If you are thinking about renting out your RV or camper van, you’ll want to fully understand how insurance coverage works on any of the peer-to-peer platforms you might be considering using. What happens if your vehicle is involved in an accident? What if there is a minor fender bender?
When you rent out your camper van on GoCamp, your vehicle is covered by our custom insurance. And while insurance isn’t the most riveting of topics, it’s an important one.
Van owners usually ask us two primary questions before renting out their vans on the GoCamp website. The first is “How much money can I make?” The second is “What happens if something goes wrong? Am I covered?”
Yes, you are covered. Here we share an overview of the things you’ll want to consider regarding insurance coverage before renting out your RV or camper van on any of the various peer-to-peer rental platforms.
Insurance Overview
When you use your own RV, you’re covered by your personal insurance policy. When your RV is rented, it will be covered by the applicable coverage provided by the platform you’re using such as GoCamp, Outdoorsy, or RVshare.
Know your policy
By renting your RV you may inadvertently be violating the terms of your personal policy. Don’t do that. Check with your personal provider before renting out your RV. If you determine rentals are prohibited by your personal provider, we recommend you find one that does allow it. Protect your rig, protect yourself.
Insurance Provider Options
The list of insurance providers that allow rentals on what are otherwise personal RVs varies by state and changes frequently. As of right now, Safeco, National General, and Roamly are good options and are available almost nationwide.
Not sure what’s best? At GoCamp we work with an independent broker who can help find us other options for personal policies. If you’re feeling stuck on the subject of insurance and need a tow in the right direction, please reach out. We’d be happy to help. Just send an email to letsgo@gocamp.com.