DURING A RENTAL. CLAIMS SUBMITTED WITHOUT PRE-TRIP PHOTOS THAT MEET THE ABOVE CRITERIA MAY BE EXCLUDED FROM COVERAGE UNDER THE RULES OF YOUR POLICY.

An RV is automatically qualified for our insurance coverage. We don't have any inspection requirements, but Hosts must keep the RV in mechanically sound order so your Guests have a fabulous trip! IF YOUR VEHICLE HAS MECHANICAL ISSUES (INCL. TIRES AND WHEELS) THAT MAKE IT MECHANICALLY UNSOUND OR INOPERABLE DURING THE FIRST 24 HOURS OF THE TRIP, THE HOST ASSUMES ANY FINANCIAL RESPONSIBILITY INVOLVED IN RETURNING THE VEHICLE TO THE HOST AT THE RENTAL'S ORIGIN AND WE WILL ISSUE A FULL REFUND TO THE GUEST. If a vehicle is deemed mechanically unsound and/or inoperable during a rental, RVnGO reserves the right to make the vehicle ineligible for further rental on the platform until it is in mechanically sound and working order. 

The only requirements we have beyond the submission of pre-trip photos prior to every rental is that your RV is also insured for non-rental periods with whatever RV insurance you think is appropriate and your RV is kept in mechanically sound working order.

As part of the on-boarding and user sign up process, the user is required to upload a picture of a valid Driver's License to RVnGO (valid for driving in the United States, Canada, Western Europe, the U.K., Australia and New Zealand). RVnGO automatically confirms the validity of the Guest's driver's license. At check-in we require that Hosts confirm the drivers license for the Guest and all additional drivers on the rental (I.e. confirm that the name matches the reservation and the picture has a likeness to the person standing before you). Further, we require Hosts to take a photo with your phone of the Guest and all additional drivers’ Driver's Licenses for our insurance records in the event of a future claim.  As with Pre-Trip Photos, we ask that Hosts upload these Drivers License photo(s) to the Check-in Images section of your RVnGO.com reservation page prior to the rental departing. Where you are unable to upload Drivers License photos at the time of check-in, you must save the original copies for future reference in the event of a claim.

In addition, the following driver's are excluded from coverage (as well as using our platform and/or renting your RV through it, per our Terms of Service available here):

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.

IT IS YOUR RESPONSIBILITY AS HOST TO GATHER THE DRIVERS LICENSES OF ALL ADDITIONAL DRIVERS ON A RENTAL (I.E. DRIVERS OTHER THAN THE GUEST NAMED ON THE RESERVATION) AND UPLOAD THEM TO THE RVNGO.COM RESERVATION PAGE FOR VERIFICATION BY RVNGO PRIOR TO CHECK-IN. IT IS ALSO YOUR RESPONSIBILITY TO AGAIN VERIFY THEIR PHYSICAL LICENSES AS HIGHLIGHTED ABOVE  AND TAKE PHOTOS OF SAID LICENSE(S) PRIOR TO ANY RENTAL DEPARTING, SHOULD A CLAIM RESULT AND RVNGO REQUEST THESE RECORDS.

GUESTS SHOULD TAKE PHOTOS OF ANY DAMAGE TO THE VEHICLE PRESENT AT THE START OF THE RENTAL AND KEEP THE ORIGINAL PHOTOS AND YOU ARE REQUIRED TO UPLOAD THE PRE-EXISTING DAMAGE PHOTOS ON THE RESERVATION PAGE ON THE APP ON YOUR PHONE. FAILURE TO DOCUMENT PRE-EXISTING DAMAGE COULD RESULT IN YOU BEING CHARGED FOR DAMAGE YOU DID NOT CAUSE.

RVnGO's insurance coverage covers the Host and the Guest for Auto-Liability damage up to $500,000 caused during the rental; and up to $200,000 of the cash value (the depreciated replacement value which is defined as the amount the owner would receive selling the RV to a dealer or other buyer also sometimes referred to as the wholesale value), whichever is lower. 

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

1. Photos must be taken on or before the check-in date (i.e. date your rental departs and coverage begins), and in any event cannot be older than 48 hours before the check-in date.

2. All pre-trip photos provided to RVnGO by you must be original, unmodified photos and cannot be screenshots.

3. Hosts must write down on a piece of paper the following information, written in large, legible letters and tape or otherwise affix the sheet to the RV's exterior in each photograph: (i) the trips RVnGO Reservation Number, and (ii) the current date (i.e. the date the photo was taken) (your "Reservation Note").

Below are some steps to prepare a valid Reservation Note and properly photograph your unit using it. Assume the host in this example has a reservation with ID 17800 Departing on June 1st, 2022 and is taking photos at check in on the same day:

TO BE VALID, ALL PRE-TRIP PHOTOS MUST CONTAIN A RESERVATION NOTE WHICH IS READABLE IN THE END PHOTOGRAPH, AND ANY PRE-TRIP PHOTOS WHOSE RESERVATION NOTE CONTAINS (I) A RESERVATION ID # OTHER THAN THE ONE ON YOUR RVNGO RESERVATION PAGE, OR (II) A DATE WHICH IS MORE THAN 48 HOURS BEFORE THE DAY YOUR RENTAL BEGINS, ARE DEEMED INVALID AND MAY BE INCAPABLE OF SUPPORTING A CLAIM.

We can't be there when you as a Host check-in and check-out your RV, nor are we there when you list your RV, so for our insurance to work, we need you to do these things:

These guidelines are subject to the Policy which are paramount and if there is any discrepancy with the Policy, the Policy shall govern and be definitive. For more information please contact us at Insurance@rvnGO.com.