Insurance Previous to June, 2023
INSURANCE COVERAGE
Karma Campervans Insurance, Mechanical Failure And Roadside Assistance Overview
Your safety, the safety of our property and the safety of others is a priority for us at Karma Campervans. And in keeping with the Karma Campervans way, we’ve tried to make insurance as simple as possible for our Guests.
Karma Campervans Insurance Overview
(Before June 2023)
- Insurance is not included with your base campervan rental fee.
- You will need to have either your own personal vehicle insurance that covers “cargo van rentals” or "camperized van rentals" or "Commercial Vehicles under 4500 kgs" or "Commercial vehicles over $90,000" or other supplemental insurance coverage such as travel insurance, or upgrade to include our insurance add on in order to rent with us.
- Karma Campervans is not responsible for acknowledging Renter’s acceptable personal vehicle insurance policy. We suggest you have a high level understanding of your coverage.
- For your convenience, Karma Campervans offers four insurance add on levels for our Guests: “Zero,” “Karma,” “Good Karma,” and “Good Karma Plus Glass.”
- If you do not select one of our insurance add on options, you have elected to select “Zero” insurance protection and will be 100% responsible for damage should anything occur. Karma Campervans has the right to charge your credit card on file for any damage-related costs.
- If renter has selected “Zero” insurance coverage, the Renter agrees to immediately pay for all damages to campervan should they occur. Karma will issue an invoice to the Renter that they can then present to their insurance company for reimbursement.
- If you do not select one of our insurance add on options or have selected “Zero” insurance coverage through Karma Campervans, your security deposit is set to $5,000.
- Renter is responsible for 100% of damage to the campervan if anything should occur during the rental and as set out in our Rental Agreement.
- Should any damage to the campervan occur during your rental, Renter is responsible for up to $10,000 in damages per occurrence as set out in our protection packages below.
- Zero, Karma and Good Karma insurance does not protect against windshield chip or replacement cost. *See below for definition of a non-repairable/non-fillable windshield chip. Windshield replacements vary in cost depending on the model year of vehicle and rage from $450 - $850 + tax.
- Renter agrees to pay the uninsured portion of the claim (deductible) plus applicable taxes direct to Karma Campervans immediately upon completion of rental.
- These terms are subject to change. Please check back for updates.
Karma Campervans cares for our Guests and highly recommends insurance coverage of some kind for your rental.
Karma Campervans Insurance Protection Packages
| Insurance Add On | Coverage | Cost (CAD) |
|---|---|---|
| Zero | Does not cover for any damage to campervan. No 3rd party liability. Renter pays 100% damage costs. Must provide clear proof of insurance coverage. Security deposit is set at $5,000. | $0 |
| Karma | Includes collision and comprehensive coverage to campervan and $2 million in 3rd party liability. Deductible is set at $10,000. Security deposit is set at $1,000. | $19/night |
| Good Karma | Includes collision and comprehensive coverage to campervan and $2 million in 3rd party liability. Deductible is lowered to $7,500. Security deposit is set at $1,000. | $29/night |
| Good Karma Plus Glass | Includes collision and comprehensive coverage to campervan and $2 million in 3rd party liability. Deductible is lowered to $7,500. Includes windshield replacement cost due to rock chip or crack (*See definitions below). Other glass/window damages are excluded. Security deposit is set at $1,000. | $39/night |
- Terms and Definitions:
Collision — pays for the cost of repairing or replacing the vehicle up to the actual cash value if it collides with another vehicle, the ground or other object.
Comprehensive — pays for the cost of repairing or replacing the vehicle up to the actual cash value if damage is caused by other unexpected situations like flying objects, vandalism, fire or theft.
3rd Party Liability — if you cause damage to someone else’s property, injure, maim or kill someone.
Non-Repairable/Non-Fillable Rock Chip Causing Windshield Replacement — A windshield chip that a) doesn’t have a pit to fill, is larger than 1 cm, is a “bullseye,” has spidering, is in the driver’s field of view, or any chip style within the black border or approximately 2.5 cm away from edge of black border.
- What is NOT covered under any of these insurance plans?
- Damage to roof because of making contact with objects that are too low to travel under.
- Any interior or exterior damage or injury caused by travelling on unmaintained roads or “off-road.”
- Accommodations or transportation due to breakdowns, mechanical failure or accident.
- Damage or injury if operating the vehicle while impaired or while breaking the law.
- Any damage caused to windows (*excluding front windshield if Good Karma Plus Glass is purchased) or glass.
- Breakdowns
In the event of a breakdown not caused by the renter (mechanical or internal malfunction), we will do our best to get you back on your journey as quickly as possible. Karma is not responsible for providing accommodation upon breakdown, however Karma will reimburse Renter for the loss of use within the Rental Term for each 24 hour period the Renter does not have use of the Rental at the daily rate amount paid under the Rental Agreement.
- Mechanical Failure and Roadside Assistance
All rentals come with roadside assistance either provided by Ford for vehicles under 100,000 kms or another third party service. In the event the campervan breaks down due to a mechanical failure, please contact Karma Campervans and Ford Roadside Assistance.
Ford Roadside Assistance contact information: 1-800-665-2006
You can use Roadside Assistance if:
- You need to be towed
- You are locked out of your vehicle
- You run out of fuel
- You have a flat or damaged tire
- You need a boost
You will not be able to use Roadside Assistance if an internal part of the camper component is malfunctioning such as the heater, cabinets, or electrical component.
- Security Deposit
A security deposit of $1,000 (or $5,000 is renter has own insurance coverage or selected “Zero” insurance coverage) is due the day prior to picking up the vehicle, which will be returned to you within seven days after your rental is over and once the vehicle has been checked-in by a Karma Campervans employee and no deficiencies are found.
- Contact
For questions or concerns related to insurance or roadside assistance, please contact the Karma team.
Let Karma Campervans be a part of your next adventure
Choose Karma Campervans for your next Canadian adventure – Pick a route or destination and let Karma’s affordable RV rental options be a part of your journey.
