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insurance: apollo

As of June 2008 all the Apollo USA motorhome rentals include US$ 1,000,000.00 of liability (i.e. third party) insurance, covering bodily-injury and/or property-damage liability claims brought on by a third party (other than a passenger in the rental vehicle) against the client (i.e. customer, or any other driver listed on the rental contract between client and vendor) as a result of the operation of the rental vehicle. (Prior to June 2008 the Apollo USA rentals include only the statutory minimum legal amounts of such liability insurance. Those minimums vary between state, province and territory.) If you own and operate an automobile, please check with your auto insurance provider to determine the coverage which that insurance extends to you while you are operating a rented recreational vehicle in the United States, Canada, and so forth.

All the Apollo USA motorhome rentals also include collision and comprehensive insurance inhering a deductible (a.k.a. excess; applicable per claim/occurrence not per rental) of US$ 2500. This deductible applies regardless of who is at fault, and it must be paid at the time the accident is reported to Apollo, not upon completion of the rental. Moreover, the deductible applies to the cost of demurrage for the duration the vehicle is unavailable due to repairs after the rental. In connection with the deductible, Apollo will charge a special administration fee of US$ 75 per insurance claim (and similarly per speeding ticket, parking fine, traffic ticket, or toll-road fine).

The term comprehensive above signifies vehicle damage or loss due to vandalism, fire, theft of the vehicle, break-in, and weather. However, in the event of a single vehicle accident (i.e. an accident which occurs when no other motor vehicle is involved, e.g. animal impact, or when the client cannot provide Apollo with the full details of any motor vehicles that were involved) a separate deductible of US$ 1000 applies.

The client is responsible for replacing damaged tires (for example, blowouts, punctures, sidewall damage, tire staking etc) unless caused by normal wear. The US$ 2500 deductible applies.

In the event of an accident or breakdown in a remote area, or any area not permitted under the rental agreement, it will be the client’s full financial liability to pay any salvage, towing and/or recovery costs, perhaps to the nearest Apollo depot.

Of course said insurance coverage is void if the client fails to file a relevant and timely accident/damage police report or fails to inform the Apollo pick-up depot within 24 hours with a full written report or if the client uses the vehicle in violation of the rental contract he/she signs with Apollo. Likewise said coverage is void in connection with the "exclusions" and "further restrictions" noted farther down this page.

Also included by default is 24/7 assistance by way of calling tel. 310 486 4651.

Clients can enhance Apollo's default insurance coverage by purchasing Apollo's damage waiver (alias VIP cover) for US$ 19 per day (maximum US$ 684). That option reduces the US$ 2500 deductible/excess all the way to zero and also has positive effects in terms of the security deposit charged by Apollo USA upon the pick-up occasion: the default security deposit is US$ 2500 actually debited to the client's Visa or MasterCard, plus a US$ 40 administration fee; whereas the damage waiver reduces the security deposit per se to US$ 200 and moreover entails a mere imprint of the credit card (rather than an actual charge to a credit card) and no administration fee. The damage waiver is subject to the same exclusions and restrictions as the default insurance coverage. Only two tires are covered by the damage waiver.

IMPORTANT: Clients arriving on flights from overseas are indeed allowed by Apollo USA to pick-up on the day their flight arrives.

Apollo does not allow travel into Death Valley and certain similarly extreme desert areas during May through September; and at other times of the year, clients who visit these areas do so at their own risk and are responsible for all consequent recovery and other charges. Due to restrictions on vehicle heights, propane gas and parking, vehicles bearing propane are not permitted in Manhattan. Travel to Mexico, Alaska, Yukon, and the NW Territories is strictly prohibited. No special authorization from Apollo is required for travel elsewhere in Canada, although travel to the greater metropolitan areas of Montreal and Quebec City is prohibited. Apollo reserves the right at its own discretion to restrict vehicle movements in certain areas due to adverse road or weather conditions.

