Roamly

Claims

---
bcp_version: "1.1.1"
file_type: claims
parent: https://registry.encodedbrands.ai/roamly-73efb104/.well-known/brand.md
last_updated: "2026-10-30"
---

# Claims

- `brand_approval` is `unreviewed` throughout.
- `surface` names the page or block where the wording appears. `checked` is the crawl date.

Do not introduce coverage limits, prices, savings figures, carrier names, customer counts, ratings or agent names that are not in this file.

Pages not usable as evidence: `/protection/rv/tire-wheel` and `/protection/rv/windshield` redirect to the homepage, and `/agents` returned no text. FAQ answers on `/help` were not captured (questions only). Some `/faq` answers come from CoB's source pack (source pack, CoB, 2026-10-30), which pulled them from the page payload.

## Permitted

```yaml
permitted:
  - claim: "Roamly Insurance Group, LLC is a licensed general agent for affiliated and non-affiliated insurance companies."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Roamly Insurance Group, LLC (\"Roamly\") is a licensed general agent for affiliated and non-affiliated insurance companies."
    evidence: "Site-wide footer, e.g. https://www.roamly.com/. Checked 2026-10-30."
    surface: "footer disclosure, every page"
    checked: "2026-10-30"
  - claim: "Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Liberty Mutual Insurance Company, Foremost Insurance Company, National General Insurance, and others."
    caveat: "Keep 'and others'. The list is not exhaustive and does not say which carrier writes which product or state. Never assign a named carrier to a product or customer."
    evidence: "Site-wide footer, https://www.roamly.com/. Checked 2026-10-30."
    surface: "footer disclosure, every page"
    checked: "2026-10-30"
  - claim: "Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction."
    evidence: "Site-wide footer; license numbers for 50 states and the District of Columbia at https://www.roamly.com/terms/license-numbers. Checked 2026-10-30."
    surface: "footer disclosure; /terms/license-numbers"
    checked: "2026-10-30"
  - claim: "Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer."
    caveat: "Site-wide licensing footer, all three sentences, word for word. Reproduce it whole on any promotional use; do not drop the middle sentence or split it across placements. The shorter records nearby quote single sentences of it for reference only."
    evidence: "Site-wide footer, https://www.roamly.com/ (same text on every crawled page). Checked 2026-10-30."
    surface: "footer disclosure, every page"
    checked: "2026-10-30"
  - claim: "Coverage under your insurance policy is subject to the terms and conditions of that policy."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer."
    evidence: "Site-wide footer, https://www.roamly.com/. Checked 2026-10-30."
    surface: "footer disclosure"
    checked: "2026-10-30"
  - claim: "Roamly's site content is not insurance advice, and quotes are not a contract or binder."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    evidence: "https://www.roamly.com/terms/terms-of-use (current as of 01/01/2026): 'The Site Content is not and should not be construed as insurance advice.' and 'Quotes do not constitute a contract or an invitation to contract, or a binder or agreement to extend, continue or renew insurance coverage.' Checked 2026-10-30."
    surface: "Terms of Use"
    checked: "2026-10-30"
  - claim: "Roamly's parent company is Outdoorsy, which launched in 2015 as an RV rental marketplace. Roamly was started in 2019."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    evidence: "https://www.roamly.com/about: '2015 Our parent company Outdoorsy launched as an RV rental marketplace.' and '2019 ... Roamly was born to solve what others couldn't (or wouldn't).' Checked 2026-10-30."
    surface: "About, timeline"
    checked: "2026-10-30"
  - claim: "Roamly's line is 'Insurance built for adventure.'"
