Protection plans – In detail | US hosts

Summary of US host protection plans

• Hosts can choose one of five Vehicle protection plans: 60 plan, 75 plan, 80 plan, 85 plan, and 90 plan.
• All plans provide $750,000 in third-party liability insurance, except in some states and at some airports that require additional coverage. This includes vehicles in the state of New York where plans provide $1,250,000 in third-party liability insurance provided by Travelers Excess. Liability insurance is provided under a policy issued to Resortifi by Travelers Excess and Surplus Lines Company (“Travelers”).
• Plans provide varying levels of contractual reimbursement from Resortifi for Physical Damage and theft.
• Damage claims are handled by Travelers’ claims company, Constitution State Services.
• To qualify for eligible Physical Damage reimbursement, Resortifi needs clear photo documentation of the areas for which the Host is seeking reimbursement.
  • Photos must be submitted to Resortifi within 24 hours of the start and end of the trip.
  • If damage can’t be fully demonstrated by such photo evidence, Resortifi may consider other evidence (e.g. a police report, third-party report) that’s necessary to confirm the damage took place during the Reservation Period.

US Host protection plans

Plan*	60 plan	75 plan	80 plan	85 plan	90 plan
Host take	60% of the trip price	75% of the trip price	80% of the trip price	85% of the trip price	90% of the trip price
Deductible** (per claim of physical damage to your car)	None	$250	$750	$1,625	$2,500
Third-party liability insurance***	$750,000 from Travelers Excess and Surplus Lines Company	$750,000 from Travelers Excess and Surplus Lines Company	$750,000 from Travelers Excess and Surplus Lines Company	$750,000 from Travelers Excess and Surplus Lines Company	$750,000 from Travelers Excess and Surplus Lines Company
Replacement Vehicle Reimbursement†	$50/day, 10 day max. In the event of a total loss, the full 10 days	$30/day, 10 day max. In the event of a total loss, the full 10 days	Not included	Not included	Not included
Exterior Wear & Tear†	Resortifi is responsible for eligible Exterior Wear and Tea	Not included	Not included	Not included	Not included
Loss of hosting income†	Resortifi is responsible for the vehicle’s potential earnings, based on the last 60 days' average earnings, up to a maximum of 30 days. Or the Host may opt for Replacement Vehicle Reimbursement.	Not included	Not included	Not included	Not included

This table is only a summary. Refer to the detailed information below to learn more about the terms, exclusions, and conditions that may apply to protection plans. Any capitalized words are defined below under “General Definitions.”

Detailed terms and conditions

When a Host is in compliance with the Terms of Service and hasn’t chosen to decline a protection plan, the following applies:

Liability insurance

All protection plans include coverage under a third-party automobile liability insurance policy issued to Resortifi from Travelers Excess & Surplus Lines Company (“Travelers”). The Travelers Policy doesn’t provide a defense or indemnification for any claim asserted by Resortifi. Subject to terms, conditions, and exclusions, the Travelers Policy provides Hosts with the following kinds of coverage during the Reservation Period:

• Bodily injury and property damage to third parties
  • Insures legal exposure for claims of bodily injury or property damage to a third party (meaning someone or something else) that may occur during a Guest’s trip with your vehicle. The policy provides coverage up to a combined single limit of $750,000, except in some states and at some airports that require additional coverage. This includes vehicles in the state of New York, where coverage is up to $1,250,000.
• Personal Injury Protection (“PIP”)
  • The minimum amount of PIP coverage allowed by law in those few states where PIP coverage is required by law and can’t be waived.
  • PIP typically protects Guests and passengers (up to a stated dollar amount) for medical, funeral, and similar expenses. This protection applies regardless of who was at fault. The scope of PIP coverage varies by state.
  • PIP isn’t required in all states and may be waived in some states. Resortifi has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Resortifi’s election binds hosts and guests. In addition, they agree to be bound by that election under the Terms of Service.
• Uninsured or Underinsured Motorist (“UM/UIM")
  • Includes the statutory minimum amount of UM/UIM coverage in those few states where UM/UIM coverage is required by law and can’t be waived.
  • UM/UIM coverage protects Hosts, Guests, and passengers from losses resulting from bodily injury caused by an uninsured driver, hit-and-run driver, a driver whose limits of liability have been exhausted, or a driver whose insurer is insolvent while in the shared Vehicle during the Reservation Period.
  • Resortifi has either waived this coverage entirely or subscribed to the lowest limit allowable by state law. Resortifi’s election binds hosts and guests. In addition, they agree to be bound by that election pursuant to the Terms of Service.

