Everything you need to know about your coverage while being a Roam member
We’ve got you covered.
The standard Roam car subscription comes with comprehensive auto insurance included. Here’s what you need to know about the insurance policy most vehicles:
-
All perils coverage, which covers you for collisions, vehicle theft, and major damage to your vehicle.
-
Policy maximum combined limited liability of $2,000,000.
-
$2,500 deductible for any insurance claim for all vehicles
-
Your insurance coverage begins on the start date of your subscription
I Have Personalized Insurance
Are you on a personalized insurance plan? Not a problem, visit your insurance page here.
What Insurance Does Not Cover
- Tire Replacement and Repair
- Rim damage
- Windshield Replacement and Repair
- Interior damages not considered wear and tear (major interior fabric stains and/or tears, strong/lingering odors from pets or smoking)
- Major at-fault damage including but not limited to submerging the vehicle in water, damaging the engine due to excessive driving without maintenance and/or damage due to neglect
Normal wear and tear
Wear and tear for driving is expected while you have your vehicle. Similar to when you lease a car, minor hair scratches less than 2 inches are considered normal wear and tear. Rips or stained seats, deep scratches, curb rash, paint transfers, and dings or dents larger than 1 inch are not considered normal wear and tear.
Let’s avoid surprises together, report any new damages to the roam team by submitting an incident report form.
Locating your insurance slip
Your insurance slips are located in the glove compartment on the passenger side of your vehicle. In the event that you’re stopped by police, they will likely ask you for your insurance slip. You can also find this in your Roam Dashboard.
How Does the Deductible Work?
In the event of an insurance claim which totals above your deductible (this applies to both $2500 and $5000 deductibles) , you will only be responsible for the amount of the deductible and the remaining amount will be covered by insurance.
I have credit card insurance? Am I covered?
You are required to pay the minimum deductible if you are involved in any accident or have damage outstanding on your vehicle. If you pay your deductible with a credit card that has coverage or reimbursement for insurance payouts relating to vehicle damage, you may raise a claim with your credit card provider after the Roam deductible has been paid. Please refer to your credit card company for details and coverage.
Major accidents
Our insurance provider will be the decision maker in the event of a collision or incident with the vehicle involving multiple parties. The Roam team will do their best to assist with all the other details regarding your subscription such as a vehicle swap, changes to your payment, and anything regarding your experience!