AI Overhauls Insurance for RVs, Boats, and Motorcycles

VIRGINIA BEACH, Va. and AUSTIN, Texas – March 03, 2026 – The process of buying a recreational vehicle is being fundamentally reshaped by artificial intelligence. Trader Interactive, a giant in the lifestyle vehicle marketplace, today announced an exclusive partnership with insurtech innovator Roamly. The deal will embed Roamly's AI-powered insurance platform directly into Trader Interactive's flagship sites—RV Trader, Cycle Trader, and Boatmart—streamlining a notoriously fragmented part of the vehicle purchasing journey.

Through a phased rollout, millions of consumers browsing for RVs, motorcycles, and boats will now be able to receive an insurance quote in real-time without ever leaving the marketplace website. This collaboration represents one of the first large-scale applications of sophisticated Agentic AI within the recreational vehicle sector, moving the industry from a clunky, multi-step process to a single, integrated digital experience.

From Fragmented Process to AI-Powered Simplicity

For decades, securing insurance for a recreational vehicle has been an afterthought in the buying process, a friction-filled step that often introduced frustrating delays. Buyers would find their dream vehicle, only to be sent on a separate, time-consuming quest for coverage, involving phone calls, multiple forms, and a disconnect from the excitement of the purchase.

This new partnership aims to eliminate that friction entirely. By leveraging what is known as 'Agentic AI,' the system goes beyond simple data analysis. Agentic AI refers to intelligent systems capable of taking autonomous action to achieve a goal. In this context, Roamly's platform can collect user data, assess risk, generate a precise quote, and bind a policy, all within the existing marketplace environment. It acts as a digital agent, completing the insurance task from start to finish.

"We are using AI and technology to remove the typical friction traditional insurance has created," said Brad Simmons, General Manager at Roamly. "By the time a customer has completed their research and is ready to buy, they are now just one click away from being fully insured and ready to drive off the lot."

This seamless integration is designed to build confidence for both buyers and sellers, ensuring that the final, critical step of securing protection is no longer a barrier to closing a deal.

A Strategic Leap Towards an Ownership Ecosystem

For Trader Interactive, this partnership is far more than a simple feature enhancement; it represents a significant strategic pivot. The company is actively evolving from a digital classifieds hub into a comprehensive 'ownership ecosystem.' This move signals a broader ambition to support enthusiasts throughout the entire lifecycle of their vehicle, not just during the initial discovery phase.

"At Trader Interactive, we're focused on supporting enthusiasts not just in finding their next vehicle, but in confidently owning and enjoying it long after the purchase," noted Jake Barron, VP of Consumer Revenue at Trader Interactive. He explained that integrating Roamly's experience directly into their marketplaces creates a more connected ecosystem that unifies discovery, protection, and long-term support.

This strategy of embedding financial services is a powerful way to diversify revenue, increase customer loyalty, and create a significant competitive advantage. With an estimated annual revenue of over $100 million and substantial financial backing, Trader Interactive is well-positioned to invest in such long-term strategic initiatives that differentiate it from a crowded field of competitors. By solving a major pain point, the company makes its platforms stickier and more valuable, strengthening its market-leading position.

Unlocking the Sharing Economy for Vehicle Owners

Perhaps the most transformative aspect of the partnership lies in the nature of Roamly's insurance products. A major barrier for RV, boat, and motorcycle owners who wish to monetize their assets has been the 'commercial use exclusion' clause found in most standard insurance policies. This clause typically voids coverage if the vehicle is rented out, effectively preventing participation in the burgeoning peer-to-peer rental market.

Roamly, which was created by the RV rental marketplace Outdoorsy, was founded specifically to solve this problem. Its policies are designed from the ground up to be rental-friendly, providing full coverage even when the vehicle is being used for peer-to-peer rentals. This feature transforms a lifestyle vehicle from a depreciating asset that sits idle most of the year into a potential source of income.

By integrating this specialized insurance, Trader Interactive is not only simplifying the purchase but also unlocking new economic potential for its users. Buyers can now purchase a vehicle with the confidence that they have a clear, insurance-compliant path to offsetting the costs of ownership through rentals. This directly supports the growth of the sharing economy within the lifestyle vehicle niche, a trend that empowers owners and provides more options for renters.

The Insurtech Engine Driving the Change

At the heart of this innovation is Roamly's technology-first approach to a legacy industry. Since its founding in 2019, Roamly has focused on leveraging AI, automation, and embedded distribution to create specialized insurance solutions. The company's rapid growth, booking over $40 million in premiums in a 12-month period leading into 2022, highlights the market's appetite for its modern approach.

As a Lloyd's Coverholder with partnerships with major carriers like Progressive and Safeco, Roamly combines the agility of a tech startup with the credibility of established insurance giants. Its platform's ability to automate underwriting and claims processing allows it to offer tailored products that legacy systems struggle to support.

This exclusive integration with Trader Interactive's massive user base marks a major milestone for Roamly, validating its embedded insurance model on a grand scale. As the technology rolls out across RV Trader, Cycle Trader, and Boatmart, it will serve as a powerful case study for the future of insurtech, demonstrating how AI can create a win-win-win scenario for marketplaces, consumers, and the insurers themselves. The partnership effectively sets a new industry standard, where the path to ownership is not only simpler and faster but also more economically empowering for the modern enthusiast.