For questions or information about the third-party liability insurance that’s included in protection plans, consumers in Maryland and the licensed states listed here may contact Resortifi Insurance Agency at (number) / (link). For questions about how damage to a Host’s vehicle is handled, visit our Help Center.

Note: State law may impose liability for injuries to persons or property resulting from the negligence in the use or operation of the shared vehicle by guests or authorized drivers for judgments exceeding the coverage limits of insurance in effect during a trip.

Note: Many private passenger automobile insurance policies exclude coverage for peer-to-peer car sharing. That means your policy likely doesn’t insure the Vehicle during the Reservation Period (including delivery). Some policies may still provide coverage. Talk to your insurance company or advisor about the applicability of your own insurance. Neither Resortifi nor Resortifi Insurance Agency provide information or advice about the existence or scope of any coverage that might be available under a Host’s personal policy during the Reservation Period.

Physical Damage reimbursement

US host protection plans also address the allocation of financial consequences of Physical Damage to your car during the trip. Physical Damage contractual reimbursement from Resortifi applies to your Vehicle in the event of a collision and comprehensive events during the trip and is subject to terms and exclusions. Physical damage reimbursement isn’t insurance.

Resortifi will reimburse Hosts for eligible Physical Damage costs above the Deductible, subject to terms and exclusions, for the lesser of the cost of repair or, the Actual Cash Value (ACV) of the Vehicle up to $200,000 in case of a total loss. We may withhold up to 20% of covered damages above the protection plan deductible tied to vehicles with a Fair Market Value of $125,000+ for which there was no activated OEM tracker or the host has failed to provide requested vehicle location information.

When receiving ACV for a total loss, you must, at Resortifi’s sole discretion, do one of the following as a condition for receiving payment:

• Transfer title to the vehicle, and if requested, physically deliver the vehicle to Resortifi or a third party appointed by Resortifi, to accept title and physical delivery.
• Accept a reduction of the ACV equal to the Salvage Value of the damaged vehicle, as determined by the highest third-party salvage quote that Resortifi obtains for the vehicle

Each protection plan reflects the agreement between the Host and Resortifi as to how to fairly allocate responsibility for the financial consequences of that Physical Damage. Resortifi is NOT an insurance company and doesn’t have or offer insurance for Physical Damage to your Vehicle. Vehicles listed in New York that are subject to a lease or loan may need additional coverage. Contact the New York Department of Financial Services at (number) to learn more. When a trip is booked in the state of Washington, Physical Damage to the Host’s vehicle is covered by insurance purchased by Resortifi, but it doesn't change the contractual responsibilities of Hosts or Guests with respect to Physical Damage to a Host’s vehicle.

