Good weather is on the horizon, and the temptation to explore the great outdoors comes with it. As recreational vehicles (RVs) increase in popularity, more and more people are getting away for a weekend, a season, or even adopting RVing as a lifestyle. No matter how you plan to use your RV, you’ll need the proper insurance to cover any damage or risks that may arise en route. In this article, we’ll look at some questions you should ask before choosing insurance for your RV.

How much travelling are you expecting to do?
Whether your RV is a motorhome, fifth-wheel camper, travel trailer, or tent trailer, you’ll most likely be taking it on the road – where risks are generally higher than at a campground. The further you travel, the more critical it is to have access to roadside assistance, a replacement vehicle, or emergency accommodation if you break down.

How often and where will you be using your RV?
The coverage you need depends on specific circumstances. Will you spend the summer at a campground or only stay in the RV occasionally? Your answer will influence your coverage.

Will you be travelling outside Ontario or Canada?
It's important to note that a change in jurisdiction, such as travelling outside the province or country, may impact your insurance coverage, especially when it comes to civil liability. How long you'll be away is also a significant factor. Discuss these details with your insurance broker to ensure your coverage meets your needs during your out-of-province trips.

What are you planning to do with your RV during the winter?
Of course, if you follow the sun and live in your RV year-round, your coverage will have to extend outside Canada. Otherwise, you'll need to think about storing your RV. This involves draining the water system, protecting your tires, saving the batteries, adding a fuel stabilizer, etc. Remember to let your insurance broker know you've done this. Coverage against fire, theft, vandalism, or other events that may occur while your RV is in storage is essential. Storage companies usually request this to ensure you're fully prepared for unforeseen circumstances.

What will you be bringing with you in your RV?
It's no secret that you shouldn't leave valuables in your vehicle. However, it's a little different when you live in an RV 24 hours a day. Are you bringing a TV with you? A laptop? A bicycle? A state-of-the-art camera? Appliances, equipment, and furnishings can be pricey, too. Be sure to carefully consider what you'll take and check with your insurance broker whether you have enough coverage for your belongings. Your RV insurance should cover both your vehicle and its contents.

This summer break is the perfect time to travel around Ontario in your RV. If you're a current OTIP policyholder, contact us at 1-833-615-9329 to review your existing RV insurance policy. If you're not insured with OTIP and are shopping for RV insurance or a policy for any other leisure products, including motorcycles, watercraft, and ATVs, call us at 1-833-494-0085 to get a quote and receive a $20 gift card of your choice!