Exclusions

Protection Packages will cover Comprehensive and Collision damages to the vehicle caused by a covered event; however, as with any insurance policy, there are necessary exclusions to what is considered a ‘covered event’. Outdoorsy Insurance Group does not cover the following:

1. Losses caused by mechanical or electrical breakdown or failure, normal wear and tear*, lack of maintenance, or damages incurred over time are not covered. Even if damage would otherwise be considered in a covered incident, it will still be denied if the ‘incident’ was found to be caused by failure or breakdown. For instance, if the investigation shows that a fire was caused by a mechanical failure, the fire damage is not covered.
2. *Normal wear and tear is not covered; wear and tear includes:
   • Dings, dents, and scratches to the exterior of the vehicle that are four inches or less in length or diameter (excludes windshields).
   • Weathering or deterioration of awning fabric.
   • Tire sidewall cracks or deprecated tread from use over time.
   • Any mechanical or suspension component—e.g. engines, transmissions, brakes, exhaust systems, etc.—unless the damage is caused by a collision.
   • Windshield cracks that came from a neglected chip that increased in length or severity over time or after successive trips.
   • Dry, cracked, brittle, or loose weather stripping, roof vents, and/or exterior components that is due to weathering and age.
   • Peeling or nicks to window tint.
3. Damages caused by the manufacturer or previous repair defects.
4. Any part or equipment that is damaged as a direct result of freezing, winterization, or lack of mitigation.
5. Damages caused by war, riot, terror, political unrest, biological/chemical, nuclear, or radioactive contamination.
6. Damage to any electronic equipment or accessories—sound, visual, data signals, etc.—unless they are required for the normal operation of the vehicle.
7. Loss or damage to any personal property belonging to either the host or guest. However, guests are responsible for the host’s property that has been lost or damaged during the trip.
8. Damage caused by operating at excessive speeds or while participating in any form of racing.
9. Damages caused by the off-road use of the vehicle or any activity other than the vehicle’s designed or intended purpose.
10. Damages caused by a guest’s negligence and / or a guest’s misuses a vehicle
11. Damage caused by pets or livestock owned by the guest (or members of their party). That includes pets or livestock that are allowed to enter the vehicle intentionally or as a result of the guest’s negligence.
12. Guests will be denied coverage if the vehicle is found to have been operated by an unverified driver at the time of a loss. In addition, if keys are not handed off to a verified driver at the start of the trip, the host’s coverage will be denied.
13. Damage to the vehicle’s interior is not covered under Outdoorsy Insurance Group; guests can purchase optional Damage Protection for interior damage coverage.
14. Our Protection Package coverage will be voided for rentals entering or attempting to enter Mexico.
15. Coverage will not be extended to losses caused by vandalism or theft unless a police report is submitted with the claim. A police report must be filed immediately (within 48 hours) following the loss.
16. A police report is required for any incident involving third parties.
17. Loss of use, loss of personal use, alternative accommodation, and/or transportation costs accrued because of an incident are not covered by Outdoorsy Insurance Group.
18. Items that are not factory installed (at the time of manufacturing) may not be covered—e.g. add-on features such as bicycle racks, portable generators, etc.
19. Damages caused by an intentional act, or the intentional act(s) of others at your, or the host’s, direction.
20. Any damage that occurs while in violation of local, state, and federal law—including DUIs and reckless driving.
21. Any damage incurred while operating the vehicle under the influence of alcohol, drugs, other substances, or medications (even with a prescription) that may impair your judgment.
22. Guests may not move the vehicle under a Stationary Protection Package. In fact, coverage will be voided if the guest moves the vehicle at any time during a Stationary booking.