• Deductible
  • For Vehicles on the 60 plan, there’s no Deductible.
  • For Vehicles on the 75 plan, there’s a maximum $250 Deductible.
  • For Vehicles on the 80 plan, there’s a maximum $750 Deductible.
  • For Vehicles on the 85 plan, there’s a maximum $1,625 Deductible.
  • For Vehicles on the 90 plan, there’s a maximum $2,500 Deductible.
  • We use the word Deductible to mean the amount you’re responsible for in the event of physical damage to your car during a Resortifi trip before you’re eligible for reimbursement.
  • Note that this Deductible applies to all types of physical damage claims including, but not limited to, exterior damage, interior damage, flat tires, damaged tires, glass, and mechanical damage.
• Replacement Vehicle Reimbursement
  • Under the 80, 85, and 90 plans, Resortifi isn’t responsible for any Replacement Vehicle Reimbursement.
  • Under the 75 plan, subject to all of the Terms and Conditions, Resortifi will, at the Host’s election:
    • reimburse the Host for up to $30 per day in documented Replacement Vehicle Reimbursement for a maximum of 10 days. Resortifi will provide a Vehicle reimbursement of $300 if the Vehicle is considered a total loss.
  • Under the 60 plan, subject to all of the Terms and Conditions, Resortifi will, at the Host’s election:
    • reimburse the Host for up to $50 per day in documented Replacement Vehicle Reimbursement for a maximum of 10 days. Resortifi will provide a Vehicle reimbursement of $500 if the Vehicle is considered a total loss.
    • Hosts can elect to receive either Loss of Hosting Income (as detailed below) or Replacement Vehicle Reimbursement, but not both.
• Exterior Wear and Tear
  • Under the 75, 80, 85, and 90 plans, Resortifi isn’t responsible for reimbursing any Exterior Wear and Tear Costs.
  • For eligible vehicles* under the 60 plan, Resortifi is responsible for reimbursing Exterior Wear and Tear Costs for confirmed, new Physical Damage that is less than 3” only. Interior Wear and Tear aren’t included.
• Loss of Hosting Income
  • Under the 75, 80, 85, and 90 plans, Resortifi isn’t responsible for reimbursing any Loss of Hosting Incom
  • Under the 60 plan, Resortifi is responsible for reimbursing the Loss of Hosting Income for the damaged Vehicle’s potential earnings, based on the last 60 days' average earnings, up to a maximum of 30 days of reimbursement for repairable Vehicles. If a vehicle is deemed to be a total loss, Resortifi will reimburse for the Loss of Hosting Income for the lesser of the time to settlement of the total loss or 30 days. If the host has no earnings history, Resortifi will issue a standard payment of $25 for Hosts who opt to receive Loss of Hosting Income. Hosts who opt to receive Loss of Hosting Income aren’t eligible for Replacement Vehicle Reimbursement.
• Diminished value
  • If your car is damaged (not totaled) and repaired, you’re not protected from any diminution in the value of your car. If your car is eligible for physical damage reimbursement, Resortifi will pay for the lesser of the cost of repair up to the Actual Cash Value of the vehicle or $200,000. There’s no reimbursement for any potential reduction in value resulting from damage related to a trip.
• Quality of repairs
  • Resortifi will only reimburse you for reasonable Storage Fees, up to the prevailing rates in the market, and never more than $2,500 unless Resortifi causes a delay that results in additional Storage Fees or as otherwise agreed in writing.
  • You must mitigate your damages and make sure Storage Fees or other expenses aren’t accumulating needlessly. The charges must be reasonable. If Resortifi informs you that it’s reached an impasse with your repair shop, auto body shop, or tow yard regarding how much Resortifi is willing to reimburse you, you must promptly remove your vehicle before additional Storage Fees accrue. If you fail to do so, Resortifi will consider these Storage Fees as Unreasonable Charges.
  • In California, you must use a repair or auto body shop that’s a member of the Bureau of Automotive Repair (BAR) to be eligible for any reimbursement.
  • You’ll be responsible for paying additional amounts when your repair or auto body shop includes charges on the invoice above what Resortifi or its third-party administrators have agreed to reimburse under your protection plan, or it may be deducted from the amount you receive from Resortifi.
  • Resortifi will only reimburse you for Storage Fees subject to the limitations mentioned above. We won’t reimburse you for Storage Fees that accrue before the vehicle is deemed a total loss or that result from delays for which Resortifi isn’t responsible (e.g. delays caused by you or your repair or auto body shop).
• Quality of repairs
  • Unless you select a Resortifi-trusted network of repair shops, there’s no guarantee, expressed or implied, for the quality of repairs you obtain. You will learn about whether a Resortifi-trusted network is an available option during the claims process. If a shop that isn’t part of the network repairs the eligible damage and the repairs later turn out to be of low quality, neither Resortifi nor insurers will reimburse you for repeat repairs.

