Looks like you need to look for a Louis Garneau. It was my impression 20% is pretty standard. I haven't wrecked any of my Bell's when they weren't already close to replacement, so I didn't really care. I am pretty sure theirs is 20%. Probably the same for Giro since they are made by Bell.

I would be annoyed if I ruined a new expense helmet too but for me I wouldn't worry about the replacement if my head was saved. Truly it is humorous they even offer crash replacement policies, I know it is standard but I wonder what the logic behind it was? Brand loyalty? Congratulations you aren't a vegetable? I wish my car manufacturer would do that! If only DH had gotten 20% off a new car when he totaled his old one, man that would rock. Seriously, I understand the question and the annoyance just got me thinking about the bike industry and why they even do crash replacements. My parents are Harley riders, my Dad laid his bike down and cracked his helmet. He was okay but the helmet was a total loss, no discount on the replacement that I know of.