INSURANCE
Drive protected,
always
Every vehicle on Roam comes with verified insurance. Choose the level of coverage that gives you peace of mind — from basic liability to zero-deductible premium protection.
Basic
Minimum required coverage
Included free
✓Third-party liability
✓Property damage coverage
✓Meets local legal requirements
✓Included with every booking
MOST POPULAR
Standard
Most popular with renters
$12/day
✓Everything in Basic
✓Collision damage waiver
✓Theft protection
✓Windshield & tire coverage
✓Reduced deductible ($500)
Premium
Maximum peace of mind
$22/day
✓Everything in Standard
✓Zero deductible
✓Personal accident insurance
✓Personal belongings coverage
✓Trip interruption protection
✓24/7 premium roadside assist
How coverage works
1
Basic is always included
Every host must carry active insurance. This is verified by Roam before their vehicles go live. You're covered from the moment your trip starts.
2
Upgrade at booking
When you book, you can add Standard or Premium coverage. The cost is added to your trip total and clearly shown before you confirm.
3
Claims made easy
If something goes wrong, report it through the app. We handle the claims process with the insurer so you can focus on your trip.
Insurance FAQ
Is insurance mandatory on Roam?
Yes. Every vehicle listed on Roam must carry active third-party insurance at minimum. This is verified before a host can accept bookings.
Who provides the insurance?
Basic coverage is provided by the host's existing vehicle insurance policy. Standard and Premium tiers are underwritten by our regional insurance partners across the Caribbean.
What happens if there's an accident?
Contact Roam support immediately through the app. We'll guide you through the claims process, coordinate with the insurance provider, and arrange a replacement vehicle if available.
Can I use my own travel insurance?
You can use your own travel or credit card insurance if it covers rental vehicles in the Caribbean. Basic third-party coverage is still included regardless.
What's not covered?
Standard exclusions apply: driving under the influence, unauthorized drivers, off-road use, and damage from racing or reckless driving. Full terms are provided before booking.