General Definitions

• Actual Cash Value: the actual value of your vehicle calculated at the time of filing a damage claim. This amount is used to determine the maximum coverage amount.
• Comprehensive: other property damage to the car that isn’t a collision – theft, fire (excluding fires resulting from Mechanical Failure), animal impacts, vandalism, falling objects, and acts of nature (windstorm, flood, etc.). In the case of “acts of nature,” or fire comprehensive damage (e.g., flood, earthquake, hail, windstorm, etc.), the Host will receive reimbursement subject to their selected protection plan for the reservation.
• Deductible: the amount you’re responsible for in the event of physical damage to your car during a Resortifi trip before you’re eligible for reimbursement.
• Delivery Period: the time when the Host or designee, who is a Resortifi-approved driver, is actively delivering the car to the primary guest who has reserved delivery and ends when the car has been delivered to the primary guest. The period doesn’t include the time when the Host or designee is retrieving the car at the end of the trip. There’s third-party liability insurance available during the Delivery Period if the guest books delivery in the reservation, but no contractual reimbursement for Physical Damage to the Host’s Vehicle during the Delivery Period.
• Deterioration: any fading, discoloration, rust, or wear caused to the interior or exterior of the Vehicle over time. Also includes any deterioration from road use of tires, and mechanical deterioration of belts, suspension, and electrical and mechanical components, along with any resulting damage from these events.
• Exterior Wear and Tear: any dings, dents, cracks, or scratches to the exterior body of the Vehicle that is 3 inches in diameter or less. This includes but isn’t limited to, rims, wheels, hubcaps, any painted or textured area for the body of the Vehicle, and moldings.
• Fair Market Value: The determined value of a vehicle that it will sell for in an open market. Resortifi uses a third-party vehicle valuation vendor to determine the Fair Market Value of vehicles listed on our platform.
• Guest: the primary name listed in the reservation. We also use it to refer to any Resortifi-approved additional drivers listed on the reservation.
• Host: The person(s) or entity that lists a Vehicle on Resortifi, including but not limited to the Vehicle owner(s) and persons or entities authorized by the Vehicle’s owner(s) to list the Vehicle on Resortifi.
• Interior Wear and Tear: minor scuffing of interior surfaces that is 3 inches or less in diameter, along with any dials, switches, or knobs, that break or fail over time. Cuts and punctures that are clearly due to abuse or misuse by the Guest are not included in this definition.
• Loss of Hosting Income: payment for the possible earnings that a Host might have lost due to reimbursable damage to your Vehicle.
• Mechanical Failure: confined wear and tear or breakdown of mechanical components, which includes the vehicle’s electrical system, suspension, engine, or transmission. This consists of any damage resulting from wear and tear, manufacturer defect, lack of maintenance or upkeep along with any additional damages caused by the mechanical failure. Damages caused by guest negligence and intentional misuse are excluded from mechanical failure. Clutch damage is handled separately.
• Necessary Repair Costs: the reasonable and necessary costs for the parts and the labor required to repair the eligible Physical Damage to the reserved Vehicle that occurred after the Delivery Period and during the Reservation Period, except for the following Excluded Costs:
  • Aftermarket accessories that don’t replace original parts. Read complete information on the use and reimbursement of aftermarket parts.
  • If the Reimbursable Cause is an act of nature (e.g., flood, earthquake, hail, windstorm, etc.), any cost that the Host’s private passenger auto insurer wouldn’t have been required to pay under the primary insurance policy covering the Vehicle in effect immediately prior to the start of the Reservation Period.
• Physical Damage: actual tangible damage to the Vehicle that occurs after delivery during the Reservation Period as a result of a Collision or a Reimbursable Cause (Note: The Host is required to demonstrate that any damage to the reserved Vehicle meets the definition of Physical Damage by providing the proof outlined below).
  • Collision means when the Vehicle collides with another vehicle or an object.
  • Reimbursable Cause means theft, fire (excluding fires resulting from Mechanical Failure), animal impacts, vandalism, falling objects, and acts of nature (e.g., flood, earthquake, hail, windstorm, etc.).
  • Excluded Damage:
    • Damage existing as of the start of the Reservation Period;
    • Interior Wear and Tear;
    • Exterior Wear and Tear for Vehicles on all plans other than the 60 plan
    • Physical Damage existing prior to, or occurring during, the Delivery Period;
    • Deterioration
    • Mechanical Failures
    • Physical Damage that occurs during or after any period in which the Host is in violation of the Terms of Service;
    • Damage to any personal items left in the Vehicle;
    • Damage to, or resulting from, tires that are defective, have excessive wear & tear or dry rot, have tread depth less than 4/32 inch, weren’t properly inflated prior to the reservation, or are 6 or more years old.
    • Scrapes, scratches, and dings regardless of size, to the underside of bumpers, air deflectors, and underbody panels.
    • Dings, dents, scratches, and creases less than 3” to the inside of truck beds from loading or carrying items.
    • Minor scuffs, scratches, dings, and dents less than 3” to non-painted Jeep Wrangler hard tops and Freedom tops.
• Replacement Vehicle Reimbursement: reimburses Hosts for costs incurred by booking alternate transportation while the Vehicle is in the shop due to eligible damage that occurred during the Reservation Period while the Vehicle is in the Guest’s custody or control.
• Reservation Period: begins at the trip start time listed in the reservation and when the Vehicle is in the custody or control of the Guest and ends the earlier of the trip end time or when the Vehicle is returned to either the Host or the location designated in the reservation. This is the period shown for a booked trip.
• Salvage Value: Value of a wrecked vehicle that it can be sold for in an effort to recover funds paid out during claims.
• Storage Fees: fees charged by a repair or auto body shop for keeping your vehicle during repairs and/or the time your vehicle is sitting at the shop after repairs are made and before it gets picked up.
• Unreasonable Charges: needless accumulated expenses incurred due to not promptly removing your vehicle before additional storage fees accrued.
• Vehicle: the vehicle was booked during the applicable reservation.

