Multiple Options

Different options and add-ons catering to each renters specific needs and desired coverages

Backed by renter's personal insurance

Renters can feel at ease knowing they will work with their personal insurance agent first when it comes to claims

Trip insurance option

Even the best-planned trips can be impacted by an unexpected event or unplanned interruption, illness, road closures, traffic accidents, medical emergency, adverse weather, natural disasters, or more. Trip insurance allows your renter to recoup the investment they made in their trip

Dave’s RVs Insurance Options

OPTION 1: Outdoorsy Insurance (quote default is “Basic” coverage)

NOTE: Outdoorsy is the ONLY Insurance Option available if you book the RV via Outdoorsy.com instead of DavesRVs.com.  
Outdoorsy requires that all drivers must be pre-Verified.  Click on the “View Booking Details” link in the quote email.  Then click “Add Driver” near the top of the page and enter your First and Last Name (as shown on Drivers license), and Driver’s  Email address.  They will be sent an email with a link to enter further info such as date of birth and Address. Do this for each potential driver.

There are 3 Outdoorsy insurance options:

  • “Basic” (default & least expensive)
  • “Essential”
  • “Peace of Mind” (most expensive)

NOTE: Outdoorsy Insurance options are “excess offerings”, and only provide coverage for damage above and beyond the Verified Driver’s underlying limit of primary insurance. In case of damage above the deductible, renter must first file a claim with their personal auto insurance to see what’s covered.

Click on the following links for more information:

  • https://www.outdoorsy.com/help/physical-damage-coverage-for-outdoorsy-renters-us-rentals
  • https://www.outdoorsy.com/help/outdoorsy-terms-of-service

OPTION 2: Renter’s Personal Auto Insurance Policy

To save on the cost of Outdoorsy’s Insurance, Dave’s RVs recommends eliminating Outdoorsy’s Insurance and Roadside assistance charges.  This can only be done if your agent can provide proof in advance that the renter’s personal auto insurance covers PLPD, Collision, comprehensive, and Roadside Assistance for a rented motorhome or trailer.

Check first with your agent. If they indicate “yes”, notify us (reply to the quote email) so we can remove the Outdoorsy Insurance from your quote.  We will send you a form to forward to your agent to obtain proof of insurance directly from them.

NOTE: Both Options 1 and 2 require the renter to first file a claim with their personal auto insurance in case of damage, but Option 2 eliminates the upfront Outdoorsy insurance charges.

OPTION 3: MBA Motorhome Insurance (less expensive 3rd party coverage)

If your auto insurance agent does not cover you for renting an RV, you can purchase insurance directly from MBA, the same company that insures Dave’s RVs fleet when not rented.  
NOTE: you can only sign up for this insurance when your departure date is less than 4 weeks away, but must be completed and paid for at least 48 hours prior to departure.

To sign up:

  1. Visit www.mbainsurance.net/choice/
  2. Enter Dave’s RVs MBA policy number (Contact us for this number)
  3. Enter your rental dates, must match the dates in your booking. (If your dates change, this process must be updated with MBA to insure coverage!)
  4. Enter the last 6 digits of the Rental RV VIN# (shown in your quote or call to confirm)
  5. We recommend selecting the optional “Supplemental Liability Insurance” to increase liability coverage to $1M.
    We require the “Roadside Assistance” option for trips farther than 60 miles from Grand Rapids.
  6. Pay with credit card
  7. Send proof of coverage to Dave’s RVs (reply to quote email) so we can remove the Outdoorsy Insurance from your bill.

Outdoorsy Road Side Assistance

You can opt-in to a roadside assistance option offered through Coach-Net.  As part of the program, you’ll be able to make calls into a 24/7 RV Technical Support Hotline to answer questions like “I’m only getting cold water in my shower, how do I fix it?”.

View Policy PDF

Other common problem areas: 

  • How to get retracting slide rooms to work
  • How to use leveling jacks
  • How to connect power supply
  • How to operate your RV appliances
  • Help finding a service facility

Trip insurance

CSA Trip insurance allows renters to recoup the investment they made in their trip if they meet the terms and conditions outlined in the plan.  Click on each of the accordion options below to view specific information.

View policy pdf

CSA Trip Insurance is available in the US only, and not available for renters whose home state is NY or HI, or non-US renters.

Say it’s the day before the big RV trip and their daughter comes down with a nasty case of stomach flu. They had booked a non-refundable trip, and now they’re out hundreds – or even thousands – of dollars. Or are they?

By selecting our trip insurance, the renters could be reimbursed 100% of the prepaid RV rental booking cost in the event they had to cancel due to a covered event, rather than $0 as they would if they’d selected a vehicle with a strict cancellation policy. 

