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The Difference Between Car Insurance and RV Insurance
Just like car insurance, motorhomes or camper vans must have mandatory coverage. The mandatory coverage you need will depend on your location and the laws in your province, but it will always include third-party liability coverage. In this way, RV insurance for motorhomes or camper vans is the same as auto insurance. In Ontario, all registered vehicles must have the minimum mandatory coverage, per the Compulsory Automobile Insurance Act.
The differences begin with optional coverages for RVs. Adding enhanced coverage to your policy can help protect your motorhome from any physical damage. There is also coverage available to cover your belongings in your motorhome, personal liability if you park it on a leased or owned lot, and more.
RV insurance is also different from car insurance as it covers both motorhomes and trailers – motorized and non-motorized. While the actual coverage is different, RV insurance applies to both types.
What Does RV Insurance in Ontario Cover?
1. Mandatory Coverage
This insurance covers you against bodily injury and property damage claims from third parties. Let’s suppose you run into a pedestrian while trying to park your RV in a busy campground. They’re hurt and they sue you. In such cases, third-party liability coverage may be available to help with legal costs and damages.
This coverage provides funds for your injuries, income replacement and funeral expenses.
This is also known as uninsured auto coverage. It protects you in case you are involved in an accident with an uninsured driver or a driver who flees the scene. You can still get reimbursement from your RV coverage for any expenses beyond what is allowed by your policy.
Direct compensation for Property Damage (DCPD)
Property damage is covered by the Ontario no-fault insurance program. This means that you will only have to contact your auto insurance company after a motorhome accident, regardless of fault.
2. Optional Coverage
You can choose optional add-ons that will enhance your RV’s coverage beyond what is mandatory in Ontario. Here are some options to increase your peace of mind.
Also called upset insurance, this recommended coverage covers the cost of your RV’s repair or replacement if it is damaged in an accident with another vehicle.
Comprehensive insurance pays for the repair or replacement of your vehicle after it’s been lost or damaged due to a non-collision-related risk. This coverage can also include coverage for theft and vandalism, falling objects and severe weather.
Specified Perils Insurance
This is a less expensive alternative to comprehensive insurance. Your RV will be covered against only the risks specified in your policy.
All Perils Coverage
This package includes both comprehensive and collision insurance. A little more protection is possible as all risks are covered unless otherwise stated in your policy.
Much like a home insurance policy but for RVs, contents insurance protects you against damage or loss to your personal belongings.
3. Extra Endorsements
This endorsement is also known as OPCF 44R. This coverage supplies additional benefits if an at-fault driver does not have sufficient insurance to cover your injuries or your family members.
Loss of Use
The loss of use coverage is to cover the cost of temporary transportation while your RV is being repaired. This endorsement will ensure that you don’t have to cancel your road trip. Your RV policy can pay for a rental.
Emergency Roadside Assistance
You won’t have to go it alone if you need support for your recreational vehicle, including fuel delivery, towing, flat tire changing and battery boosting.
This coverage extends your loss of use and can pay for travel-related costs such as meals and lodging while your recreational vehicle is being repaired.
Full-Time and Camper Coverage
This coverage provides third-party liability protection in an equivalent way to your home insurance. Camper liability protects you from short-term vacations, while full-time liability is for RV owners.
Find out more about RV insurance coverage options when you request a free RV insurance quote now!