Recreational vehicles (RVs) offer the freedom to explore Canada’s vast landscapes, from the Rockies to the Atlantic coast, with the comforts of home on wheels. However, owning an RV comes with responsibilities, including securing the right insurance to protect your investment. In Canada, there are several insurance providers that offer tailored RV insurance policies designed to meet the unique needs of RV owners. This article will explore the 8 best RV insurance options in Canada, highlighting their features, benefits, and what sets them apart from the competition.
1. Aviva Canada RV Insurance
Aviva Canada is a leading insurance provider with a comprehensive RV insurance policy designed to cover a wide range of recreational vehicles, including motorhomes, campervans, and travel trailers.
Key Features:
All-Risk Coverage: Aviva offers all-risk coverage, which includes protection against common perils like fire, theft, vandalism, and collision.
Replacement Cost Coverage: For new RVs, Aviva provides replacement cost coverage, which means you can replace your RV with a new one without depreciation if it’s totaled within a specific time frame.
Personal Belongings Coverage: This policy also covers personal belongings within the RV, ensuring that your possessions are protected whether you’re on the road or at a campsite.
Emergency Roadside Assistance: Aviva’s RV insurance includes 24/7 roadside assistance, which can be a lifesaver in case of a breakdown during your travels.
Why Choose Aviva? Aviva is known for its customer-centric approach and offers customizable coverage options, allowing you to tailor the policy to your specific needs. Their strong reputation in the insurance industry and comprehensive coverage options make them a top choice for RV owners in Canada.
2. TD Insurance RV Coverage
TD Insurance, one of Canada’s largest and most trusted insurance providers, offers robust RV insurance coverage designed to protect both the vehicle and its occupants.
Key Features:
Comprehensive Coverage: TD Insurance offers comprehensive coverage that includes protection against a variety of risks such as fire, theft, and vandalism.
Liability Coverage: TD Insurance provides liability coverage, which protects you in case you’re found legally responsible for causing injury or damage to others while using your RV.
Optional Endorsements: TD offers optional endorsements, such as increased liability limits and coverage for additional personal belongings.
Discounts: TD Insurance offers discounts for bundling RV insurance with other policies, safe driving, and installing safety devices like alarms and anti-theft systems.
Why Choose TD Insurance? TD Insurance is a well-established name in the Canadian insurance market, offering reliable and extensive coverage options for RV owners. Their competitive pricing and the ability to bundle policies make them an attractive option for those looking to save on their insurance premiums.
3. Desjardins RV Insurance
Desjardins Insurance is another reputable provider in Canada, offering specialized RV insurance coverage that can be customized to suit different types of recreational vehicles.
Key Features:
All-Inclusive Coverage: Desjardins provides all-inclusive coverage that protects your RV against a wide range of risks, including natural disasters, theft, and vandalism.
Extended Coverage Options: Desjardins offers extended coverage options for personal belongings, emergency expenses, and liability.
Flexible Payment Plans: Desjardins provides flexible payment plans, making it easier to manage your insurance premiums.
Travel Protection: Their policies include travel protection, which covers trip cancellations, interruptions, and other unexpected events that could disrupt your travel plans.
Why Choose Desjardins? Desjardins is known for its excellent customer service and flexible policy options. Their focus on providing comprehensive coverage with optional add-ons makes them a great choice for RV owners who want to ensure they have full protection while on the road.
4. Intact Insurance RV Coverage
Intact Insurance is one of Canada’s largest providers, offering a wide range of insurance products, including RV insurance. Their policies are designed to cover various types of RVs, from motorhomes to trailers.
Key Features:
Comprehensive and Collision Coverage: Intact Insurance offers both comprehensive and collision coverage, protecting your RV from a variety of risks, whether it’s stationary or on the move.
Liability Coverage: This includes liability coverage for bodily injury and property damage, ensuring you’re protected if you’re found responsible for an accident.
Contents Coverage: Intact also covers the contents of your RV, including personal items and equipment, giving you peace of mind that your belongings are protected.
Emergency Expenses Coverage: If your RV becomes uninhabitable due to a covered event, Intact provides coverage for additional living expenses, such as hotel stays and meals.
Why Choose Intact Insurance? Intact Insurance is highly regarded for its broad coverage options and reliable customer service. Their policies are designed to offer maximum protection for RV owners, making them a solid choice for those seeking comprehensive coverage.
