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Introduction to recreational vehicle insurance coverage

Shop online for travel trailer & recreational vehicle insurance with just one visit

Welcome to Kanetix, your online source for Canadian insurance quotes. Kanetix's RV and trailer insurance quote comparison service brings consumers together with car insurance companies in a one-stop shopping environment.

The purpose of recreational vehicle insurance is to protect yourself and your travel trailer from financial and other losses that may result in the event of an accident or other unforeseen event. A camping vehicle can be loads of fun, and over the years, they have come to be known by several different names such as: RV, travel trailer, fifth wheel, camper, camper trailer, campervan, Caravan, towable trailer (or tow-able tent trailer), recreational trailer, mobile home or motor home.

The RV has been evolving over many decades now, but unless it is parked permanently in your backyard, it clearly should be insured. Regardless of whether you call it: rv insurance, travel trailer insurance, motorhome insurance, fifth wheel insurance or camper insurance, Kanetix can help you to find the least expensive rates.


RV insurance and the law

Recreational vehicle insurance (or RV insurance) is a contract between the RV policyholder and an insurance company, whereby the RV policyholder pays a set premium, and the RV insurance company agrees to pay for any related losses as outlined in the recreational vehicle insurance policy. Depending on the kind of RV in question, and where the camper is located, different kinds of RV insurance may be needed. In short, a trailer located in Alberta and used in connection with an automobile is covered for Third Party Liability and Accident benefits. Collision and/or Comprehensive coverage requires that the trailer be described on the policy at additional cost. If located in Ontario, and used in connection with an automobile, the trailer is covered for Third Party Liability, Accident benefits, Uninsured Automobile and under certain conditions Direct Compensation Property Damage (DCPD). The special conditions for DCPD are that the GVW (gross vehicle weight) is less than 4,500 KG and not designed or used for living in, to carry passengers, or for commercial purposes. Collision and/or Comprehensive and DCPD require the trailer to be described on the policy at additional cost. If the RV is not simply a camper designed for the bed of a pick-up truck, and is drive-able on its own, then the appropriate insurance can typically be obtained via your auto insurance provider.

More about recreational vehicle insurance:

Your RV insurance usually covers three main areas: damage to your own vehicle including your personal property in the unit, public liability and medical coverage. Collision and Comprehensive insurance pays for theft or damage to your RV. Liability insurance covers your legal responsibilities to others for property damage or injuries sustained. Medical insurance coverage pays for the cost of rehabilitation, treating injuries and on occasion, lost wages and funeral expenses. Make sure you fully understand the RV insurance policy that you purchase.

RV's are hugely popular in many parts of the country:

The recreational vehicle (motor home, travel trailer, tent trailer, pop-up trailer, holiday trailer, rec vehicle, fifth wheel, vancamper, trailer camper, or tow camper) has become hugely popular in recent years. This is largely because they are so much fun, and can provide a wonderful alternative to often expensive and exhausting standard holidays. Some RV brands have even developed an almost cult-like following, with the classic metallic silver "Airstream" being one such example. Many, many clubs and organizations have sprung up for RV enthusiasts due to their popularity.

Popular models and brands of recreational vehicles that Kanetix can quote:

Recreational vehicles are manufactured by a wide variety of companies with an astonishing assortment of extras and options, all of which should be taken into consideration when insuring the RV. Some of the models and manufacturers include: the Spirit, Freedom, Liberty and Patriot models from Casita, the Arctic Fox from Northwood, the "Leisure See Ya" from Alfa, Winnebago Industries, Inc. with their Winnebago, Adventurer, Spirit, Suncruiser, Sundancer, and Sunrise models, Airstream Inc., with the Bambi, Land Yacht and Safari models, Bigfoot Industries, Inc. with their Bigfoot and Gulf Stream Coach Inc., with numerous models like: Conquest, Touring Cruiser, Prairie Schooner, Sadona, Yellowstone, Friendship, Independence, Scenic Cruiser, Sun Voyager and Tour Master. Other manufacturers that Kanetix can quote include: Aerolite, Beaver, Cardinal, A Liner, Alpenlite, Alpine Coach, Boler, Carriage, Adventure, Born Free, Barth, Carri-Lite, Camplite, Bluebird, American Coach, American, Eagle, Avion, Ameri-Camp, Aristocrat, American Cruiser, American Clipper, Ameri Lite and Aljo to name just a few.

RV - Recreational vehicle insurance quotes are available at Kanetix, for the following regions of Ontario: Toronto, Ottawa, Mississauga, Hamilton, Brampton, London, Markham, Vaughan, Windsor, Kitchener, Oakville, Burlington, Richmond Hill, Sudbury, Oshawa, St. Catharines, Barrie, Cambridge, Kingston, Guelph, Whitby, Thunder Bay, Chatham-Kent, Waterloo, Brantford, Ajax, Pickering, Niagara Falls, Clarington, Sault Ste. Marie, Peterborough, Lindsay, Newmarket, Sarnia, Norfolk, Bolton, Georgetown, North Bay, Milton, Welland, Belleville, Aurora, Cornwall, Haldimand, Timmins, Trenton, Keswick, St. Thomas, Woodstock, Brant, Lakeshore, Churchill, Stratford, Orillia, Fort Erie, New Alliston, LaSalle, Orangeville, Picton), Stouffville, Tecumseh, Bradford, Grimsby, Brockville, Owen Sound, Amherstburg, Lincoln, Gwillimbury, Kingsville, Clarence, Essex, Port Colborne, Huntsville, Thorold, Cobourg, Collingwood, Midland, Pelham, Bracebridge, Napanee, Kenora, Wasaga Beach, Tillsonburg, Petawawa, Niagara-on-the-Lake, Pembroke, Ingersoll, Almonte, Port Elgin, Elliot Lake, Erin, Gravenhurst, Hawkesbury and just about all of the other smaller towns and villages not mentioned here.

RV - Recreational vehicle insurance quotes at Kanetix are also available for Alberta, with the following cities emerging as the most popular: Calgary, Edmonton, Red Deer, Sherwood Park, Lethbridge, St. Albert, Medicine Hat, Fort McMurray, Grande Prairie, Airdrie, Spruce Grove, Okotoks, Leduc, Lloydminster, Camrose, Fort Saskatchewan, Cochrane, Brooks, Stony Plain, Canmore, Cold Lake, Wetaskiwin, Lacombe, High River, Strathmore and Sylvan Lake. No matter if you live in an area not mentioned - you can probably still get a quote.

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