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The purpose of recreational vehicle insurance is to protect yourself and your travel trailer from financial and other losses that may result in the event of an accident or other unforeseen event. A camping vehicle can be loads of fun, and over the years, they have come to be known by several different names such as: RV, travel trailer, fifth wheel, camper, camper trailer, campervan, Caravan, towable trailer (or tow-able tent trailer), recreational trailer, mobile home or motor home. The RV has been evolving over many decades now, but unless it is parked permanently in your backyard, it clearly should be insured. Regardless of whether you call it: rv insurance, travel trailer insurance, motorhome insurance, fifth wheel insurance or camper insurance, we can help you to find the least expensive rates.
Recreational vehicle insurance (or RV insurance) is a contract between the RV policyholder and an insurance company, whereby the RV policyholder pays a set premium, and the RV insurance company agrees to pay for any related losses as outlined in the recreational vehicle insurance policy. Depending on the kind of RV in question, and where the camper is located, different kinds of RV insurance may be needed. In short, a trailer located in Alberta and used in connection with an automobile is covered for Third Party Liability and Accident benefits. Collision and/or Comprehensive coverage requires that the trailer be described on the policy at additional cost. If located in Ontario, and used in connection with an automobile, the trailer is covered for Third Party Liability, Accident benefits, Uninsured Automobile and under certain conditions Direct Compensation Property Damage (DCPD). The special conditions for DCPD are that the GVW (gross vehicle weight) is less than 4,500 KG and not designed or used for living in, to carry passengers, or for commercial purposes. Collision and/or Comprehensive and DCPD require the trailer to be described on the policy at additional cost. If the RV is not simply a camper designed for the bed of a pick-up truck, and is drive-able on its own, then the appropriate insurance can typically be obtained via your auto insurance provider.
Recreational Vehicles (RV's) are a class onto themselves, because of their unique characteristics and Included in this special vehicle class are: Recreational vehicles; Converted buses; Motor homes; Camping Trailers; and Campers. As these are vehicles with special purposes which have significantly different characteristics, the factors which determine the nature and cost of insurance are also different.
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