See Also: Will RV Insurance Cover Water Damage?
5. The Co-operators RV Insurance
The Co-operators is a Canadian insurance company known for its community-oriented approach and customizable insurance policies. Their RV insurance is no exception, offering tailored coverage to meet the needs of different RV owners.
Key Features:
All-Risk Coverage: The Co-operators provide all-risk coverage, protecting your RV against a wide range of potential hazards, from natural disasters to theft.
Liability Protection: Their policies include liability protection, which covers you in case you’re responsible for an accident that causes injury or damage to others.
Replacement Cost Coverage: For new RVs, The Co-operators offer replacement cost coverage, ensuring you can replace your RV with a new one if it’s written off.
Travel Assistance: They also provide travel assistance services, including trip interruption coverage and emergency expenses.
Why Choose The Co-operators? The Co-operators are known for their commitment to customer service and community involvement. Their customizable RV insurance policies, combined with their focus on providing value, make them an excellent option for RV owners who want personalized coverage.
6. Allstate Canada RV Insurance
Allstate Canada offers a range of insurance products, including RV insurance, that is designed to provide comprehensive coverage for your recreational vehicle.
Key Features:
Comprehensive Coverage: Allstate provides coverage for a variety of risks, including collision, theft, fire, and vandalism.
Liability Protection: Their policies include liability protection, ensuring you’re covered if you’re found responsible for causing injury or damage to others.
Roadside Assistance: Allstate offers 24/7 roadside assistance, which can be invaluable if you encounter mechanical issues while traveling.
Customizable Options: Allstate allows you to customize your RV insurance policy with various add-ons, such as increased liability limits and coverage for additional personal belongings.
Why Choose Allstate Canada? Allstate Canada is known for its strong reputation and customer service. Their comprehensive coverage options, combined with the ability to customize your policy, make them a popular choice among RV owners looking for reliable protection.
7. Wawanesa Insurance RV Coverage
Wawanesa Insurance is a trusted name in the Canadian insurance industry, offering a range of products, including RV insurance. Their policies are designed to provide broad coverage for different types of recreational vehicles.
Key Features:
Comprehensive and Collision Coverage: Wawanesa offers comprehensive and collision coverage, protecting your RV from a variety of risks, whether it’s stationary or on the road.
Personal Belongings Coverage: Their policies also cover the personal belongings within your RV, ensuring your possessions are protected.
Liability Coverage: Wawanesa provides liability coverage, protecting you in case you’re responsible for causing injury or damage to others while using your RV.
Emergency Travel Coverage: If your RV becomes uninhabitable due to a covered event, Wawanesa offers coverage for emergency travel expenses, such as accommodation and meals.
Why Choose Wawanesa Insurance? Wawanesa Insurance is known for its reliability and customer satisfaction. Their comprehensive RV insurance policies, combined with their commitment to providing excellent service, make them a top choice for RV owners in Canada.
8. CAA (Canadian Automobile Association) RV Insurance
CAA is well-known for its roadside assistance services, but they also offer comprehensive RV insurance coverage designed to protect your vehicle and its occupants.
Key Features:
Comprehensive Coverage: CAA offers coverage for a wide range of risks, including theft, fire, vandalism, and collision.
Liability Protection: Their policies include liability protection, covering you in case you’re found responsible for an accident that causes injury or damage to others.
Roadside Assistance: CAA’s RV insurance includes their renowned roadside assistance services, providing you with peace of mind on the road.
Discounts: CAA offers discounts for members, safe driving, and bundling policies, helping you save on your insurance premiums.
Why Choose CAA RV Insurance? CAA is a trusted name in Canada, known for its exceptional roadside assistance services. Their RV insurance policies are comprehensive and come with the added benefit of CAA membership, making them a great option for RV owners looking for both coverage and peace of mind.
Conclusion
Choosing the right RV insurance in Canada requires careful consideration of your specific needs, the type of RV you own, and how you plan to use it. Each of the 8 insurance providers highlighted in this article offers comprehensive coverage designed to protect your RV, whether you’re on the road, at a campsite, or storing it during the off-season.
When selecting an RV insurance policy, it’s important to compare the different features and benefits offered by each provider, consider any available discounts, and evaluate the customer service reputation of the insurance company. By doing so, you can ensure that you choose the best RV insurance to protect your investment and enjoy worry-free travels across Canada.
