Flexible Coverage for Every Kind of Adventure
COLLISION DAMAGE WAIVER (CDW)
Protects renters from full financial responsibility for damage to the campervan during a reservation. Coverage details vary by package and are outlined below.
THIRD PARTY LIABILITY
Covers costs associated with damage to other vehicles or property, or injuries to other people, in the event of an accident during a reservation.
Options range from state-minimum protection to a premium package that provides up to $1 million in coverage.
CANCELLATION PROTECTION
Provides added flexibility if your plans change. This optional add-on allows you to cancel within our 45-day window and receive a partial refund—helping you book with confidence, even when plans are still coming together.
If you choose not to purchase coverage through Moterra, you’re accepting full financial responsibility for any damage to or loss of the vehicle during your rental.
Please note that because our vans are classified as Class B RVs and have a high replacement value, many personal auto policies do not automatically extend coverage to them. That’s why we require proof of adequate coverage ahead of your departure to ensure a smooth and worry-free experience for both you and us.
To simplify the process, we’ve created a short form you can email to your provider or use as guidance when calling.
What is a Collision Damage Waiver?
A Collision Damage Waiver (CDW) provides coverage for damage to the vehicle, protects your personal auto policy, and offers peace of mind. It’s not insurance—instead, it’s a contract directly with Moterra. As long as the van is operated in accordance with the rental agreement, the CDW limits your financial responsibility for collision-related damage to the amount of the selected package’s deductible.
Because we know that damage isn’t limited to collisions, we offer two tiers of coverage that also include protection for the most common on-trip incidents.
And of course, every rental includes FREE unlimited drivers and access to our legendary 24/7 on-trip customer service.
Note: The Collision Damage Waiver is not legally required to drive, but is required if you do not provide proof of alternate collision coverage.
What does a Collision Damage Waiver not cover?
Damage that occurs while violating the Rental Agreement—including improper use, off-road driving, or driving while intoxicated—will void this coverage. CDW does not cover vandalism, third-party liability, or personal belongings.
Damage caused by negligence—including, but not limited to, improper use of pop-top mechanisms, using improper fuel, accidents involving drive-throughs, and damage from low-clearance parking garages—is also excluded.
Unlimited Drivers
All licensed drivers over the age of 25 who are listed on your rental agreement are included at no additional charge. No driver cap.
24/7 On-trip Support
Out on the open road, anything can happen, which is why our incredible Customer Service Team is on call around the clock every day to keep your journey running smoothly. Whether you’re chasing sunsets or stuck in a storm, we’re just a call or text away.
Collision Damage Coverage
Covers physical damage to the campervan resulting from a collision. This includes repairs to the exterior body, bumpers, and mirrors.
Weather Protection
Covers non-preventable damage due to severe weather events, such as hail, falling branches, or flooding. Damage must result from an uncontrollable event and not be due to misuse or negligence.
Windshield Chip Protection
Covers repair of small windshield chips or cracks (up to 2 cm) that do not require full replacement. Prompt reporting is required to prevent further spreading, or additional charges may apply. Moterra will waive the deductible for chip protection.
Full Windshield Protection
Covers both minor repairs and full windshield replacements due to accidental damage. Damage resulting from neglect or failure to report chips before they expand is not covered. Moterra will waive the deductible for full windshield protection.
Breakdown Protection
If your vehicle experiences a mechanical failure, our team will coordinate support as soon as possible.
Tire Protection
Covers accidental tire damage from road debris or blowouts. Damage due to off-road driving, racing, or reckless use is excluded.
Interior Protection
Covers accidental damage to interior fixtures, upholstery, or cabinetry. Does not cover smoking-related damage, purposeful vandalism, or damage due to improper use (i.e. bent pop top bars).
Theft Protection
Covers break-in-related vehicle damage and theft of the vehicle itself. A police report is required to activate coverage. Loss or theft of personal belongings is not covered.
Third Party Liability Coverage Options
You are legally required to have Liability Coverage up to state minimums in order to drive. You may be covered already, under your personal auto policy, credit card, or other travel insurance policy. Neither Moterra Campervans nor Moterra employees are qualified to evaluate the adequacy of your existing insurance coverage- this is up to you.
Moterra offers two types of third-party liability coverage: Easy Ride, which provides coverage up to the state-required minimums, and Worry-Free Wheels, which extends liability protection up to $1 million in total coverage.
Easy Ride (Basic Coverage): State minimum liability insurance.
Also known as Renters Contingency Insurance, this insurance covers you up to the legal state minimum liability amount, as seen below. The numbers below indicate coverage limits for: bodily injury liability per-person/bodily injury liability per-accident/property damage liability per-accident coverage. The deductible is $1000.
Worry Free Wheels (Premium Coverage): Liability Coverage up to $1 Million
This premium package includes two separate insurance policies: Renter’s Contingent Liability Insurance (RCLI), which provides coverage up to state minimums, and Supplemental Liability Insurance (SLI), which extends protection up to $1,000,000 in total liability coverage.
Deductible: $500 for RCLI, $0 for SLI
If you carry other insurance—such as personal auto or travel insurance—it will be considered secondary to the RCLI policy. The SLI policy provides excess coverage beyond both the RCLI and any other applicable insurance.
$89 flat fee
