Buying an RV and RV Insurance in Canada

If you have dreams of taking to the open road and just traveling, you are not alone. Millions of Canadians have this dream and once you find the right RV, you will have a kind of freedom that is hard to explain unless you have experienced the RV life. Finding the right recreational vehicle in Canada is vital to your travel happiness and satisfaction, and it's especially important to have the right RV insurance. Here is helpful information on buying and insuring your travel vehicle.

Which RV Should We Buy?

What kind of travel do you plan on? Do you like to stay in hotels or motels, or would you rather camp out? Maybe you want to take your home with you and stay out on the road for months at a time. These needs will determine the kind of RV you should buy.

Your travel budget has a great deal to do with your purchase also. If you are only going on a two week vacation each year, you are probably better off renting.


Chances are, you know very little about RV drive systems. Make sure you have a good maintenance plan and if it costs extra, it's probably worth it.


If you are buying a drivable RV, check out fuel economy. This can make a huge difference on a long trip.


Before you bring your RV home, make sure you can park it there. Otherwise, you may have to pay for parking or storage.

Test Drive

One of the best ways to RV shop involves checking out several different types to see which one best fits your lifestyle. Test drive and take your time, and before you sign the papers, you'll need the best motorhome insurance you can find. There are several important things to know about this special insurance.

What is Recreational Vehicle Insurance?

RV coverage is like auto insurance for your recreational vehicle, and you'll need the mandatory coverage items. These needs will depend on the province in which you live.

Who Needs Motor Home Insurance?

These vehicles will require RV type insurance:

  • Class A - these RVs are an entire house in themselves. Most are created on the frames of large over the road busses.
  • Class B - camper vans
  • Class C - Large RVs with cab over sections. They are made like large trucks
  • RV trailers - these are the kind of mobile homes you pull down the road. This is one of the least expensive options because you are paying for all mobile home, and not a motor or transmission.
  • Camping trailers - many of these trailers have pop up type tents included.

What Kind of RV Insurance Do I Need?

Is your RV the kind you drive down the road, or is it towed? If you drive the RV it needs the same kind of insurance as your car, except you'll want to have increased liability coverage. Suppose you live in Ontario, here is the standard insurance you'll need.

  • 3rd party liability - minimal coverage is $200,000 and this pays for damages to other's cars and injury claims
  • DCPD - pays for property damage, and it depends on your "at fault percentage". For example, if you are 50 percent at fault, direct compensation property damage (DCPD) pays for half, and your collision insurance pays the other half.
  • Accident benefits - pays for specific claims like income replacement and physical therapy.
  • Uninsured motorist coverage - protects you if your car is damaged by a hit and run driver or an uninsured driver.
  • Collision coverage - pays for damage to your RV when you are at fault.
  • Comprehensive - covers non traffic accident claims like falling trees, hail, fire, and theft.

Motorhome Insurance Options

Here are some insurance options you may wish to consider:

  • Roadside assistance
  • Emergency expenses - this motor home insurance option will provide money for food, lodging, and emergency travel.
  • Campers liability - this is similar to liability coverage for homeowners, as you RV is your home while you are traveling and you are responsible for what goes on inside.
  • Full time coverage - for those that stay on the road
  • ATV insurance - if you bring your ATVs with you

US Travel

If you plan to see America, you'll want to make sure you RV insurance is in force while you are out of the country. Also, you will not have universal health insurance there, so you should consider a supplemental health insurance policy for US travel. This will pay for those unexpected medical emergencies that can be very expensive.

Make Sure You Get the Right Motorhome Insurance

The RV world is very different than the world of cars and pickup trucks, and so is the insurance. Before you buy your RV, check with an experienced independent insurance agent about your insurance needs.

Why an Independent Agent or Broker?

An insurance broker is not an insurance agent working for an insurance company. He or she is independent and works with many of the top insurers in Canada, to find you the best deals on motor home insurance.

If you need RV coverage choose Barber Stewart McVittie & Wallace. They have more than a century of experience with insurance and you can call them at 416-493-0050 for more details.