Insurance and Liability Reduction Options

 

This page is a summary of each Companies Liability. This amount is what you would be liable to pay in the event of an accident or damage to the vehicle, regardless of who is at fault. The liability applies in respect of each claim, not rental.

Security Bonds

All branches take a Security Bond at the beginning of the rental. Please be aware that some companies charge a non-refundable administration fee, approximately US$10-$40, in addition to the security bond.

Refer to the relevant Campervan Company for further details relating to LRO & Security Bonds

Travel Insurance

Even if you do reduce your liability we strongly recommend purchasing travel insurance before you leave home, for total peace of mind. Insurance policies cover cancellation fees, medical expenses, baggage and much more.


Best Time RV

  Cost per day Liability Fee Bond Payable
Public Liability Insurance Included in Rental    
Collision Damage Waiver Included in Rental $2,500 $1,000
Supplementary Liability Insurance Included in Rental    
Vacation Interruption Protection Included in Rental $1,000 $1,000

Public Liability Insurance

Best Time RV maintains liability insurance coverage on all their rental vehicles for bodily injury and property damage liability claims brought by a third party (other than a passenger) against the renter (and any other driver listed in the rental contract) and/or the company as a result of the operation or use of their rental vehicles. The policy protects the company for USD 5 million and the renter for statutory limits. This basic public liability coverage is included in all rental rates. All coverage and waivers are subject to the express terms of the rental contract.

SLI - Supplemental Liability Insurance

Best Time RV maintains supplemental liability insurance coverage on all their rental vehicles for bodily injury and property damage liability claims brought by a third party (other than a passenger) against the renter (and any other driver listed in the rental contract). The policy increases statutory limits to USD 1 million for the renter. This supplemental liability coverage is included in all rental rates. All coverage and waivers are subject to the express terms of the rental contract.

Customer Responsibility with CDW - Collision Damage Waiver

In the event of loss or damage to vehicle while on rent, whether or not due to the fault of customer, customers responsibility for direct and accidental loss (including theft and vandalism) or damage to the vehicle is unlimited. That is, customer is responsible for all loss or damage. All daily rental rates for all vehicles include Collision Damage Waiver (CDW). With CDW, the customers responsibility for accidental damage, theft and vandalism (police report is required) to the vehicle is reduced to USD 1,000.00 per occurrence, with the following exceptions:

Exceptions for which there is no reduction in customer’s responsibility for damages:

  1. caused as a result of use without Moturis RV & Camping World expressed permission or consent
  2. damage caused by striking overhead objects
  3. damage caused by freezing or overheating vehicle systems
  4. all damage caused during any use of off public roads (including at camp grounds, parking lots, service stations, etc)
  5. undercarriage damage, including tires and wheels
  6. damage caused from backing up vehicle
  7. all glass damage

Customer Responsibility with VIP - Vacation Interruption Protection

Included in daily rental rates

  • With VIP, the customer’s responsibility for accidental damage is further reduced to USD1,000.00. In case of theft and vandalism to the vehicle, the deductible is USD 1,000.00.
  • VIP also covers the expenses in the event of a mechanical breakdown requiring the vehicle to be in repair for more than 12 working hours. Radio, air conditioning, refrigerator, generator, microwave, appliances, automatic step, cruise control are not considered to be mechanical breakdowns. Incurred expenses of USD 30.00 per person per day for lodging and USD 30.00 per group per day for other transportation is provided. A limit of USD 3,000.00 per tour applies and this plan is not valid in case of an accident. Customer must present all receipts for refund of expenses.

VIP coverage is void (I) if customer fails to file an accident/damage police report, or (II) if vehicle is used in violation of the terms of the rental contract.

Deposit for all rentals is USD 1,000.00 (will strictly be enforced, authorized/not charged) - With the exception of Burning Man Travel


Britz

Standard Liability

All Britz Motorhomes includes a Standard Liability of US$1,000 for secondary Comprehensive and Collision coverage for the rented vehicle.

Public Liability Insurance is included and is to cover accidents in the event that the Renter is at fault. The policy protects the Renter/Driver to Statutory Limits (State mandated minimum liability coverage). Liability coverage is applicable in the state where the accident occurred. In addition to this, a bond will be collected at the time of entering into the Rental Contract. Payment of this Bond is only accepted by credit card. The amount above will be authorized blocked) to the credit card account immediately.

  Cost per Day Liability Fee Bond Payable
Standard Included in Rental $1,000 $1,000

Liability Reduction Options (LRO)

There are no options available to reduce the Standard Liability.

Supplemental Liability Insurance (SLI)

Supplemental Liability Insurance (SLI)is an optional extra and may be purchased for an additional fee. SLI provides the customer and any authorized driver on the rental contract with an increased limit of liability protection for up to US$1,000,000 toward 3rd party damage claims.

 

SLI Cost per night
All RVs US$9

Cruise America

This program is only valid for non USA residents

Standard Liability

Basic minimum statutory auto liability coverage is included in the rental rates. All coverages are subject to the Terms and Conditions of the Rental Contract.

