🚗 Roam Microlease Quickstart Guide

🆕 Roam Microleases are now available to save you more money on a 6 or 12 month plan! Here is a breakdown on everything you need to know.

Roam subscriptions are now new and improved and we're calling them 'Microleases' for businesses. They're a flexible, maintenance-included 6 or 12-month vehicle lease alternative designed for ease and flexibility.

They don't require loans or financing, and are payable by credit card. This guide walks you through how to get started.

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🛑 Before You Start: Credit & Eligibility

All Roam subscriptions are subject to:

• A soft credit check (no impact on your credit score)

• A minimum credit score of 550 to qualify

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✅ What’s Included

• 12-month vehicle subscription on a like-new vehicle.

• Maintenance included

• No financing — pay monthly by credit card

• Vehicle plated to you (the customer)

• You procure your own insurance and pay licensing/registration fees

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📝 Step-by-Step Setup

1. Choose Your Vehicle

Select a vehicle from Roam’s available inventory. Once confirmed, Roam will:

• Provide the VIN

• Guide you through payment, registration, and insurance steps

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2. Submit Information for Vehicle Registration

Roam will coordinate the registration process and plate the vehicle to you.

📄 Required Information:

To plate the vehicle, you’ll need to submit:

• Full legal name (individual or company)

• Driver’s licence or corporate ID number

• Date of birth (if individual)

• Proof of address (e.g., utility bill, government document)

• Signed lease/subscription agreement

• Insurance policy details (see below)

You will be responsible for paying the $250 licensing and registration fee. This includes safety and administrative costs to register the new license plates. Roam will assist in issuing the plate in your name. 

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3. Set Up Monthly Payments

• Subscription payments are made monthly by credit card

• No loans or financing involved

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4. Secure Insurance Coverage

You must arrange your own insurance before vehicle delivery.

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🔐 Insurance Requirements (All Customers)

Minimum Coverage: Ontario law mandates that all commercial vehicles carry the following minimum insurance coverages:

• $2,000,000 third-party liability

• Collision and comprehensive coverage for the full value of the vehicle

• Accident Benefits: Provides compensation for medical expenses and income replacement, regardless of fault .
• Direct Compensation–Property Damage (DCPD): Covers damage to your vehicle and its contents when another driver is at fault, provided the accident occurs in Ontario and the other driver is insured .
• Uninsured Automobile Coverage: Protects you if you're involved in an accident with an uninsured or unidentified driver 

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🚙 For Personal Use:

Options:

• Purchase a new 12-month personal auto policy using the VIN

• OR add the VIN to your existing personal policy

Ensure your insurer includes:

• $2M liability

• Collision & comprehensive

• Roam as Additional Interest (recommended)

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🏢 For Business Use (Commercial Insurance):

Speak with your commercial insurance broker. Provide:

• The VIN

• The fact that the vehicle is on a 6 or 12-month 'microlease'

• The vehicle is not owned or financed

• Consider adding the vehicle as a Hired Auto, since the business does not own it but is leasing it for operational use

Required Documentation:

• Proof of $2M liability coverage

• Collision and comprehensive coverage

• VIN listed on the policy

• Roam added as Additional Named Insured or Additional Interest

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➕ Add Roam as Additional Interest

Legal Name:
CURBO INC. o/a ROAM
Address:
18 KING ST. EAST, UNIT 1400
TORONTO, ON M5C 1C4

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✅ Insurance Checklist

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🚚 Final Step: Delivery or Pickup

Once all documents are reviewed and approved:

• Roam will coordinate your vehicle handoff

• You’re ready to drive — with no long-term debt or ownership hassle

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📩 Questions?

Need help with insurance, registration, or selecting a vehicle?
📧 Reach us at support@roamauto.ca or contact your Roam representative.