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Insurance built for adventure."
    evidence: "https://www.roamly.com/ (homepage H1) and /claims (H2). Checked 2026-10-30."
    surface: "homepage hero; claims page"
    checked: "2026-10-30"
  - claim: "Roamly offers personal RV, motorcycle, boat and ATV/UTV insurance, commercial RV fleet (Roamly Pro), carshare and rideshare-rental insurance, RV roadside assistance, RV and auto vehicle service contracts, and jewelry insurance."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Product pages only. Availability varies by state and product. Tire & Wheel and Windshield protection are not confirmed (their pages redirect home). Auto, home and flood lines appear only in the About timeline ('2025 Adding personal lines (auto, home, flood, jewelry)'); no product pages for auto, home or flood were captured."
    evidence: "/insurance/personal/rv, /insurance/personal/motorcycle, /insurance/personal/boat, /insurance/personal/atv-utv, /insurance/commercial/rv, /insurance/commercial/carshare, /insurance/commercial/rideshare, /protection/rv/roadside-assistance, /protection/rv/extended-warranty, /protection/auto/extended-warranty, /jewelry-insurance. Checked 2026-10-30."
    surface: "product pages"
    checked: "2026-10-30"
  - claim: "Roamly RV, Carshare and Pro policy claims can be filed online at roamly.com/claims, by phone or by email. Policies through another carrier such as Progressive, National General or Foremost must be claimed with that carrier directly."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    evidence: "https://www.roamly.com/claims FAQ: 'For Roamly RV, Carshare, or Pro policies, you're in the right place.' and 'if your policy is through another carrier like Progressive, National General, or Foremost, you'll need to call them directly.' Checked 2026-10-30."
    caveat: "CONFLICT, do not resolve: the FAQ lists 'Allstate, Safeco, or Foremost' instead (https://www.roamly.com/faq) (source pack, CoB, 2026-10-30). In customer copy, do not name carriers; tell the customer to check their policy documents or call Roamly."
    surface: "Claims page FAQ"
    checked: "2026-10-30"
  - claim: "Roamly claims line: (877) 725-1245, Monday through Friday, 9am to 5pm Central; email claims@roamly.com."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Time-sensitive. Re-check number and hours on the day of use. Applies to Roamly RV, Carshare and Pro policies only. Jewelry claims go to Jewelers Mutual (blanketclaims@jminsure.com); vehicle service contract claims go to Veritas ((888) 572-4310; in California (877) 310-1606)."
    evidence: "https://www.roamly.com/claims. Checked 2026-10-30."
    surface: "Claims page FAQ"
    checked: "2026-10-30"
  - claim: "On whether a claim will raise rates, Roamly says: 'Honest answer? It depends.'"
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Honest answer? It depends. Every situation's different, and we can't make promises we might not keep."
    evidence: "https://www.roamly.com/claims FAQ 'Is this going to jack up my rates?'. Checked 2026-10-30."
    surface: "Claims page FAQ"
    checked: "2026-10-30"
  - claim: "Roamly RV Roadside Assistance is a roadside service plan, not insurance."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Roamly RV Roadside Assistance is a roadside service plan, not insurance."
    caveat: "Fine print: eligible RVs in the United States and Canada, personal use by the plan holder only, not during commercial or rental use; 5 service events per 12-month period; up to 75 miles of towing and up to 1 hour of winching per event; services arranged through another provider are not reimbursable."
    evidence: "https://www.roamly.com/protection/rv/roadside-assistance, 'THE FINE PRINT'. Checked 2026-10-30."
    surface: "Roadside page fine print"
    checked: "2026-10-30"
  - claim: "Roamly vehicle service contracts (RV and auto) are administered by Veritas Global Protection."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "A service contract, not an insurance policy. Claims may be filed after a 30-day waiting period (auto: 30-day and 1,000-mile); the customer must contact claims before any repairs."
    evidence: "https://www.roamly.com/protection/rv/extended-warranty; https://www.roamly.com/protection/auto/extended-warranty. Checked 2026-10-30."
    surface: "VSC pages, FAQ"
    checked: "2026-10-30"
  - claim: "Roamly jewelry insurance is underwritten by Jewelers Mutual, which handles claims."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    evidence: "https://www.roamly.com/jewelry-insurance: 'Insurance underwritten by Jewelers Mutual' and 'you'll work directly with Jewelers Mutual'. Available 'in all U.S. states except New York, Kentucky and Alaska.' Checked 2026-10-30."