  Cost per Day Liability Fee Bond Payable
Standard Included in Rental $1,000 $1,000

Supplemental Liability Insurance (SLI)

 Included with all USA Rentals – Not Valid in Mexico

SLI provides excess liability coverage up to a total of $1,000,000 combined single limit of coverage per occurrence against claims made by third parties for bodily injury, death, and/or property damage caused by operation of the vehicle. EXCLUSIONS APPLY. A partial list is contained in the Rental Contract. Please check at departure.

  Cost per Day Liability Fee Bond Payable
Supplemental Liability Insurance (SLI) Included in Rental $1,000 $1,000

Coverage Summaries

Provided you abide by the Terms and Conditions of the Rental Agreement, report accidents and/or damage promptly, and avoid prohibited vehicle uses, your coverages include:

  • Auto Liability: Statutory and excess Supplemental Liability Insurance up to $1,000,000.
  • Vehicle Damage / Loss: Per occurrence or incident, only $1,000 of responsibility. You are covered for amounts in excess of $1,000 under most conditions.
  • Trip Reimbursement: Travel Expenses incurred as a result of mechanical breakdown up to $3,000 per tour.

El Monte - International Value Program

This program is only valid for non USA residents

Standard Liability

El Monte RV offers VIP coverage which is separate protection that reduces Renters financial responsibility for all physical damage to the Rental Vehicle to the applicable deductible of US$1,000 (US$5,000 for overhead damage and undercarriage damage including entry step, tires and wheels).

VIP is a contractual agreement between the El Monte RV and the Renter, wherein El Monte RV agrees not to collect more than the applicable deductible of US$1,000 per occurrence from Renter for damages to the Rental Vehicle.

  Cost per Day Liability Fee Bond Payable
Standard Included in Rental $1,000 $1,000

Liability Reduction Options (LRO)

There are no options available to reduce the Standard Liability.

Supplemental Liability Insurance (SLI)

Supplemental Liability Insurance provides excess auto liability insurance that protects the renter for the difference between the underlying insurance and up to US$1,000,000 against claims by a third party for bodily injury and/or damage sustained as a result of an accident while operating the El Monte RV rental vehicle.

SLI Cost per night
All RVs US$10

Mexico Auto Liability Insurance(MALI)

El Monte RVs Mexico Auto Liability Insurance is required protection which the renter must obtain from El Monte RV when renting an EL Monte RV vehicle and will be traveling to Mexico. Being added to El Monte RVs Mexico Auto Liability Insurance policy provides excellent coverage and eliminates the hassles of trying to obtain insurance at the border.

This insurance provides coverage for physical damage to or total theft of the El Monte RV rental vehicle, third party liability and medical payments. Coverage also includes legal assistance to aid in the prevention of the driver from going to jail.

MALI Cost per day
All RVs US$22

 


El Monte

This program is valid for ALL nationalities worldwide including USA domestic.

All clients are required to either provide or obtain Primary Third Party Liability Insurance up to the US Statutory Limits (these limits vary within each state).

Those clients who do not want to use their own insurance as primary or do not have sufficient insurance or do not have valid insurance for a motorhome, will be required to purchase RLI.

Note that if VIP cover is not taken then the client is liable for the full cost of repair to the vehicle.

    Liability Fee Bond Payable
Standard   Please Enquire $1,000

Vehicle Incident Protection (VIP)

El Monte RV offers VIP coverage which is separate protection that reduces Renters financial responsibility for all physical damage to the Rental Vehicle to the applicable deductible (liability) of US$1,000. VIP is a contractual agreement between the El Monte RV and the Renter, wherein El Monte RV agrees not to collect more than the applicable deductible of US$1,000 per occurrence from Renter for damages to the Rental Vehicle.

VIP Cost per night
All RVs US$16

Supplemental Liability Insurance (SLI)

Supplemental Liability Insurance provides excess auto liability insurance that protects the renter for the difference between the underlying insurance and up to US$1,000,000 against claims by a third party for bodily injury and/or damage sustained as a result of an accident while operating the El Monte RV rental vehicle.

SLI is not available for purchase at rental offices in  Nebraska, New York and Virginia.

SLI Cost per night
All RVs US$13.50

Rental Liability Insurance (RLI)

Rental Liability Insurance acts as Primary Third Party Liability Insurance up to the required financial responsibility limits. RLI is not available for purchase at rental offices in Arizona, District of Columbia, Florida, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, New York, Nevada, New Hampshire,  South Carolina, South Dakota, Vermont  and Virginia.

 

RLI Cost per night
All RVs US$13.50

RLI & SLI Explanation

RLI is Primary Third Party Liability Insurance up to the required financial responsibility limits.  So if the renter accidentally damages someone else's property or injures someone with the motorhome, then the renter is protected from the claim up to the state minimums of whatever state the accident occurs in.  Cost of RLI is $13.50 per night.  

