RV and recreational vehicle insurance
Recreational vehicles come in many forms and need coverage that reflects how they are used. A stationary motorhome used as a primary home, whether owned or rented, may need residential-style coverage. Campers and caravans can require specialist insurance because ordinary auto coverage may not cover the belongings kept inside.
Off-road vehicles have their own insurance needs, including liability arising from use and optional protection for collisions, fire, theft and other covered events.
- Compare policy features, limitations and exclusions as well as price.
- For an older vehicle, ask whether adjusting comprehensive or collision coverage, or choosing a higher deductible, would be appropriate for the vehicle's value and your circumstances.
- If you often travel to the United States, ask whether a $2 million liability limit or another suitable limit would be appropriate.
Motorcycle insurance
Motorcycle owners should confirm the insurance required for riding in Ontario, including applicable liability, accident and uninsured-motorist protection. Ask how your policy responds to hit-and-run accidents and collisions involving uninsured drivers.
Comprehensive and collision coverage may be particularly worth reviewing for new or vintage motorcycles. Tell your broker about modifications and specialist bikes. A-Z Insurance can help review suitable coverage, endorsements and available discounts.
Boat and personal watercraft insurance
A home policy may provide limited protection for small boats such as kayaks or canoes. A larger boat or a personal watercraft, such as a jet ski, may need a separate policy. Boat insurance can be arranged for the vessel, attached equipment such as GPS and a trailer, using actual cash value or an agreed value where offered.
Review liability protection for injuries to passengers and damage caused to others, together with the policy's conditions and exclusions.
- Check the size, motor power and value limits on any boat coverage provided by your home insurance.
- Confirm the permitted navigation area and whether transporting the boat over land or taking it beyond that area requires additional coverage.
- Review off-season coverage based on where and how the boat is stored.
- If you frequently travel to the United States, discuss whether higher liability limits would suit your needs.
Important coverage information
This information is a general reference only. Coverage availability, eligibility, limits, deductibles, exclusions and claims are governed by the insurer's policy wording and any applicable endorsements. Ask your broker to confirm the terms for your situation.
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