    surface: "Jewelry page"
    checked: "2026-10-30"
  - claim: "Roamly's rideshare-rental (Daily Rental) policy covers only the renter's personal use with the rideshare app off (Period 0). It does not apply in Periods 1, 2 and 3 and does not cover food or package delivery."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Site FAQ: available 'With exception to New York'; vehicles under 12 years or 200,000 miles and under $150,000 cash value; accessed through Wheelbase Pro."
    evidence: "https://www.roamly.com/insurance/commercial/rideshare. Checked 2026-10-30."
    surface: "Rideshare page and FAQ"
    checked: "2026-10-30"
  - claim: "Roamly carshare policies cover fleets of 2 or more vehicles and require a connected telematics device within 30 days."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    evidence: "https://www.roamly.com/insurance/commercial/carshare ('All policies require a connected device within 30 days.'); telematics partners Zubie, Passtime, Bouncie, OneStep at /commercial/telematics ('Terms set by the vendors. Verify with vendor before purchase.'). Checked 2026-10-30."
    surface: "Carshare page; telematics page"
    checked: "2026-10-30"
  - claim: "Roamly Enterprise offers policy management, underwriting, actuarial, program design, third-party administration and embedded-insurance tools to other insurance businesses."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Gap: the page names no clients, no pricing, and does not name the 'Managing General Underwriter' it refers to. Do not add customer names or results."
    evidence: "https://www.roamly.com/enterprise. Checked 2026-10-30."
    surface: "Enterprise page"
    checked: "2026-10-30"
  - claim: "Roamly both sells its own policies and connects customers with other carriers' policies."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Both. We offer our policies or connect you with others. You win either way."
    caveat: "Pair with the footer: Roamly is a licensed general agent, and Roamly-branded programs (Roamly RV, Carshare, Pro) are underwritten by carriers. Never say Roamly is the insurer. The motorcycle page puts it as 'We're brokers. We shop multiple carriers to find you the best deal.'"
    evidence: "https://www.roamly.com/insurance/personal/rv FAQ 'Is Roamly selling me its own policy, or acting as a broker?'; https://www.roamly.com/insurance/personal/motorcycle. Checked 2026-10-30."
    surface: "RV and motorcycle FAQs"
    checked: "2026-10-30"
  - claim: "Roamly's commercial carshare products are Roamly Carshare, Roamly Episodic and Roamly PX."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    evidence: "https://www.roamly.com/insurance/commercial/carshare. Checked 2026-10-30."
    surface: "Carshare page"
    checked: "2026-10-30"
  - claim: "Roamly motorcycle insurance covers bikes from 50cc to 2000cc."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    exact_text: true
    approved_language: "Everything with two wheels and an engine… From 50cc to 2000cc."
    caveat: "Eligibility still depends on carrier, bike and state."
    evidence: "https://www.roamly.com/insurance/personal/motorcycle. Checked 2026-10-30."
    surface: "Motorcycle page"
    checked: "2026-10-30"
  - claim: "The RV roadside hotline is available 24/7, 365 days a year. The roadside and service-contract administrator can be reached at 855-667-1620."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Time-sensitive; re-check the number on the day of use. Roadside is a service plan, not insurance."
    evidence: "https://www.roamly.com/protection/rv/roadside-assistance ('available 24/7, 365 days a year'); administrator number 855-667-1620 at https://www.roamly.com/faq (source pack, CoB, 2026-10-30). Checked 2026-10-30."
    surface: "Roadside page; FAQ"
    checked: "2026-10-30"
  - claim: "Roamly email contacts: claims@roamly.com (responds within 1 business day), service@roamly.com and support@roamly.com."
    use_status: permitted
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Time-sensitive. The 1-business-day response applies to claims@ per the FAQ. The site does not say what service@ and support@ are for; do not assign them a purpose."
