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Discount VR Insurance

DETAILS OF INSURANCE INCLUDED WITH YOUR RENTAL

  • Public liability coverage of $2,000,000
  • Basic franchise of $1,000 for 25 years old drivers ($2500 for drivers aged 21 to 24 years). This amount will be blocked on the credit card of the principal driver when the vehicle is picked up and refunded upon return of the vehicle in the same condition as it was received.
  • Coverage for an accident on public roads (involving 2 vehicles), fire, theft, vandalism, windshield and windows.
  • In the case of trip interruption due to mechanical failure that requires more than 12 hours to repair, only the daily rental rate will be refunded to the guest.

 

URBAN RESTRICTIONS

Parking of your vehicle is prohibited in the greater metropolitan areas of Montreal and Ottawa . This includes all pay parking lots, hotel parking lots, side streets, malls, etc. To travel into these areas, park your vehicle at a campsite and use public transportation, taxi, etc.

In the event of a theft that occurs in the Montreal or Ottawa metropolitan area, the guest is responsible for $7,500.

 

YOUR RESPONSIBILITIES

  • Drive on public roads only; overnight parking in parking lots, on the side of the road or at rest stops is prohibited. Always stop in safe areas and be sure to lock all doors when away from the vehicle.
  • Fire alarm, propane alarm, and carbon monoxide detectors: it is your responsibility to perform test procedures and to repair or replace any device as needed (including battery replacement).
  • The insurance does not cover costs for accommodation, transportation or replacement of vehicle if the vehicle is stolen or should an incident occur that makes the rented vehicle inoperable. In these situations, subject to availability, a replacement vehicle will be provided following the signing of a new rental agreement.

 

DEDUCTIBLE PER ACCIDENT & GUEST'S RESPONSIBILITY

Type of damage to vehicle / trip interruption With basic insurance, $1500 deductible With “$0 Deductible” option
Road accident (involving 2 vehicles), fire, theft, vandalism, windshield and windows. Included in rental rates.
$1000 deductible.
Public liability coverage of $2,000,000.
$0 deductible
Public liability coverage of $2,000,000
Damage occurring off road or in fields, forest roads, parking lots.
Damage occurring while backing up (see note 1).
$1500 deductible. Not covered by the $0 Deductible option. $750 deductible.
Damage caused by striking objects above, beside or underneath the vehicle including damage to wheels and tires and damage to the awning. The guest is fully responsible for all repair costs. The guest is fully responsible for all repair costs.
Trip interruption due to mechanical failure that requires more than 12 hours to repair. Only the daily rental rate will be refunded to the guest. The guest will be refunded the daily rental rate in addition to the following compensation:
$40 per person per day for meals and accommodation.
$40 per day for the group for a replacement vehicle.
Maximum of $2000 per rental.
  • Basic insurance with $1000 deductible per incident is included with the vehicle rental. All Discount motorhomes are protected by public liability coverage of $2,000,000.
    • The basic insurance limits the responsibility of the guest for accidents involving other vehicles. Such accidents always require a police report.
    • Driving Discount motorhomes in places that are subject to certain restrictions, such as weight, length or height restrictions (e.g. car washes, tunnels) is prohibited.
  • The “$0 Deductible” option reduces the deductible from $1000 to $0 per incident for accidents that occur on public roads. Accidents occurring off road are not covered by this option. This option also provides trip interruption protection but does not cover bodily injury.


**Note 1 : accidents caused by driver negligence, such as: backing into a tree, scraping the side of the vehicle against a tree or other object, striking overhanging objects (failure to assess the height), damage to the underbody of the vehicle caused by hitting a rock or other object, etc.

 

EXCLUSIONS

The guest is responsible for loss or damages in the situations detailed below. Additional fees may apply.
  • Accidents that occur off road are not covered by the insurance included with your rental. The guest is fully responsible for all damages.
  • Damage caused by striking objects above, beside or underneath the vehicle including damage to wheels and tires and all damage to the awning. The guest is fully responsible for all repair costs.
  • Damage occurring while backing up (reversing into a tree, scraping the side of the vehicle on a tree or other object, striking an overhanging object (failure to assess the height), damage to the underbody of the vehicle caused by hitting a rock or other object).
  • Damage due to freezing of systems and water pipes.
  • You will be held fully responsible for all damages in the case of negligence on your part. The amount due will be charged to the credit card used at vehicle pickup.
  • Neither Discount VR nor Motorhome Canada will be held responsible for accommodation expenses, car rental or other personal expenses in the case of mechanical failure.
  • Driving Discount motorhomes in places that are subject to certain restrictions, such as weight, length or height restrictions (e.g. car washes, tunnels) is prohibited.
  • Committing Hit and Run: the guest is fully responsible for all costs.

 

PROCEDURES IN CASE OF DAMAGE TO THE VEHICLE

  • For the insurance to apply, any incident and/or accident involving other vehicles or persons requires a police report. Contact the rental company as quickly as possible to explain the situation.
  • In case of damage to the vehicle, the deductible of $1000 or $1500 (depending on the option chosen) will be charged to the guest’s credit card. The claim will then be handled directly by Discount. Expect a delay of up to several weeks before reimbursement for the deductible amount is credited to the guest’s credit card.