RV Insurance for Canadians

There are a variety of types of vehicles covered under the umbrella of recreational vehicle (RV) insurance including travel trailers, motor homes, tent trailers, truck campers, park models, and fifth wheel trailers.

Canadian Companies Offering RV Insurance

Kanetix – According to their website, Kanetix provides insurance for RVs, camper vans, towable tent trailers, fifth wheels, travel trailers, camper trailers, mobile homes or motor homes. They offer vehicle insurance products in two Canadian provinces: Ontario and Alberta. They also offer insurance products in the United States.

Wayfarer Insurance Brokers – Owned by Aviva Canada, Wafarerer is a specialty recreational vehicle insurance provider. Their insurance is underwritten by the Elite Insurance Company. Wayfarer offers claims support 24 hours a day, 7 days a week. The company has been offering RV insurance since 1989. They have a section on their website about planning an RV trip to South America. According to their website 100,000 people in Canada have insured their recreational vehicle with Wayfarer. To get a quote for insurance visit the Wayfarer website or phone them toll free at 1-800-461-0318.

CAASCO – The RV coverage provided by CAA protects you across Canada and throughout the United States. They offer a personal liability coverage of $2 million and coverage for the replacement costs of any RVs that are less than five years old (although some conditions do apply). CAA is a great option for insuring your motorized RV, towable RV, or park model.

RBC Insurance – RBC offers discounts when you insure your towable RV, along with the vehicle you are using to tow that RV (usually a large pickup truck or SUV). According to their website a discount of up to 14% may apply, which means it is worth your time getting a quote for RV insurance from RBC.

Types of Recreational Vehicles

There are lots of popular recreational vehicle categories according to the Canadian Standards Association.

Motorized RV

  • Class A (Motorhome) – Motorhomes are the largest of the motorized recreational vehicle class.
  • Class B (Camper Van) – This is a conventional van featuring a raised roof.
  • Class C (Mini-Motorhome) – These are smaller than Class A vehicles but larger than Class B. These units typically have a cab section attached.

Towable RV

  • Truck Camper – This a unit that is affixed to a pickup truck bed. It usually has a sleeping compartment that is above the cab of the truck.
  • Tent Trailer – These are smaller units that collapse down when you are traveling. They are sometimes called pop-up tents.
  • Travel Trailer – This unit is one of the more traditional models and is usually towed behind a truck or van.
  • Fifth-Wheel Trailer – These are two level units towed behind a large pickup truck.
  • Sport Utility Trailer – This is a larger model with living quarters in the front section and a storage area in the rear. The storage area is sometimes used to transport animals or vehicles.
  • Expandable Trailer – This is similar to a traditional travel traveler except it has foldout area at each end. These foldout sections are often used as sleeping areas.

There are also a number of types of park models including the Park Model Trailer 102 and the Park Model Recreational Unit.

To learn more about some of the more popular manufacturers and sellers of RVs in Canada please visit the websites of CanaDream, Traveland, Jayco, Airstream, Northwood Manufacturing, Fleetwood RV, Komfort, Open Range, Winnebago Industries, and Coachmen.

For more information about standard auto insurance please use our website.