If you own a motorized RV that you can drive on the road, it is legally required in Ontario that you have insurance. These coverages apply to drivable Class A, B, and C motorhomes.
Covers legal defence and settlement costs for property damage or injury caused while driving.
Covers RV repair/replacement when another driver is at fault in Ontario.
Medical, rehabilitation, income loss benefits regardless of fault.
Protection when an at-fault driver is uninsured, underinsured, or flees the scene.
Added protection based on how you use your RV. Because there are different classes of RVs, there really isn't such a thing as standard RV insurance. Extra coverage can include appliance warranties, frozen food, lock replacement, emergency vacation expenses, and personal effects.
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Is RV Insurance Required By Law?
If you own a motorized RV that you can drive on the road, it is important to have mandatory protection as it is legally required in Ontario that you have insurance.
What Are The Typical Exclusions in RV Insurance Policies?
While there are plenty of coverages available for your RV insurance, Ontario insurance policies don’t cover absolutely every scenario. Some things that may not be covered under your RV or motor home insurance policy are:
It’s important to examine your policy carefully and speak with your RV or motorhome insurance broker so that you understand what is or isn’t covered under your RV policy.
How Do I Get The Best Rate For RV Insurance?
You can get the best rate for RV insurance by using an insurance broker. They work with dozens of leading insurance companies and can compare RV insurance quotes to find the best coverage at a competitive price! They will help you review coverages and apply any discounts to help you save on your insurance. in most cases it is possible to add motorhome insurance to your standard auto insurance package instead of getting a stand-alone policy. By bundling it together, you can potentially save yourself a bit of money, and you can still get good coverage as long as you add on a few endorsements to round out the package.
Can I Use My Regular Car Insurance or My RV?
Ontario auto insurance policies will extend their liability coverage to your towable RV so long as it is moving and attached to the insured car. Once it is parked or unhooked, it will not be covered by your auto policy. Campgrounds and parks may require proof of insurance, finance/lease requires an RV policy for the full loan term, and rentals require insurance through the rental company or a third-party provider.
Who Needs to Have RV Insurance?
If you own a recreational vehicle of any type, you should purchase an RV or motorhome insurance policy to protect your investment and your financial stability. Without recreational vehicle insurance, you will be left financially responsible for any losses or liability expenses. Given that some luxury motorhomes can run more than $500,000, it can represent a very serious investment.
What Are The Typical Exclusions in RV Insurance Policies?
Standard policies typically exclude: general wear and tear; freezing damage during off-season; mold damage; damage caused by rodents or infestations; maintenance-related issues like leaking seals; restrictions during wildfire seasons; certain customizations or modifications to the RV; RVs with unrepaired damage; extended use outside of Canada; and damage caused as a result of illegal activities. It's important to examine your policy carefully and speak with your RV or motorhome insurance broker.
How Much Ontario RV Insurance Do I Need?
You need enough RV insurance to protect you and your recreational vehicle in the event of loss, damage, or liability claims. Most insurance companies include mandatory protection such as recreational vehicle insurance coverage for total loss replacement, the replacement cost of personal belongings, liability, and emergency expenses. Coverage can extend to emergency vacation expenses, emergency roadside service, and coverage while in the United States.
