What Is RV Rental Insurance Coverage?

So, you are thinking about renting an RV, packing up the family, and hitting a few secluded trails for some well deserved R&R.; You know you need RV rental insurance to protect you while you are on your travels.

The problem is, you are not entirely sure what rental insurance is, or how you should go about getting it. Relax! You have come to the right place. Read on, and find out everything you need to know to make informed RV rental coverage decisions.

RV rental insurance covers you on vacation. Used under a Creative Commons licence courtesy of Stuck in Customs at Flickr

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Rental Insurance is For Non-Owners

The first thing you need to know, when you start looking for RV towing insurance or RV liability insurance, is what exactly you're shopping for.

That is the simple part. Rental insurance is a form of insurance that covers you, and any other nominated drivers, for the duration of the time that you are renting an RV.

Coverage options vary, and you will need to shop around. Essentially, RV rental insurance is designed to protect you from costs and damages incurred while you are renting a recreational vehicle from any agent, rental outlet, or individual.

What Sort of RV Rental Insurance Options Do You Have

When it comes to RV rental insurance options, you have plenty – but that is often the problem.

When you first venture out there, looking for an online RV insurance quote, you are likely to be presented with all of the following options (and possibly a few more besides!):

  • Primary
  • Secondary
  • Travel trailer
  • Utility and cargo trailers
  • Horse trailer

These are just some of the variations out there, when you look for online RV insurance quotes. It helps to know what features you need to consider in each policy, too.

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What to Look For in RV Rental Insurance Quotes

When you are in the throes of choosing RV rental insurance, and you are getting online RV insurance quotes from all over the place, it can be tricky to tell your RV towing insurance from your RV liability insurance, and figure out what you should be looking at.

Here's a brief checklist to guide you.

  • Liability coverage. Look for RV insurance options that include a fair amount of RV liability insurance. You never know when things will go wrong, and you want to be covered
  • Comprehensive insurance. This is another good RV rental insurance. Pretty much means you are covered – no matter what happens
  • Collision insurance. If you get in an accident with an RV, it is likely to be a little more than your average fender bender. RV collision insurance covers you

There are all kinds of other jargon and terminology you will want to look out for – minimum fleet size, medical payments, uninsured driver, and more.

The Good News

The good news is that, even with all the confusion around rental RV insurance, many dealers have already signed up for their own insurance policies. You probably won't need to Google too many online RV insurance quotes.

You do, however, want to know enough about RV insurance to make sure that you're signing a policy that protects you, and that won't leave you with a huge liability to pay off if something should happen.

RV insurance policies should protect you, the customer, as well as the dealer, from damage, loss, injury, or litigation.

If you see anything in an RV rental insurance policy offered by an RV rental dealer that seems to be skewed in their favor, then you should always question it. They may be trying to pass on their liability to you, and you do not want that.

Ideally, an RV rental agent should give you a policy for RV rental insurance on the letterhead of the company that issued it, and not amended from the original. If they do not, then don't sign it. It really is that simple.

Do It Yourself vs Dealer Options

When you are looking for RV rental insurance, and deciding whether to opt for a do-it-yourself package, or insurance offered by a dealer, there are a few things you will want to consider.

First, bear in mind that dealers often enjoy bulk rates and hefty discounts from their insurance providers. So if you are looking for a cheaper option, the dealer may be your best choice.

It is not always the case though, so make sure that your dealer is not padding their insurance rates, and ask to see the actual documentation. Just signing up for insurance on the rental form is not a good idea, so do not do that. You want to view the policy before you sign it.

RV insurance protects you when the worst happens. RV rental insurance covers you when you don't own the RV you're using.

Next, you should remember that some dealers will require you to sign up with their insurance carrier during your rental period. While that is not always a bad thing, it is not a bad idea to check out a few online RV insurance quotes yourself, to make sure that you're getting a good deal.

Finally, whatever you choose, make sure that you read the policy from front to back, and query any issues that you find, or anything that is unclear. Often, insurance problems lie in the details, and the fine print – not the main text – so go over it with a fine-toothed comb.

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Is It Ever a Good Idea NOT to Have RV Rental Insurance?

No! Whether you are talking RV towing insurance or RV liability insurance, not having RV insurance when you are renting is never a good idea.

Sure, if nothing goes wrong, you might save a little money, but if something does go wrong, you could end up losing a bundle. RVs are not cheap, and they do a lot of damage when they collide with anything, so it is always better to have it and not need it, than need it and not have it.

As with any insurance purchase, the best idea when you are buying RV rental insurance is to research the available options carefully, weigh the pros and cons of each, make sure you're covered to the maximum, and then make a choice.

Bad RV rental insurance, RV towing insurance and RV liability insurance may be better than none, but that still does not mean it is good.

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