Knowledgebase

Insurance, Maintenance, and Coverage

Everything you need to know about your coverage while being a Roam member


Your Comprehensive Insurance


Your Roam car subscription comes with comprehensive auto insurance included. Here’s what you need to know about the insurance policy on your car:


  • All perils coverage - covers you for collisions, vehicle theft, and major damage to your vehicle
  • Policy maximum - total combined limited liability of $2,000,000
  • $2,500 deductible cost: for vehicles under $50,000
  • $5,000 deductible cost: for vehicles over $50,000
  • Coverage begins on the date you begin your subscription


What Roam Routine Maintenance Covers


Your Roam car subscription comes with routine maintenance included.


We take care of the following:

  • Routine vehicle inspections
  • Oil changes
  • Break replacements
  • Minor scratches due to normal wear and tear
  • Unexpected mechanical failures such as malfunctioning breaks, lights, power windows, or other electrical systems

What we don’t cover

  • Flat tires and rim damage
  • Windshield cracks and chips
  • Interior damage such as rips in fabrics or scratches on leather, stains, strong 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 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, small scratches less than 2 inches are considered normal wear and tear. However, 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, let us know of any damages as soon as possible.


Can I opt out of Roam’s Insurance?


Our insurance is a blanket policy that covers all vehicles so we cannot remove individual vehicles. Your subscription is required to have out insurance.


I have credit card insurance? Am I covered?


You are required to pay the minimum deductible if you are involved in any major 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.


Your credit card will only cover a limited amount of days and your subscription length can exceed that, be advised that your credit card insurance may not be valid during the time of your claim.


We handle the repairs


In the event there is major damage to your vehicle, we will work with our service partners to get the repairs done and get you back in your vehicle as quickly as possible.

Damages and Costs


Roam offers your standard deductible along with the option for RoamCare to help when the unexpected happens.


Damages that cost less than the deductible of your vehicle are under the responsibility of the driver.


If your total cost for the damage is greater or equal to the deductible amount then you will only be responsible to pay for the deductible.


Roam’s transparent, profit-free damage pricing process

In the event that your vehicle has been damaged, we will provide you a competitive price to have the damages repaired. To provide you with the best price possible, we have made it a policy to not profit from the repair work.

Since the cost is passed onto you, rest assured you’ll be quoted appropriately.


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