Protection plans – In detail | Canada hosts
Summary of Canadian Host protection plans
- Hosts can choose one of two Vehicle protection plans: 75 plan or 85 plan.
- Both plans provide $2,000,000 in third-party liability insurance offered by Economical Insurance Company or Insurance Corporation of British Columbia (ICBC) as well as physical damage protection.
- To qualify for eligible Physical Damage reimbursement, Resortifi needs clear photo documentation of the areas for which the Host is seeking reimbursement.
- Photos must be submitted to Resortifi within 24 hours of the start and end of the trip.
- If damage can’t be fully demonstrated by such photo evidence, Resortifi may consider other evidence (e.g. a police report, third-party report) that’s necessary to confirm the damage took place during the Reservation Period.
| Plan | 75 plan | 85 plan |
|---|---|---|
| Host take | 75% of the trip price | 85% of the trip price |
| Deductible (per claim of physical damage to your car) | None | $2,000 |
| Third-party liability insurance | $2,000,000 | $2,000,000 |
| Replacement Vehicle Reimbursement | Up to $500 | Not included |
Detailed terms and conditions
So long as a Host is in compliance with the Terms of Service the following applies:
Liability Insurance
Hosts in Ontario, Quebec, Alberta, Nova Scotia, Prince Edward Island, New Brunswick, and Newfoundland and Labrador have access to third-party liability coverage of up to $2,000,000 through Economical Insurance Company. This coverage is active during the Reservation Period and Delivery Periods. Hosts in British Columbia have access to third-party liability coverage of up to $2,000,000 through ICBC. This coverage is active during the Reservation Period. Hosts in British Columbia have no third-party liability coverage during the Delivery Period under the policy issued to Resortifi by ICBC.
Physical Damage
Physical Damage protection applies to your Vehicle in the event of a collision and comprehensive events during the trip and is subject to terms, limitations, and exclusions. In the provinces of Ontario, Quebec, Alberta, Nova Scotia, Prince Edward Island, New Brunswick, and Newfoundland and Labrador.
Resortifi will protect your Vehicle against Physical Damage up to the actual cash value of the Vehicle, up to a limit of $150,000 for any qualifying event during the Delivery Period and Reservation Period.
In the province of British Columbia, Resortifi will protect your Vehicle against Physical Damage up to the actual cash value of the car, up to a limit of $150,000 for any qualifying event during the Reservation Period only.
Deductible
- 75 plan: no Deductible
- 85 plan: maximum $2,000 Deductible
Diminished value. If your Vehicle is damaged (not totaled) and repaired, you’re not protected for any diminution in the value of your car.
Exterior Wear and Tear. Resortifi is not responsible for reimbursing any Exterior Wear and Tear costs.
Loss of Hosting Income. Resortifi is not responsible for reimbursing any Loss of Hosting Income.
Replacement Vehicle Reimbursement
- 75 plan: Hosts are eligible for up to $500 in documented Replacement Vehicle Reimbursement costs. Learn more about Replacement Vehicle Reimbursement.
- 85 plan: Not included
Protection. If your car is eligible for physical damage protection, Resortifi, Economical Insurance, or ICBC will pay for the lesser of the cost of repair up to the actual cash value of the Vehicle or the limits outlined above, subject to the applicable insurance policy and the Resortifi terms of service. However, there is no reimbursement for any potential reduction in value resulting from damage related to a trip.
Quality of repairs. Unless you select a Resortifi-trusted network of repair shops, there’s no guarantee, expressed or implied, for the quality of repairs you obtain. You’ll learn whether a Resortifi-trusted network is an available option during the claims process. If a shop that isn’t part of the network repairs the eligible damage and the repairs turn out to be of low quality, neither Resortifi nor insurers will reimburse you for repeat repairs.
General definitions
- Delivery Period: Is the period that begins when the Host or designee, who is a Resortifi-approved driver, departs to actively deliver the Vehicle to the delivery address and ends when the Vehicle arrives at the delivery address. The Delivery Period shall not exceed two hours unless circumstances outside the Host’s control arise to impede delivery, in which case, the Delivery Period shall not exceed 24 hours.
- Deterioration: any fading, discoloration, rust, or wear caused to the interior or exterior of the Vehicle over time. Also includes any deterioration from road use of tires, and mechanical deterioration of belts, suspension, electrical and mechanical components, along with any resulting damage from these events.
- Exterior Wear and Tear: any dings, dents, cracks, or scratches to the exterior body of the Vehicle that are 3 inches or less in diameter. This includes, but isn’t limited to, rims, wheels, hubcaps, any painted or textured area for the body of the Vehicle, and moldings.
