Insurance for others for my RV?

[cardtarget]

If I was lending my RV to friend for a trip, is he covered under my insurance? What if he's paying to use the RV? does that change anything?

Do I need a different policy or to have him find get his own policy?

[NYCgrrl]

rhagfo wrote:

BB_TX wrote:
You best call your own insurance carrier rather than rely on answers you get here.

The first answer was the Best and Correct. YOUR insurance carrier is the ONLY one that give you the correct answers. I would also request it in written form.

Agreed to the nth.
Should the insurance company say yes OR no be sure to ask them for the relevant section of the policy so you can read it for yourself.
HTH

[ol_Bombero-JC]

BB_TX wrote:
You best call your own insurance carrier rather than rely on answers you get here.

Awwww c'mon.......answers on an internet site are always reliable..:R

~

[toedtoes]

Different insurance companies have different rules. Some insure you in any vehicle you drive and your vehicle with any driver (not specifically excluded); others only insure you in your vehicle; others are variables between those two extremes. This can be different for folks insured through the same insurance company (mine was the first, my sibling's was the latter - even though we had the same company and agent).

Renting the RV, as others indicate, changes everything because it becomes commercial.

As BB-TX stated - call your insurance agent and find out on YOUR insurance plan and have your friend call his insurance agent to find out on HIS insurance plan.

[Deb_and_Ed_M]

My insurance was pretty specific: anyone we gave permission to use our Class C was covered - BUT: if it was used for "business purposes", it was NOT insured. And that definition was pretty broad: besides the obvious one of renting the RV, it also included using it to "create income" - an example was filming XXX movies in it. Since we used it for sightseeing, I didn't ask how they would feel about crocheting doilies and then hauling them to craft fairs, for example?

[tatest]

What kind of RV? Insurance issues are quite different for towable and self powered vehicles.

After that, it depends on details of your policy and the other person's policy. Most drivers have liability coverage for anything they drive, but with limitations that will keep you from being fully protected. Some collision policies cover loaning a vehicle, others do not.

Getting paid changes everything, for you, not so much for the other driver. You would need a whole different class of liability insurance, might have difficulty getting any comprehensive and collision. Rental companies use the contract to protect themselves (just read one for any vehicle rental) then try to get the customer to buy additional insurance for the occasion.

[Thunder_Mountai]

beemerphile1 wrote:
If you rent the RV your insurance will be void and you will need commercial insurance.

Bingo!

[Nutinelse2do]

Bird Freak wrote:
lending out a rv is a great way to lose a friend.

X2

[Cobra21]

Tyler0215 wrote:
Have your friend get insurance on the RV. Cancel when they return it to you.

This is the Best Way to go! Your ins. normally covers others with your permission, provided they have a current drivers license? Your insurance co. will be the first to pay, minus the deductible. Now should the damage exceed your liability limits, you could be in for a law suit. Best advice is do not borrow it out, period.

No you can't rent on the policy you have, it would have to be a commercial policy.

Brian

[Tyler0215]

Have your friend get insurance on the RV. Cancel when they return it to you.

[beemerphile1]

If you rent the RV your insurance will be void and you will need commercial insurance.

[Bird_Freak]

lending out a rv is a great way to lose a friend.

[rhagfo]

BB_TX wrote:
You best call your own insurance carrier rather than rely on answers you get here.

The first answer was the Best and Correct. YOUR insurance carrier is the ONLY one that give you the correct answers. I would also request it in written form.

[Homer1]

Normally most insurance will cover another user of your equipment. However, check the clause that if you charge, it becomes a different animal and they generally will not pay. So I guess I am saying if you are going to charge your friend, do it under the table, no written agreements.

[wildtoad]

My guess is that unless prohibited by your policy then if you let a friend drive it your insurance is effect. If he pays you for it does not matter. If you make a habit of lending for money, then you will need a new policy as it will now be considered a rental. But as others have said check with you agent.