Supplemental Liability Insurance (SLI) starts where RLI ends.  

SLI is Additional Third Party Liability Insurance which increases the protection against Third Party Liability claims up to $1,000,000 once the state minimums have been met.  So if the renter accidentally damages someone else's property or injures someone with the motorhome, then the renter is protected from the claim up to One Million USD.  Cost of SLI is $13.50 per night.  

Mexico Auto Liability Insurance(MALI)

El Monte RVs Mexico Auto Liability Insurance is required protection which the renter must obtain from El Monte RV when renting an EL Monte RV vehicle and will be traveling to Mexico. Being added to El Monte RVs Mexico Auto Liability Insurance policy provides excellent coverage and eliminates the hassles of trying to obtain insurance at the border.

This insurance provides coverage for physical damage to or total theft of the El Monte RV rental vehicle, third party liability and medical payments. Coverage also includes legal assistance to aid in the prevention of the driver from going to jail.

MALI Cost per day
All RVs US$22

 


Escape

Standard Liability

Insurance is not included in the cost of the rental. The hirer is responsible for any damage caused to the Escape Campervan.

For peace of mind, you will be offered:

Liability Reduction Options (LRO)

The Standard Liability can be reduced by purchasing one of the following Reduction Options:

  Cost per day Liability Fee Bond Payable
Standard Included in Rental Full Damage Cost Credit Card Imprint
Collision Damage Waiver (CDW) $10 $0 Credit Card Imprint
Supplementary Liability Insurance (SLI) $12.25 $0 Credit Card Imprint

Collision Damage Waiver (CDW)

This costs only $10/day and reduces the Campervan liability (or excess) to $0.

Supplementary Liability Insurance (SLI)

This is to protect clients against 3rd party claims if they injure a person or damage someone elses property. Basic Statutory limits for liability and property damage is included in Escape Campervans daily rate. The liability levels change between various states.

If the renters own travel insurance does not include liability cover to US$1,000,000 this can be offered at an additional amount of $12.25/day. The Liability Insurance is called Supplementary Liability Insurance (SLI) and is completely optional.

 


Jucy

Standard Liability

Basic liability insurance as required by US law with each rental

For any damage on the Jucy Vehicle, the hirer is responsible for $1500 excess/deductible per incident.

Liability Reduction Options (LRO)

The Standard Liability can be reduced by purchasing one of the following Reduction Options:

  Cost per day Liability Fee Bond Payable
Standard Included in Rental $1500 per incident $1500
Collision Damage Waiver (CDW) $10 $0 $500
Supplementary Liability Insurance (SLI) $12 $0 $1500

Collision Damage Waiver (CDW)

This costs only $10/day and reduces the Campervan liability (or excess) to $0.

CDW includes:

  • Cover for accidental damages
  • Windscreen (1 windscreen covered per rental)
  • Protection against theft and vanalism
  • Tire damage (2 tires covered per rental)

Supplementary Liability Insurance (SLI)

This is to protect clients against 3rd party claims if they injure a person or damage someone elses property. This will provide cover up to $1,000,000.


Luxe

Insurance is offered by Luxe for $28 per day, but the hirer can make their own insurance arrangements, provided these are approved by Luxe. If Luxe is not satisfied that the hirer’s insurance is comparable to Luxes, Luxe may decline to hire the vehicle.

Liability is covered by Luxes insurance up to the value of $150,000 in respect of  any loss of, or damage to, the vehicle and its accessories, damage, loss or costs incurred by Luxe, including salvage costs, loss of ability to re-hire and loss of revenue; and, and $500,000 in respect of any loss of, or damage to, vehicles and property of third parties, arising during the term of hire.. This clause does not apply if the hirer rejects Luxes insurance.

  Cost per Day Liability Fee Bond Payable
Standard $28 $2,000 $2,000

Road Bear

Standard Liability

All Road Bear RV Rentals includes a Standard Liability of US$1,000 for secondary Comprehensive and Collision coverage for the rented vehicle.

Public Liability Insurance is included and is to cover accidents in the event that the Renter is at fault. The policy protects the Renter/Driver to Statutory Limits (State mandated minimum liability coverage). Liability coverage is applicable in the state where the accident occurred. In addition to this, a bond will be collected at the time of entering into the Rental Contract. Payment of this Bond is only accepted by credit card. The amount above will be authorized blocked) to the credit card account immediately.

  Cost per Day Liability Fee Bond Payable
Standard Included in Rental $1,000 $1,000

Liability Reduction Options (LRO)

There are no options available to reduce the Standard Liability.

Supplemental Liability Insurance (SLI)

Supplemental Liability Insurance (SLI)is an optional extra and may be purchased for an additional fee. SLI provides the customer and any authorized driver on the rental contract with an increased limit of liability protection for up to US$1,000,000 toward 3rd party damage claims.

 

SLI Cost per night
All RVs US$9

Terms & Conditions

For further details please refer to the relevant Terms and Conditions.