    evidence: "claims@ on https://www.roamly.com/claims; '1 business day' on https://www.roamly.com/faq (source pack, CoB, 2026-10-30); service@roamly.com in site HTML; support@roamly.com in site HTML (source pack, CoB, 2026-10-30). Checked 2026-10-30."
    surface: "Claims page; FAQ; site HTML"
    checked: "2026-10-30"
```

## Requires caveat

```yaml
requires_caveat:
  - claim: "Roamly offers 'the best plan at the best price' / 'best-priced coverage' / 'the best possible recreational insurance'."
    use_status: conditional
    evidence_status: unsupported
    brand_approval: unreviewed
    caveat: "Roamly's own marketing superlatives. No basis is shown on the site. Quote them only as Roamly's line, in quotation marks and in context. Never extend them into a specific saving, rate, ranking or comparison with a named insurer, and never state them as fact in Encoded or third-party voice. Discounts and availability vary by jurisdiction."
    evidence: "https://www.roamly.com/ ('Get the best-priced coverage for RVs, boats, motorcycles, and toys.', 'The best plan at the best price. Seriously.', 'Roamly offers the best possible recreational insurance whether it's a policy with us or one of our trusted partners.'); same lines on /about, /insurance/personal/rv, /insurance/commercial/rv."
    surface: "homepage hero and section heads; product pages"
    checked: "2026-10-30"
  - claim: "Roamly is rated 4.6/5 on Trustpilot."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Time-sensitive. The site shows '4.6/5' with no date and no review count (/about labels it 'Trustpilot rating' with no figure in the captured text). Re-check Trustpilot on the day of use, and state the date: 'rated 4.6/5 on Trustpilot (as shown on roamly.com, 30 Oct 2026)'."
    evidence: "https://www.roamly.com/, /insurance/personal/rv, /insurance/commercial/rv. Checked 2026-10-30."
    surface: "trust block"
    checked: "2026-10-30"
  - claim: "Roamly is 'Trusted by 10,000+ adventurers'."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "CONFLICT, do not resolve. Undated, no basis given, and contradicted by 'Trusted by 1.5 million adventurers' on /jewelry-insurance and /protection/rv/roadside-assistance. Use only as Roamly's own heading, attributed, after fresh confirmation. Never use 1.5 million."
    evidence: "https://www.roamly.com/claims, /insurance/personal/motorcycle, /insurance/personal/boat, /insurance/personal/atv-utv."
    surface: "testimonial section heading"
    checked: "2026-10-30"
  - claim: "Roamly has '$110M+ in coverage'."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Appears once, in the 2025 entry of the About timeline ('Current status: $110M+ in coverage for people who actually use their stuff.'). The metric (limits in force, premium, insured value) and the as-of date are not defined. Say 'Roamly reported $110M+ in coverage (About page, 2025 timeline entry)' and re-check before use."
    evidence: "https://www.roamly.com/about"
    surface: "About timeline, 2025"
    checked: "2026-10-30"
  - claim: "Roamly's licensed agents average 5+ years in RV insurance and own the rigs they insure."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Self-description with no basis shown. Attribute to Roamly ('Roamly says its licensed agents average 5+ years in RV insurance'). It refers to RV insurance only; do not extend it to motorcycle, boat, powersports or fleet agents."
    evidence: "https://www.roamly.com/ and /insurance/personal/rv ('Our licensed agents average 5+ years in RV insurance and actually own the rigs they insure.')"
    surface: "'Experts when you need them' block"
    checked: "2026-10-30"
  - claim: "Roamly was named a Celent Model Insurer Award winner in 2025."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Always name Celent and 2025. Per /enterprise the award recognised Roamly's Actuarial Rater, an insurance-technology tool. It is not an award for consumer pricing, claims service or coverage quality; do not imply that."
    evidence: "https://www.roamly.com/enterprise ('The 19th annual award recognizes Roamly for driving AI-powered innovation in insurance technology through the development of its Actuarial Rater'); /about ('Celent 2025 Roamly recognized as Celent Model Insurer')."