- Guest: the primary name listed in the reservation. We also use it to refer to any Resortifi approved additional drivers listed on the reservation.
- Host: The person(s) or entity that lists a Vehicle on Resortifi, including but not limited to the Vehicle owner(s) and persons or entities authorized by the Vehicle’s owner(s) to list the Vehicle on Resortifi.
- Interior Wear and Tear: minor scuffing of a Vehicle’s interior surfaces that is 3 inches or less in diameter, along with any dials, switches, or knobs, that break or fail over time. Interior damage that’s clearly due to abuse or misuse by the Guest isn’t included in this definition.
- Loss of Hosting Income: possible earnings a Host might have lost due to protected damage to the Vehicle.
- Mechanical Failure: any mechanical, electrical, suspension, engine, or transmission damage a Vehicle incurs due to age, normal usage/wear and tear, defect, a lack of maintenance, or warranty issue (including, but not limited to manufacturer defect), along with any resulting damage or resulting fire that arises due to those causes, but excluding any mechanical damage caused by the Guest’s negligence or intentional misuse. Clutch damage is handled separately.
- Physical Damage: actual tangible damage to the Vehicle, other than Excluded Damage, that occurs during the Delivery Period or Reservation Period as a result of a Collision or a Comprehensive loss. Note: The Host is required to demonstrate that any damage to the reserved Vehicle meets the definition of Physical Damage by providing the proof outlined below.
- Collision means when the Vehicle collides with another vehicle or an object.
- Comprehensive: other property damage to the car that isn’t a Collision – fire; theft or attempted theft; lightning; windstorm; hail or rising water; earthquake; explosion; falling or flying objects, missiles or vandalism.
- Excluded Damage:
- Damage existing as of the start of the Reservation Period;
- Damage that occurs during or after any period in which the Host is in violation of the Terms of Service;
- Damage to any personal items left in the Vehicle;
- Damage to, or resulting from, tires that are defective, have excessive wear & tear or dry rot, have tread depth less than 4/32 inch, were not properly inflated prior to the reservation, or are 6 or more years old
- Exterior Wear and Tear;
- Interior Wear and Tear;
- Mechanical Failures;
- Physical Damage to the Vehicle that occurs during the Reservation Period while it is in the Host’s control;
- Scrapes, scratches, dings regardless of size, to the underside of bumpers, air deflectors and underbody panels.
- Replacement Vehicle Reimbursement: reimburses Hosts for costs incurred by booking alternate transportation while the Vehicle is being repaired due to eligible damage that occurred during the Reservation Period while the Vehicle is in the Guest’s custody or control.
- Reservation Period: The period agreed to by the Host and Primary Guest during which the Guest is to have possession of the Vehicle. A more detailed definition of Reservation Period may vary depending on the insurer. Please refer to the Economical Insurance Company and ICBC insurance policies for more information.
- Vehicle: the vehicle booked during the applicable reservation.
Protection Requirements and Process
- Proof of Physical Damage:
- For Hosts to qualify for Physical Damage protection, and for the Primary Guest to be held responsible for the damage, Resortifi must have the following documentation:
- (1) clear photo documentation from the Host of the areas of the Vehicle the Host is seeking protection against taken within 24 hours of the start and end of the trip that demonstrates that the damage occurred during the trip; or
- (2) other evidence (e.g. a police report, third party report) that demonstrates the damage took place during the trip; or
- (3) if all of the following three conditions are true: (a) Guest used Resortifi Go to lock and unlock the car; and (b) the Host or the Host’s designee was not physically present at the start of the reservation; and (c) the Guest did not take front, back, side, and other applicable photos of the Vehicle at the time of car pick-up. If 3a - 3c are all met, then clear photo documentation of the area the Host is seeking protection for taken within 24 hours of the end of trip by the Host, along with the Host’s credible representation that the damage took place during the trip, may be sufficient documentation to qualify for Physical Damage protection.
- For Hosts to qualify for Physical Damage protection, and for the Primary Guest to be held responsible for the damage, Resortifi must have the following documentation:
- Proof of cost for Replacement Vehicle Reimbursement
- For Hosts to qualify for Replacement Vehicle Reimbursement, Resortifi must have clear, dated receipts of the costs incurred.
- Replacement Vehicle Reimbursement is paid directly to the Host.
The allocation of responsibility between Resortifi and the Host isn’t impacted or altered in any manner by any amount that Resortifi can or does collect from the Primary Guest or from a third-party on account of the Physical Damage. The Host’s plan is unrelated to the level of responsibility retained by the Primary Guest under whichever Guest protection plan is chosen by the Primary Guest.