Add a Roam vehicle to your insurance policy and save $100/month
Step by Step Guide
Who is eligible ?
Any Roam vehicle can be added to your personal insurance policy, as long as the policy is active. Adding a temporary to your policy is known as 'Scheduled Auto', and its quite common to do, even for a car that you don't own! A vehicle covered under a 'Scheduled Auto' policy extends the coverage of your personal automotive policy to your Roam vehicle.
This is recommended if you plan on using the vehicle for multiple months and want to lower your deductible, reduce the cost of Roam's insurance by $100, or have been denied coverage by Roam's fleet policy.
To add this coverage, you must call your insurance provider and ask for the vehicle to be added to your insurance policy.
Tip: The average cost to add a vehicle to an existing personal auto policy is ~ $150. The good news is that it can be cancelled any time without penalty, so its perfect for monthly or usage less than a year.
Minimum Insurance Requirements
Your personal auto policy must have a minimum liability coverage of $1,000,000. Your deductible can be any amount, depending on your preference.
When adding the Roam vehicle to your policy, you must also have Roam listed as an 'Additional Named Insured'.
How To Bring Your Own Insurance
Interested in bringing your own insurance to a subscription? Confirm eligibility above, and book a call here with a Roam Subscription Success Manager to get started.
Step 1: Call your Insurance Provider
Call your insurance provider and ask for the vehicle to be added to your insurance policy. Roam will provide you the Year, Make, Model, & Colour of the vehicle.
Hi <Broker>,
I would like to add a vehicle to my insurance policy as a 'scheduled auto'.
It is a YEAR MAKE MODEL, COLOUR.
This is the VIN.
I would also like to add Curbo Inc as an 'Additional Named Insured".
Here are their details.
CURBO INC. o/a ROAM
18 KING ST. EAST, UNIT 1400
TORONTO, ON M5C 1C4
- Third-Party Liability Coverage: Minimum $1,000,000.
- Direct Compensation Property Damage (DCPD).
- Uninsured Automobile Coverage.
- Standard Accident Benefits.
- Family Protection Coverage (OPCF 44).
- All Perils Coverage: Comprehensive and Collision combined.
- Loss of Use (OPCF 20).
- Limited Waiver of Depreciation (OPCF 43).
- Permission to Rent or Lease (OPCF 5).
- Roam as a Named Insured: Roam must be listed as a named insured on the insurance pink card.
Thanks.
Your broker will provide you an insurance quote to have the vehicle added to your policy. The policy can be created and bound the same day.
Tip: If you are adding the vehicle to an existing policy, you can easily remove it once you return your Roam vehicle, with no penalty. Any vehicle added to your policy as scheduled auto is only billed 'month to month' by your insurance provider.
There is no stress about early cancellations or long term commitments!
Step 2: Email your new Certificate of Insurance (COI) to Roam
When your policy has been updated and the vehicle has been added, please email your updated policy and COI to support@roam.auto.
Step 3: Processing & Updating Your Coverage
Your Subscription Success Manager will review your COI to process your new coverage. Once eligible coverage is confirmed, you will be sent an updated agreement, and your insurance discount will be added! It's that simple!
Interested in converting a subscription? Confirm eligibility below, and book a call here with a Roam Subscription Success Manager to get started.
Insurance Table Comparison
There are 3 different types of insurance scenarios for all of Roam vehicles and subscription plans.
| Account Insurance Type | Requirements | Limits |
| Roam Auto Insurance |
|
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| Business Account Insurance |
Company COI that shows coverage for
|
|
| Bring Your Own Coverage |
You must have an active insurance policy and you can add a Roam vehicle as a 'Scheduled Auto'. Your policy must
|
None |
All Roam vehicles and subscription plans come default with our comprehensive auto insurance policy. This is the simplest way to get your drivers or company employees on the road with near zero administration. Roam's auto policy is $200 per vehicle, and covers $2,000,000 of liability, collision, and comprehensive coverage.
Additional Insurance Coverage & Hybrid Options
All subscriptions are eligible for additional incident insurance coverage through RoamCare. This provides coverage for incidentals and damage relating to:
- Interior damage or stains
- Glass protection for cracks and chips
- Scratch and dent protection
- Tire damage and replacement coverage
- Key loss and replacement coverage
Roam also provides the option for companies to use Roam's insurance to for collision related damage, in the form of a damage collision waiver. This would provide hybrid coverage for damage, while still allowing flexibility to use Roam or your own company's liability coverage.
Interested in bringing your own insurance? Confirm eligibility below, and book a call here with a Roam Subscription Success Manager to get started.