    surface: "Enterprise hero; About trust block"
    checked: "2026-10-30"
  - claim: "Roamly is a Lloyd's of London approved coverholder."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "The site shows only the label 'Lloyds of London / Approved Coverholder' on /about. It does not say which Roamly entity, which products or since when. Do not state or imply that Lloyd's underwrites any particular Roamly policy. Write 'Lloyd's' correctly and re-check before use."
    evidence: "https://www.roamly.com/about"
    surface: "About trust block"
    checked: "2026-10-30"
  - claim: "Filing a claim 'Takes about 5 minutes.'"
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Applies to submitting a Roamly claim online, not to settlement or payment. Other time claims are per surface and must not be swapped: RV quote 'Get adventure-ready coverage in 60 seconds' (/insurance/personal/rv), VSC 'Get Covered in 2 Minutes', jewelry and VSC 'quote in under 60 seconds'. No basis is shown for any of them."
    evidence: "https://www.roamly.com/claims"
    surface: "Claims hero"
    checked: "2026-10-30"
  - claim: "Roamly customers can save up to 35%* on their insurance premiums compared to other RV insurance companies."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Only with the full footnote: '* New Roamly customers getting personal policies for travel trailers and Class B RVs tended to see the largest savings of 35% or more off their existing policies when getting comprehensive coverage in 2023. ...' The data is from 2023 and a narrow segment. Never shorten to 'save 35%' or apply to other products. Prefer not to use."
    evidence: "https://www.roamly.com/states/rv"
    surface: "RV by-state page, 'Competitive pricing'"
    checked: "2026-10-30"
  - claim: "Published starting prices: carshare 'as low as $59/month*', rideshare-rental 'as low as $39/day*'."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Time-sensitive. Repeat only verbatim, with the site's footnote and the check date: carshare '* Price reflective of liability coverage only per vehicle. Varies by state and other factors.'; rideshare '* Price reflective of liability and physical damage with a $2500 deductible only per vehicle. Varies by state and other factors.' Never estimate, average or extrapolate a price for anyone's situation."
    evidence: "https://www.roamly.com/insurance/commercial/carshare; https://www.roamly.com/insurance/commercial/rideshare. Checked 2026-10-30."
    surface: "product hero footnotes"
    checked: "2026-10-30"
  - claim: "Roamly jewelry insurance costs $80 a year for $3,000 in total coverage or $110 a year for $5,000, both with a standard $100 deductible."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    approved_language: "For $5,000 in total coverage, the annual premium is $110. For $3,000 in coverage, it's $80. ... both options come subject to a standard $100 deductible."
    caveat: "Time-sensitive. Quote verbatim with the check date. This is the online jewelry plan only (underwritten by Jewelers Mutual; 'caps at $5,000 in total coverage'; not available in New York, Kentucky or Alaska). It is not a price for any vehicle line, and consumer vehicle prices remain a gap."
    evidence: "https://www.roamly.com/jewelry-insurance (FAQ 'How much does it cost?' and 'What are my plan options?'). Checked 2026-10-30; confirmed by CoB on the live page 2026-10-30."
    surface: "jewelry FAQ"
    checked: "2026-10-30"
  - claim: "Coverage limits named on product pages (e.g. RV personal effects 'up to $5k', emergency expense 'up to $5,000', vacation liability 'up to $50k', custom build or parts 'up to $20,000', motorcycle accessories 'up to $15,000', boat electronics 'up to $20,000', UTV parts 'up to $25,000')."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Keep 'up to'. Several say 'Our partners provide', so they depend on the carrier, policy, options chosen and state. Pages give some inconsistent figures (motorcycle custom parts '$20,000' and '$15,000' on the same page). Do not repeat the competitor comparisons attached to them ('Most insurance companies cap this at $500', 'Most basic policies cap this at $3,000')."