Payment/Reimbursement Requirements and Process

• Proof of Physical Damage:

  • For Hosts to qualify for eligible Physical Damage reimbursement, Resortifi must have clear photo documentation of the areas for which the Host is seeking reimbursement taken and submitted to Resortifi within 24 hours of the start and end of the trip. In the event the damage can’t be fully demonstrated by such photo evidence, Resortifi may also consider other evidence (e.g. a police report, third-party report) that’s necessary to confirm the damage took place during the Reservation Period.
  • As an alternative to the conditions listed above, Hosts may qualify for eligible Physical Damage reimbursement if all of the following three conditions are true: (a) the Guest used Resortifi Go to lock and unlock the car, and (b) the Host or the Host’s designee wasn’t physically present at the start of the reservation; and (c) the Guest didn’t take front, back, side, and other applicable photos of the Vehicle at the time of car pick-up. If (a) - (c) are all met, then clear photo documentation of the area the Host is seeking coverage for taken within 24 hours of the end of the trip by the Host, along with the Host’s credible representation that the damage took place during the trip, may be sufficient documentation to qualify for Physical Damage protection.
  • Payments and reimbursements are made directly to Visa Debit or check**, via Hyperwallet.

• Proof of Necessary Repairs

  • For Hosts to qualify for reimbursement for the Necessary Repairs for eligible Physical Damage during the Reservation Period, and for the Guest to be held responsible for the damage, Resortifi must have the following documentation:
    • (1) clear, dated, photo documentation from the Host of the out-of-pocket expenses paid for the Vehicle’s repair; and
    • (2) other evidence (e.g. a diagnostic report, vehicle alignment sheet) that demonstrates the damage was repaired and paid for.
  • Payments and reimbursements are made directly to Visa Debit or check**, via Hyperwallet.

• Proof of cost for Replacement Vehicle Reimbursement

  • For Hosts to qualify for Replacement Vehicle Reimbursement, Resortifi must have clear, dated receipts of the purchase.
  • Replacement Vehicle Reimbursement is paid directly to the Host. Loss of Hosting Income is issued via Host earnings.

The allocation of responsibility between Resortifi and the Host isn’t impacted or altered in any manner by any amount that Resortifi can or does collect from the Primary Guest or from a third party on account of the Physical Damage. The Host’s plan is unrelated to the level of responsibility retained by the Primary Guest under whichever Guest protection plan is chosen by the Primary Guest.

*Resortifi considers vehicles that have fewer than 24,000 miles AND are two years old or less, eligible for the wear and tear benefit as well as vehicles in the Super Deluxe class. Resortifi uses a third-party vehicle valuation vendor to determine the Total Market Value of vehicles listed on our platform, which determines vehicle class on the platform.

**If a trace number or bank research is requested, a fee of up to $50 may be charged to the Host.