Introduction to Recreational Vehicle Insurance

The summer season is upon us, and that also means traveling! If you’re planning a tour of Quebec, or even an out-of-province visit in your recreational vehicle, don’t forget… to insure it, of course! In this article, we’ll look at the different components of RV insurance, so you can be ready to drive with complete peace of mind. Because we don’t know anyone who wants unpleasant surprises during their vacation, especially without proper protection!

Understanding the details of RV insurance coverage

First of all, you need third-party liability insurance, which, under the Assurance Automobile du Québec legislation, is mandatory for all recreational vehicles on public roads. This provides protection against property damage or bodily injury that you may unintentionally cause to others with your RV. An amount of two million dollars is recommended to cover the risks, especially when traveling outside Quebec. If you plan to travel outside the province, it’s important to increase your third-party liability coverage and add coverages such as :

• Travel expenses: this covers travel expenses if your RV is stolen or cannot be driven following an accident or claim covered by your insurance. When you’re traveling, this protection also covers certain additional expenses such as transportation, meals and accommodation.
• Roadside assistance: this coverage is essential if you have a problem with your RV on the road, such as a mechanical problem or flat tire.

There are also options for additional coverage, including collision, rollover, theft, fire, glass breakage, hail and vandalism.

In short, every situation is unique. Many factors can affect the cost of RV insurance, such as the driver’s profile, specific vehicle criteria, usage and, of course, the coverage selected. Rest assured, not everything is gloom and doom when it comes to price! For example, did you know that if you’re a member of an RV club, you may be entitled to a reduced insurance premium? Our team of brokers will be happy to give you more details and help you save costs.

Coverage specifications

Recreational vehicles are generally classified as motor vehicles because of their registration, which influences the type of insurance coverage applicable. However, RV insurance coverage varies according to the type of vehicle and how you use it, and exists for three broad categories: motorhomes, travel trailers and stationary trailers.

• Motorhome insurance: designed for motorized dwellings that travel on public roads.
• Caravan insurance: is designed for any type of camping trailer that travels on public roads, including tent trailers, fifth-wheel trailers and travel trailers.
• Stationary trailer insurance: designed to meet the needs of trailer owners who remain in the same location year-round, mainly on a campground.

Since insurance for motorhomes and caravans considers the risk of road accidents, the cover available is very similar to that for car insurance. Insurance for stationary trailers, on the other hand, is similar to home insurance in terms of coverage, since they are used for residential purposes. In addition, special considerations may apply to converted “van” RVs when used as primary residences or for extended stays outside Quebec.

Exclusions and limitations

As with all insurance, there are limitations and exclusions specific to RV insurance. It can sometimes be difficult to navigate, so it’s important to contact your broker for any necessary adjustments to your coverage. For your general understanding, here are some of the most common particularities:

• Coverage limitations: this may include a limit on personal property and specifics regarding additional equipment on your RV.
• Specific property: this includes personal property such as a bicycle that is transported in your recreational vehicle year-round, but which is covered by your home insurance and not by RV insurance. It is also possible to add specific items to the policy, such as a golf kart.
• Modifications and additions: if you make modifications or add items to your RV, such as solar panels or summer kitchens, don’t forget to notify your broker so that he can adjust your insurance policy accordingly.

Preparation and protection for RV travel

Regardless of your destination, RV travel requires a certain level of preparation in order to be ready for any eventuality. Among the things you need to prepare for is long-distance travel insurance. This insurance is perfect for trips across Canada (outside Quebec) and the United States. However, if you’re traveling outside Canada and the U.S., it’s important to notify your broker, as you may not be covered. In that case, you’ll probably need additional insurance. A broker is the best person to advise you on your vacation plans. There is also a 180-day time limit for travel outside Quebec; if this time limit is exceeded, be sure to call your broker to continue to be insured.

The claims process and assistance in the event of a claim

If you are involved in a damage incident involving your RV, there are a few steps you need to take to ensure the proper follow-up. First, document the damage by taking detailed photos of the damage to your RV and any other vehicles affected by the loss. Next, you need to promptly inform your insurance company, providing as many details as possible: date, time, location and circumstances of the incident. Your broker will provide you with specific instructions on how to proceed, and may ask you to complete a claim form. If the damage is extensive and exceeds your insurance coverage, you have the option of exploring other financial assistance options, such as government programs or disaster-specific assistance funds.

The importance of RV insurance

In short, understanding the details of insurance coverage for your recreational vehicle is essential to traveling with peace of mind. By properly planning your insurance, choosing the appropriate coverage and knowing the specifics of your coverage, you can be sure you’re well protected, whether you’re traveling in Quebec or deciding to visit another part of the country!

Are you in the process of buying an RV or shopping for insurance? Contact one of our specialists today, who will help you through the process and ensure your peace of mind for your summer adventures!