    evidence: "/insurance/personal/rv, /insurance/personal/motorcycle, /insurance/personal/boat, /insurance/personal/atv-utv"
    surface: "product feature blocks"
    checked: "2026-10-30"
  - claim: "Roamly Pro is a commercial policy for professional RV rental fleets that charges only for the non-rental period."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "The fleet-size threshold conflicts on the same page: 'two or more RVs' vs 'fleets of four or more' and FAQ '4 or more vehicles'. Do not state a threshold without checking with Roamly."
    evidence: "https://www.roamly.com/insurance/commercial/rv"
    surface: "Commercial RV page and FAQ"
    checked: "2026-10-30"
  - claim: "Roamly's 2022 product was 'the industry's first RV insurance product that allows RVers to rent their RVs when they're not using them'."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Self-declared first. Attribute to Roamly and keep the year."
    evidence: "https://www.roamly.com/about, 2022 timeline entry"
    surface: "About timeline"
    checked: "2026-10-30"
  - claim: "Roamly RV policyholders can rent their RV out (e.g. on Outdoorsy)."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Site wording: 'If you list on Outdoorsy, we'll make sure you're covered.' and 'Roamly policyholders are free to rent out their rig without breaking the terms of their policy.' Subject to policy terms and state. Roamly Roadside Assistance does not apply while the RV is rented out."
    evidence: "/insurance/personal/rv; /states/rv; /protection/rv/roadside-assistance"
    surface: "RV page; RV by-state page"
    checked: "2026-10-30"
  - claim: "Customer testimonials mention savings ('he saved me $1400', '$200 less than our other quote (with better coverage)', 'Savings of $500/yr over my old policy')."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Individual customer reviews, not Roamly claims. Quote only verbatim, attributed to the named reviewer as shown, labelled as one customer's experience. Never restate as typical, average or expected savings, and never combine them."
    evidence: "https://www.roamly.com/ (Chanda, $1400); /about (Matt, $200 less); /insurance/personal/rv (Raymond, $500/yr)"
    surface: "testimonial cards"
    checked: "2026-10-30"
  - claim: "Veritas Global Protection has 20+ years in the industry, has paid more than $150M in claims and backs 6,000+ repair facilities."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Third-party (Veritas) figures as stated on Roamly's pages. Attribute to Veritas, not Roamly."
    evidence: "/protection/rv/extended-warranty; /protection/auto/extended-warranty"
    surface: "VSC FAQ"
    checked: "2026-10-30"
  - claim: "RV settlement option: Agreed Value vs Purchase Price, 'up to 120% of original price for newer models'."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Always carry the page's note verbatim: '*Note that the availability of settlement types may vary based on the carrier you choose.' Keep 'up to' and 'newer models'. Other RV limits on the same page (custom build up to $20,000, Personal Effects up to $5k, Emergency Expense up to $5,000, Vacation Liability up to $50k) are covered by the coverage-limits record above; do not repeat 'Most insurance companies cap this at $500'."
    evidence: "https://www.roamly.com/insurance/personal/rv. Checked 2026-10-30."
    surface: "RV feature block"
    checked: "2026-10-30"
  - claim: "Motorcycle Riding Gear coverage up to $5,000."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Keep 'up to'; depends on carrier and policy. Do not reconcile the same page's custom-parts figures ('up to $20,000' vs 'Accessory coverage up to $15,000'); flag as a conflict and do not resolve. The 'Average claim: $2,800.' Mechanical Breakdown figure stays in the unknown record below."
    evidence: "https://www.roamly.com/insurance/personal/motorcycle. Checked 2026-10-30."
    surface: "Motorcycle feature block"
    checked: "2026-10-30"
  - claim: "Commercial RV coverage 'like the kind that Roamly offers for up to 25% less'."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Savings comparison with no basis, comparator or date shown. Quote only verbatim as Roamly's FAQ line, attributed, with 'up to'. Never shorten to 'save 25%' or apply to consumer RV. Prefer not to use."
    evidence: "https://www.roamly.com/faq (source pack, CoB, 2026-10-30). Checked 2026-10-30."
    surface: "FAQ answer"
    checked: "2026-10-30"
  - claim: "Windshield Protection: 'Our default plan covers almost all windshields with a $5K limit.'"
