Insurance

We have you covered with a $1 MILLION Liability and $200K Comprehensive & Collision Insurance for our customers.

Insurance was once the hardest question to answer but it isn’t anymore. When renting an RV from OCRV, you don’t need to purchase a rental binder and there are no brokers or agents to call. Our online RV rental booking process via our website ensures your rental insurance coverage is automatically processed through our simple online booking steps. The process also ensures your coverage is activated from the moment you pick up the keys to the RV. Whether you are a domestic or an international renter, the only requirement is that you complete and pass our DMV History Check which ensures our customers are safe, qualified to drive.

So what’s the exact process?

To qualify for insurance drivers must be at least 25 years of age, have a current license and a clean driving history.

Here’s the online verification process in a nutshell:

Simply select the vehicle you want to rent, input your rental dates, and during your booking steps you will be asked to enter your drivers license number. We will confirm your identity and driving history through a quick background check with the Department of Motor Vehicle databases across all 50 U.S. states, including Puerto Rico and The U.S. Virgin Islands. For international renters, we also include over 100 international countries driving databases. The process takes only seconds (International driving record checks can take from 1 hour to 24 hours).

Based on the specific criteria with Dept. of Motor Vehicle databases  report a “pass” or “fail” for every user during the background check.

A fail will only result if your driving record shows a DUI or a suspended license, more than two speeding citations 20Mph over above the legal speed limit within the last twelve months. A fail means you are unable to qualify for insurance coverage.

If you receive a “pass” you will be automatically covered by our $1M in liability policy. This pass will qualify you to rent again for up to a 1-year period. At the end of that time period, you will be required to go through the DMV check again. This is to ensure that we keep up to date records on ever changing driving histories for our underwriter and to best protect our vehicle owners.

It’s an easy and secure process and your information is never shared with anyone. This insures the safest drivers are rewarded with safe insurance.

More on the insurance coverage

You are covered under a $1 million dollar liability policy and $200K in comprehensive and collision.

The coverage’s protect you against claims from third parties and for damage caused to the vehicle. You’re protected against physical damage that you may cause to the RV, up to the actual cash value, and we won’t seek claims from your primary insurance company.