Insurance & Protection Policy

Effective Date: 02/25/26

Website: RentMV.com

Company: RentMV

Location: Oak Bluffs, Massachusetts, USA

1. Overview

This Insurance & Protection Policy explains the insurance coverage, limitations, and renter responsibilities for rentals booked through RentMV.com, including:

  • Bicycle Rentals
  • Motor Vehicle Rentals
  • Vacation Home Rentals
  • Aircraft Rentals

Insurance coverage varies by rental category and may be subject to change based on underwriting, availability, and individual rental agreements.

2. General Insurance Disclaimer

Insurance policies are subject to:

  • Policy terms and exclusions
  • Deductibles
  • Coverage limits
  • Carrier approval
  • State and federal regulations

Renters are responsible for understanding the coverage applicable to their specific rental before taking possession.

Proof of insurance may be required prior to release of rental property.

SECTION A — Bicycle Rentals

1. Coverage

Bicycle rentals may include limited liability coverage for third-party bodily injury or property damage where required by law.

2. Renter Responsibility

The renter is responsible for:

  • Damage to the bicycle
  • Theft or loss
  • Injury caused by negligent operation

RentMV strongly recommends that renters:

  • Wear protective gear
  • Confirm personal health insurance coverage

SECTION B — Motor Vehicle Rentals

1. Minimum Liability Coverage

Where required by Massachusetts law, RentMV may provide minimum statutory liability coverage.

This coverage may include:

  • Bodily injury to others
  • Property damage to others

2. Collision & Damage

Collision damage coverage may:

  • Be included with a deductible, OR
  • Be offered as an optional add-on

If no collision protection is selected, the renter may be fully responsible for vehicle damage.

3. Required Documentation

Renters may be required to provide:

  • Valid driver’s license
  • Proof of personal auto insurance
  • Credit card for security deposit

4. Exclusions

Coverage may be voided if:

  • Driver is under the influence
  • Unauthorized driver operates vehicle
  • Vehicle is used for illegal purposes
  • Vehicle is used off-road (unless permitted)

SECTION C — Vacation Home Rentals

1. Property Coverage

Property owners maintain homeowners or short-term rental insurance covering:

  • Structural damage
  • Certain liability risks

2. Renter Personal Property

RentMV and property owners are NOT responsible for:

  • Lost or stolen personal belongings
  • Damage to renter property

Renters are encouraged to obtain travel insurance.

3. Damage Responsibility

Renters are financially responsible for:

  • Damage beyond normal wear and tear
  • Excess cleaning
  • Rule violations

Security deposits may be used to cover damages.

SECTION D — Aircraft Rentals

⚠ Aircraft operations carry elevated risk and are subject to strict federal regulation.

1. Insurance Requirements

Aircraft rentals require:

  • Verification of pilot certification
  • Proof of currency
  • FAA compliance
  • Approval under the aircraft’s insurance policy

2. Liability Coverage

Aircraft may carry:

  • Hull insurance (physical aircraft damage)
  • Aviation liability insurance

However:

The renter pilot may be required to:

  • Carry non-owned aircraft insurance
  • Be specifically named or approved under the policy

3. Deductibles

Aircraft policies may include substantial deductibles. The renter may be responsible for:

  • Deductible amounts
  • Uncovered damage
  • Policy exclusions

4. Exclusions

Coverage may be void if:

  • Pilot operates outside certification
  • Weather minimums are violated
  • Aircraft is used for unauthorized commercial activity
  • Weight & balance limits are exceeded

3. Optional Protection Products

RentMV may offer optional protection products, including:

  • Collision Damage Waiver (CDW)
  • Loss Damage Waiver (LDW)
  • Trip insurance
  • Supplemental liability protection

These products may reduce, but not eliminate, renter responsibility.

Details will be provided at booking.

4. Security Deposits

Security deposits may be required and may be used to cover:

  • Deductibles
  • Damage
  • Late returns
  • Cleaning fees
  • Fuel replacement

5. Claims Process

In the event of an accident or damage:

  1. Notify RentMV immediately.
  2. Contact emergency services if necessary.
  3. Complete required incident reports.
  4. Provide photographs and documentation.

Failure to report promptly may affect coverage.

6. No Guarantee of Coverage

RentMV does not guarantee that any particular loss will be covered under insurance.

All claims are subject to:

  • Insurance carrier approval
  • Investigation
  • Policy exclusions

7. Renter Acknowledgment

By booking a rental through RentMV.com, you acknowledge that:

  • You understand insurance coverage may be limited.
  • You may be financially responsible for damages.
  • You have been given the opportunity to obtain additional coverage.

8. Governing Law

This Insurance Policy is governed by the laws of the Commonwealth of Massachusetts.

9. Contact Information

RentMV

Oak Bluffs, Massachusetts

Email: support@rentmv.com

Phone: +1 (833) RENTMV-1