Insurance Overview

Insurance Coverage Overview

All Overland Yukon vehicles are insured in accordance with applicable insurance policies and endorsements, including $2,000,000 Third Party Liability. All insurance coverage is subject to policy limits, exclusions, deductibles, terms, conditions, and applicable law.

Security Deposit Payment

A damage deposit payment of $1,000 is required at vehicle pick-up and will be charged to your credit card that made the original booking deposit and full booking payment(s).

This payment applies toward any insurance deductibles, vehicle damage, additional mileage charges, cleaning fees, equipment loss or damage, towing, recovery, and storage charges, administrative fees and outstanding balances under the Rental Agreement.

The security deposit is not a limit of liability.

If the vehicle is returned without incident, the unused portion of the payment will be released. In the event of an incident, the deposit may be held until the insurance claim, repair assessment, or damage review is completed. Any unused balance will be refunded.

Unless otherwise covered by optional protection plans purchased from Overland Yukon Inc., the Guest is responsible for the following maximum amounts per incident:

  • Windshield Damage: $700

  • Interior Damage: $3,500

  • Vehicle Damage: $3,500

  • Collision / Accident Damage: $3,500

  • Wheel & Tire Damage: $500 per tire (excluding towing)

  • Theft of Vehicle: All Costs

  • Equipment Theft or Missing Equipment: All Costs

  • No Written Accident Report & Police File Number: All Costs

  • Incidents in Unauthorized or Prohibited Areas: All Costs

  • Incidents Involving Unauthorized or Impaired Drivers: All Costs

  • Illegal Acts, Reckless Conduct, or Willful Damage: All Costs

  • Wrong Fuel Damage: Up to $10,000 or actual repair cost, whichever is less

Guest Responsibility for Uninsured or Excluded Losses

Losses not covered by insurance remain fully payable by the Guest.

Remote Highway Insurance Limitations

Travel on designated remote gravel highways, including but not limited to the Dempster Highway, Top of the World Highway, Robert Campbell Highway, and other routes identified by Overland Yukon Inc., involves elevated risk. Coverages may be limited or excluded on these routes unless expressly confirmed in writing by Overland Yukon Inc.

Guests travelling on these roads assume full responsibility for:

  • Vehicle damage

  • Windshield damage

  • Tire damage

  • Towing and recovery

  • Remote extraction expenses

  • Delays or interruption costs

Travel on these roads is undertaken entirely at the Guest’s own risk.

Unauthorized & Prohibited Travel Areas

Travel in designated prohibited areas is strictly forbidden. Prohibited routes may include, but are not limited to:

  • Heritage Canol Trail Road

  • Nahanni Range Road

  • Any road declared prohibited by Overland Yukon Inc. at its sole discretion

Any incident occurring in prohibited areas is excluded from insurance coverage and becomes the full financial responsibility of the Guest.

Unauthorized or Impaired Driver Exclusion

Any loss occurring while the Vehicle is operated by:

  • An unauthorized driver

  • An impaired driver

  • A suspended, invalid, or unlicensed driver

is excluded from insurance coverage and remains fully payable by the Guest.

Illegal Acts & Intentional Damage

Damage caused by illegal acts, intentional misconduct, vandalism, reckless conduct, fraudulent acts, or willful damage is not covered by insurance and remains the full responsibility of the Guest.

Incident Reporting Requirements

All incidents, accidents, thefts, vandalism, or damage must be reported to Overland Yukon Inc. within 24 hours of occurrence.

Guests must provide:

  • Written accident report

  • Police report or police file number where applicable

  • Full disclosure of all relevant facts

Failure to report promptly may result in denial or limitation of insurance coverage.

Windshield & Tire Optional Protection

Windshield and tire damage are common on Yukon gravel roads and are not protected under standard insurance coverage.

Optional Windshield & Tire Protection may be purchased separately.

Windshield Protection Includes:

  • Rock chip repair

  • Crack repair where repairable

Tire Protection Includes:

  • Flat tire repair where repairable only

This optional protection does not include:

  • Tow truck charges

  • Tire replacement if tire is not repairable

  • Damage caused by negligence or misuse

Windshield protection is void when travelling on:

  • Dempster Highway

  • Top of the World Highway

  • Robert Campbell Highway

  • North Canol Road

  • South Canol Road

Water Damage Exclusion

Damage caused by:

  • Submersion

  • Water ingress

  • Unauthorized river crossings

  • Flooded roadway travel

  • Negligent exposure to water hazards

is excluded unless expressly covered by insurance.

Loss of Use & Diminished Value

Where permitted by law, the Guest may be responsible for:

  • Loss of rental income while the Vehicle is unavailable for repair

  • Diminished vehicle value resulting from accident damage not recoverable through insurance

Personal Property Exclusion

Overland Yukon insurance does not cover:

  • Guest personal belongings

  • Lost or stolen valuables

  • Trip interruption expenses

  • Accommodation costs

  • Alternate transportation expenses

  • Replacement rental vehicles unless separately contracted

Replacement Vehicles

Replacement vehicles are subject to availability and require a new rental agreement. Replacement is not guaranteed.

Insurance Summary Only

These Insurance Terms are a summary only and do not replace or amend the governing insurance policy, endorsements, Rental Agreement, or Terms & Conditions.

In the event of conflict, the governing insurance policy and signed Rental Agreement shall prevail.

Acknowledgement

By signing the Rental Agreement, the Guest acknowledges that they have read, understood, and accepted these Insurance Terms and agree to assume financial responsibility for all applicable deductibles, exclusions, and uninsured losses described herein.