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "FAQ answer only; the /protection/rv/windshield page redirected home on 2026-10-30, so current sale of the product is unconfirmed. A protection product, not insurance. Keep 'almost all' and the limit verbatim."
    evidence: "https://www.roamly.com/faq (source pack, CoB, 2026-10-30). Checked 2026-10-30."
    surface: "FAQ, Vehicle Protections"
    checked: "2026-10-30"
  - claim: "Roamly's support team is in-house and US-based ('No overseas call centers.')."
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "Self-description; attribute to Roamly. It covers Roamly's own team, not carriers or administrators (Veritas, Jewelers Mutual, roadside provider)."
    evidence: "https://www.roamly.com/faq ('our support team is in-house and US-based') (source pack, CoB, 2026-10-30); https://www.roamly.com/insurance/personal/motorcycle ('No overseas call centers.'). Checked 2026-10-30."
    surface: "FAQ; motorcycle page"
    checked: "2026-10-30"
  - claim: "Get RV coverage 'in 60 seconds. No phone calls. No paperwork. No regrets.'"
    use_status: conditional
    evidence_status: supported
    brand_approval: unreviewed
    caveat: "CONFLICT, do not resolve: the FAQ says 'one of our friendly US-based agents will want to confirm details over the phone' (source pack, CoB, 2026-10-30). Do not promise that no phone call will happen. Use only on the RV surface, attributed, or omit."
    evidence: "https://www.roamly.com/insurance/personal/rv; https://www.roamly.com/faq (source pack, CoB, 2026-10-30). Checked 2026-10-30."
    surface: "RV page CTA band; FAQ"
    checked: "2026-10-30"
```

## Forbidden

```yaml
forbidden:
  - claim: "Roamly is an insurance company / Roamly underwrites or pays your policy."
    use_status: prohibited
    evidence_status: unsupported
    brand_approval: unreviewed
    evidence: "Footer: Roamly is 'a licensed general agent'; policies are 'underwritten by Spinnaker ... and others'. Product FAQs say 'We're brokers. We shop multiple carriers'."
    checked: "2026-10-30"
  - claim: "Roamly is available in every state / every Roamly product is available nationwide."
    use_status: prohibited
    evidence_status: unsupported
    brand_approval: unreviewed
    evidence: "Footer: availability 'may vary by jurisdiction'. Terms: services 'may not currently be available in all states'. Known exclusions: jewelry not in NY, KY, AK; rideshare-rental not in NY; member benefits 'may not be available in Alaska, Indiana, New Jersey, New York, North Dakota, Texas, Utah'. /states/rv lists 49 states (no Hawaii). Per-product state availability is otherwise unknown."
    checked: "2026-10-30"
  - claim: "Filing a claim won't raise your rates."
    use_status: prohibited
    evidence_status: unsupported
    brand_approval: unreviewed
    evidence: "Roamly's own answer is 'It depends ... we can't make promises we might not keep' (/claims)."
    checked: "2026-10-30"
  - claim: "Your claim will be approved / you are covered for [event]."
    use_status: prohibited
    evidence_status: unsupported
    brand_approval: unreviewed
    evidence: "'At the time of a claim, coverage will be determined in accorda[nce]' with the policy (Terms of Use). Coverage is subject to policy terms and conditions (footer)."
    checked: "2026-10-30"
  - claim: "Roamly is the cheapest / you will save $X or X% with Roamly / Roamly beats [named insurer] on price."
    use_status: prohibited
    evidence_status: unsupported
    brand_approval: unreviewed
    evidence: "No substantiated savings or price comparison on the site. The only savings figure with a basis is the 2023 footnoted 'up to 35%*' (see requires_caveat)."