Some trip insurance coverages include: Trip Cancellation, Trip Interruption and Emergency Assistance and Transportation

Some covered events that apply to Trip Cancellation and Trip Interruption (please note that terms and conditions apply): 

  • Traffic accident en route to pick up the RV
  • Onset of pre-existing medical conditions while on the trip (if certain requirements are met at the time of purchase)
  • Sickness, accidental injury, or loss of life of renter or a travel companion while on the trip
  • Mandatory evacuations, road closures, or inability to access destination due to adverse weather

Much like stumbling upon a bear in the wild, you never know when a medical emergency will present itself. Covered expenses include:

  • Emergency transportation to the nearest suitable medical facility
  • Help to return home, if medically necessary
  • Expenses for one person of the renter’s choice to visit them if they are traveling alone and hospitalized for more than 7 days 
  • Injury that first occurs during their trip

File a claim by visiting www.csaclaims.com or calling 866-409-7435. Once you’ve completed your claim form and gathered supporting documentation, send your claim to Generali via email at claims@generalitravelinsurance.com 

What’s not covered by insurance

Insurance doesn’t cover any damage that isn’t the result of a collision.  For example, interior damage and losses caused by mechanical failures due to a lack of maintenance are not covered (e.g. scuffs, broken cabinets, cleaning, etc). These are covered by the security/damage deposit. All renters agree to a security deposit set by the owner that accounts for any minor damage to the interior of the RV or overages.

All RVs will experience wear and tear over normal continued use and insurance does not cover any damages resulting from normal wear and tear per the guidelines below, but not limited to:

This includes all major panels and front/rear bumpers, minor dents (a depression or contouring on a single panel two inches or less in diameter) and minor scratches (less than three linear inches in length).

RV’s NOT parked in covered / garaged areas tend to experience more visible wear.

Tread: Tires must maintain a tread of 50% or more at the start of each rental. Any tires that blow-out without impact from an object are subject to inspection.

Rim: An abrasion of three inches or less in length along the arc-length or face of the rim.

Interior trim, carpet, upholstery and controls.

We do not cover any interior damage ‍that happens during a rental. If we feel that damage occurred to the interior during an active rental, this can be deducted from the security deposit once we provide documentation to the renter for the additional charges.

If the damage exceeds the security deposit or it has been used for other costs (i.e. other damage), a third-party arbitrator will work with the owner and renter to reimburse for the additional costs.  As a precaution, there is an option for a renter to add Interior Damage Protection for a reservation through Premium Services.

Windshields and windows will sustain wear over time with routine use. Existing issues such as cracks or bullseyes may show accelerated wear if neglected.  Renters should indicate any and all issues during the Departure Check-out to be held not liable for excess damage.

Not covered:

  • 1 or 2 minor chips (not in field of vision)
  • Cracks originating from a neglected chip that has increased in length or severity over time or after successive trips
  • Dry, cracked, brittle or loose weather stripping around windshield/windows due to aging
  • Peeling or nicks to window tint

We do not cover any items that are not factory installed on the RV at the time of manufacturing.

Awnings are subject to full replacement value if damaged and is the sole liability of the renter.

Per the Fair Claims Settlement Practices Regulations

(i) When the amount claimed is adjusted because of betterment or depreciation, all justification shall be contained in the claim file. Any adjustments shall be discernible, measurable, itemized, and specified as to dollar amount, and shall accurately reflect the value of the betterment or depreciation. This subsection shall not preclude deduction for prior and/or unrelated damage to the loss vehicle. The basis for any adjustment shall be fully explained to the claimant in writing and shall:

(1) reflect a measurable difference in market value attributable to the condition and age of the vehicle, and

(2) apply only to parts normally subject to repair and replacement during the useful life of the vehicle such as, but not limited to, tires, batteries, et cetera.

Mechanical systems and their parts experience wear over with routine driving. Vehicles that aren’t maintained to the manufacturer’s guidelines may experience accelerated wear during operation.

Drivetrain: The system that connects the transmission to the drive axles. This includes the transmission, gearbox, differential and drive shaft.

Clutch: The system that connects and disconnects a vehicle engine from its transmission system. This includes the clutch disc, pressure plate, flywheel and pedal with piston or pulley system.

Brakes: The system that slows or stops a vehicle. This includes parking brake cables, park brake lever, master cylinder, brake lines, caliper, reservoir, pads, hoses, drums, rotors, shoes and pedal.

Suspension: The system that cushions a vehicle from road conditions. This includes springs, shocks and struts, linkages, bushings, control arm, leaf spring, torsion bar, anti-sway bars, tie rod and knuckle.

All vehicles require routine maintenance.  We are required to maintain the cosmetic look to the best of our ability and provide routine mechanical and systemic maintenance.

If your RV breaks down due to mechanical issues on the road, insurance will not cover any costs to the loss related to hotel, towing, etc.

However, we do offer roadside assistance to aid in the case of breakdowns.

Ready to book your rv?