If a mechanical breakdown of the vehicle renders it inoperable for the 12 consecutive working hours after the client makes a timely report to Apollo USA about the breakdown, and if this breakdown is through no fault of the client, Apollo is responsible to refund the client but that responsibility is limited to refund of the daily rate or a portion thereof. In the unlikely event that no replacement or alternative Apollo vehicle is available for the client, Apollo's liability is limited to a refund of the rental charge or in the case of mechanical failure (unless caused by the client) the remainder of the rental duration. Clients assume full responsibility for any additional expenses incurred by reasons of a breakdown of vehicle. The term breakdown as used above does not refer to the vehicle's air conditioning, plumbing, refrigerator, microwave, other appliances, slide-out functionality, automatic step, awning, radio, CD player, TV/DVD, generator, and cruise control, among other functionalities not essential to travel.

For repairs exceeding US$ 50, the client must call Apollo USA to get authorization. Non-authorized repairs over US$ 50 will not be reimbursed. Receipts must be presented for reimbursement to occur. Repair to damage caused by the client is not reimbursible.

Exclusions:

Damage caused by freezing or overheating vehicle systems.

Damage caused during any use off public roads.

Damage to the tires and/or wheels.

Damage caused from backing up the vehicle.

Damage caused by water, which damage includes but is not limited to: any vehicle submersion, creek or river crossing, driving through low plain flooded areas, beach driving.

The cost to retrieve or recover a vehicle which has become bogged.

Damage to or loss of personal belongings.

Damage caused by negligence or willful misconduct on the part of the client or one or more of the client's party.

Damage caused by a single-vehicle roll-over.

Damage to the awning, overhead or underbody of the vehicle insofar as that damage is not consequent of collision with another vehicle or of natural disaster.

Damage due to the use of incorrect or contaminated fuel.

Damage caused when using the vehicle in contravention of any applicable legislation or regulations controlling vehicular traffic.

The cost to replace keys which have become lost, or retrieval of keys which have been locked in a vehicle.

All deductible/excess reduction is void if the terms of the rental agreement signed between Apollo and the client are breached. The client will then be responsible for the total cost of any damage. This will also include any damage caused by negligence, willful misconduct or driving under the influence of alcohol or other drugs.

further restrictions

Client (contract signer) must be a minimum of 21 years of age; the maximum is 75 years of age.

Client must present upon the pick-up occasion a major credit card (MasterCard/Eurocard, Visa, or American Express; not ATM/debit card), a valid non-provisional driver’s license held for at least two years from his/her country of residence and, if not a resident of the USA, his/her passport. The license must not expire during the rental period. An International Driver’s License is required if the drivers license is not in the English language. Travel to Canada requires a valid passport.

The client, all additional drivers and the credit card holder must be present at the time of pick-up, to sign the rental contract.

Animals (excluding humans and, with Apollo's permission, guide dogs) are not allowed in the Apollo USA vehicles.

Smoking is not allowed in the vehicles.

Towing is not permitted.

Storage of items on the vehicle roof is not permitted.

See above for restrictions on travel to certain regions and towns.

Travel on beaches, gravel, dirt, logging and other non-public roads is not allowed.

Apollo will hold the client entirely responsible for damages or mechanical breakdowns that occur in said restricted areas or on the restricted types of roads noted above.

Apollo reserves the right to refuse any rental at their discretion.

accident

In the event of an accident, the client must obtain a local police report as provided by the attending police officer investigating the accident. The client should notify the Apollo pick-up depot about the accident as soon as possible. On said accident report the client should make a full, written report including the other party's name, address, phone number and drivers license information. The client should submit that form to the pick-up depot within 24 hours of the accident. All documents relating to the accident should include a police report number or other pertinent identifying number. Insurance coverage may be void if these measures are not performed.

Warning

Although motor travel in North America is not generally considered prohibitively dangerous, there are, of course, associated risks — including death. For quantitative measures of these risks, please see the Association for Safe International Road Travel (ASIRT) http://www.asirt.org.