RV insurance
What different types of coverages are available?
When it comes to RV insurance insurance, there are basic coverages you can take out along with additional protections.
There are so many great spots to camp throughout Quebec. From lakes, mountains, parks, trails and waterfalls, there are endless options for all ages to enjoy.
And all this natural beauty can be explored in any kind of RV, from motorhomes, tent trailers, fifth wheels and more.
At BC ASSUR, we’re committed to getting you the best coverage and giving you the peace of mind you need to enjoy all our gorgeous province has to offer.
To get an RV insurance quote, give us a call us to find out all about the coverages we offer, or request an online quote in just a few clicks!
BC ASSUR, your outdoor partner.
BC ASSUR, your partner on the road.
At BC ASSUR, we know that our nature-loving RV clients are used to spending hours on the road in their motorhomes and trailers. That’s why we’re committed not only to protecting your RV, but also to giving you top-notch advice and service.
Our specialized brokers are here for you every step of the way. We help you choose the right RV insurance while delivering fast, effective support in the event of a claim. So you can take to the road with peace of mind.
Contact us today to speak to one of our specialized brokers and get an RV insurance quote in no time at all!
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Get a quote for your RV
Before you hit the road with your camper or trailer, make sure you have the right RV insurance so you’re covered in the event of a loss.
With a quote from BC ASSUR, you get advice from our specialized RV insurance brokers, who will thoroughly explain what you need to do, the essential coverages you’re required to have, and various other options. We work with the best insurance companies on the market to offer you a wide choice of coverages at very competitive rates.
With their kind, caring attitude and willingness to proactively listen to what you need, our professionals work with you to help you choose the right insurance for your RV and travel plans.
Contact us today to get your RV insurance quote! Our brokers will be happy to answer any questions you have and give you the advice you need to get the best RV insurance for you.
Types of RVs:
If you’re new to recreational vehicles, you should know that there are two main types of RVs:
Travel trailers: These RVs, which are big enough to live in, are towed behind a vehicle and can be parked on their own. To ensure a smooth ride, the vehicle needs a towing capacity of close to 150kg more than the trailer weighs.
Different types of travel trailers:
Basic trailers: These can be easily pulled when hitched to the back of a car or other vehicle and parked at a campsite.
Fifth-wheel trailers: These are easy to attach to a truck via a hitch mounted in the middle of the truck bed.
Tent trailers (also known as pop-up trailers and folding camping trailers): These are easy to tow (with an SUV or van) and store thanks to their folding canvas and frame.
Truck campers (also known as truck bed campers, slide-in campers, pickup campers, and cabover campers): These one or two-storey RVs attach to the top of a pickup truck and are sturdy and often lightweight.
Contact us today to speak to one of our specialized brokers and get an RV insurance quote in no time at all!
Contact us today to speak to one of our specialized brokers and get an RV insurance quote in no time at all!
Motorhomes: These RVs provide transportation and living accommodations in one. This makes them self-contained, with their own water, electricity and heating, so you don’t have to make as many stops on the road.
Motorhome models include:
Class C motorhomes: These feature a cockpit separated from a larger living area.
Class B motorhomes: The driving and living areas aren’t separated, so the rear seats can go back into the living area.
Class A motorhomes: These RVs are like a large luxury bus, with both parts of the vehicle fully integrated.
What RV insurance coverages are available?
There are basic coverages you can take out along with optional protections in the event of loss or damage to your RV.
Basic covergaes :
Mandatory liability coverage:
An important first step is taking out legally required liability insurance from a minimum of $1,000,000 to a maximum of $2,000,000. This insurance covers losses, such as bodily injury or physical damage, caused by your vehicle.
This proof of insurance must be kept in your RV, as it can be requested at any time by a police officer or provincial agent.
All perils:
Covers all types of losses that can cause damage to your RV and to equipment and accessories.
Collision or upset:
Covers damage caused by impact with another vehicle or if your RV flips over. Also covers damage to equipment and accessories and includes vehicle breakdown.
Comprehensive:
Covers you in the event of theft, fire, vandalism or hail.
Specified perils:
This coverage is more limited to specific risks such as theft and fire.
Optional coverages:
There are additional coverages you can take out that offer extra protection in the event of a claim. You can add endorsements to your basic RV insurance policy, such as:
Waiver of depreciation:
In the event of a total loss claim, this endorsement offers replacement value if your new RV is stolen or damaged beyond repair, depending on the coverage you choose (2, 3 or 4 years).
A noter qu’il y a une erreur dans le français (en cas perte au lieu de “en cas de perte”).
Roadside assistance:
Another endorsement you can add to cover breakdowns, fuel delivery, boosts and even towing expenses if you’re unable to use your RV due to a covered loss.
Personal effects:
You can also protect personal belongings transported in your RV in the event of a claim by adding this special endorsement.
For more information, contact us today to get an RV insurance quote and expert advice from our specialized brokers!
Benefits of getting an RV insurance quote from BC ASSUR:
At BC ASSUR, we care about your peace of mind and work hard to keep you satisfied. When you contact one of our brokers for an RV quote, you get all these benefits and more:
Easy process: Our specialized property and casualty insurance brokers handle every step of the RV insurance quote process for you. With just one phone call, they’ll get all the information they need from you, compare quotes and set up your policy.
Expert advice: Our brokers are insurance specialists. They can help you understand the various coverage options and conditions and make an informed decision.
Follow-up: Our insurance brokers can help you keep an eye on your insurance policy. They’ll let you know of changes in rates, coverages and conditions to make sure you always have the coverage you need.
Wide selection: We have access to a wide range of insurance options with various insurance companies, so you can compare products and choose the one that’s right for you.
Savings: We often have special agreements with the many insurance companies we work with, so we can negotiate better rates for our clients.
After-sales service: In the event of a loss, our insurance brokers can help you navigate the claims process with the insurance company and get a fast, fair settlement.
BC ASSUR, BC ATTITUDE!
Contact us today for an RV insurance quote. Our brokers will be happy to answer any questions you have and give you the advice you need to get the best RV insurance for you.
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