    checked: "2026-10-30"
  - claim: "Roamly is trusted by 1.5 million adventurers."
    use_status: unknown
    evidence_status: unknown
    brand_approval: unreviewed
    evidence: "Appears on /jewelry-insurance and /protection/rv/roadside-assistance but conflicts with '10,000+ adventurers' elsewhere; no basis given. May be a partner figure reused in a template."
    checked: "2026-10-30"
  - claim: "Average-outcome figures: vacation liability 'saves our customers an average of $12,000'; mechanical breakdown 'Average claim' $2,800 (motorcycle), $4,200 (boat), $3,200 (ATV/UTV)."
    use_status: unknown
    evidence_status: unknown
    brand_approval: unreviewed
    evidence: "Stated on product pages with no source, sample or date. Do not restate as fact or use to imply expected payouts."
    checked: "2026-10-30"
  - claim: "Roamly is Outdoorsy / Roamly is only for Outdoorsy hosts / Outdoorsy insures your RV."
    use_status: prohibited
    evidence_status: unsupported
    brand_approval: unreviewed
    evidence: "/about: Outdoorsy is Roamly's 'parent company'. Roamly sells to RV owners generally and partners with other platforms (Turo, Wheelbase, Ride.auto)."
    checked: "2026-10-30"
  - claim: "Roamly Roadside Assistance is insurance / covers your RV while it's rented out."
    use_status: prohibited
    evidence_status: unsupported
    brand_approval: unreviewed
    evidence: "'Roamly RV Roadside Assistance is a roadside service plan, not insurance.' It 'does not apply during commercial or rental use'."
    checked: "2026-10-30"
  - claim: "Roamly currently sells RV Tire & Wheel Protection and Windshield Protection."
    use_status: unknown
    evidence_status: unknown
    brand_approval: unreviewed
    evidence: "/protection/rv/tire-wheel and /protection/rv/windshield redirect to the homepage on 2026-10-30. The FAQ still lists question headings for both, with no answers captured. Treat as unverified."
    checked: "2026-10-30"
  - claim: "Roamly sells insurance in Canada."
    use_status: unknown
    evidence_status: unknown
    brand_approval: unreviewed
    evidence: "/faq lists 'Does Roamly sell insurance in Canada?' but the answer was not captured. Only roadside assistance states US and Canada eligibility. A Canada site exists at https://ca.roamly.com (source pack, CoB, 2026-10-30) but was not researched. Roamly UK appears only as a careers listing."
    checked: "2026-10-30"
  - claim: "Lloyd's of London underwrites Roamly's RV (or other) policies."
    use_status: prohibited
    evidence_status: unsupported
    brand_approval: unreviewed
    evidence: "The site states only 'Approved Coverholder' (/about). The footer carrier list does not name Lloyd's."
    checked: "2026-10-30"
  - claim: "Roamly Roadside includes unlimited towing / towing up to $1,000 per occurrence."
    use_status: unknown
    evidence_status: unknown
    brand_approval: unreviewed
    evidence: "CONFLICT, do not resolve: the FAQ says 'unlimited towing, up to $1,000 per occurrence' (https://www.roamly.com/faq) (source pack, CoB, 2026-10-30); the roadside page fine print says 'up to 75 miles of towing' (https://www.roamly.com/protection/rv/roadside-assistance). Do not state a towing limit; send the customer to the plan terms or Roamly."
    checked: "2026-10-30"
  - claim: "The carriers whose claims must be filed directly with them are [a named list]."
    use_status: unknown
    evidence_status: unknown
    brand_approval: unreviewed
    evidence: "CONFLICT, do not resolve: /claims names 'Progressive, National General, or Foremost' (https://www.roamly.com/claims); the FAQ names 'Allstate, Safeco, or Foremost' (https://www.roamly.com/faq) (source pack, CoB, 2026-10-30). Do not name a list. Tell the customer to check their policy documents or call Roamly at (877) 725-1245."
    checked: "2026-10-30"
```