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Recreational vehicle insurance

As the name suggests, recreational vehicle insurance protects your recreational vehicle. This insurance covers losses incurred if the vehicle is in an accident, stolen or vandalized among other perils such as fire and flood.

This type of insurance does not cover your primary vehicle – it only covers hobby or “toy” vehicles like a boat or snowmobile.

Types of recreational vehicles that can be insured

If the vehicle can move from one point to another on its own, it should be insured. 

The central policy used to determine whether you need insurance for your recreational vehicle is whether or not you tow it. A towed vehicle, like a fifth wheel RV, won’t need recreational vehicle insurance.

Some examples of recreational vehicle insurance include:

  • ATV or quad insurance
  • Snowmobile insurance
  • Dirt bike insurance
  • Boat insurance 
  • Side-by-side insurance
  • Motorhome insurance
  • Motorcycle insurance
  • Watercraft insurance
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Who should get recreational vehicle insurance?

Anybody who owns hobby or recreational vehicles should purchase recreational vehicle insurance. Off-road vehicle insurance is just as important as insurance for vehicles that drive on the streets. 

It may not be a federal law to have recreational vehicle insurance in Canada, but it is still in your best interest to make sure you have coverage to protect your investment.

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Recreational vehicle insurance coverage

The main coverage included in recreational vehicle insurance are comprehensive and collision, liability, and under/uninsured insurance.

Comprehensive and collision insurance

Comprehensive and collision insurance covers any physical damage on the recreational vehicle itself. The comprehensive insurance covers theft, falling objects, vandalism, and other physical damages that are not collisions.

Collision insurance covers the physical damage caused by hitting a fixed object , a vehicle or wild life.


Liability will pay the sums that you become legally obligated to pay as “compensatory damages” because of “bodily injury” or “property damage” to which the insurance applies.

Liability insurance is intended to cover  damages that the recreational vehicle caused to someone or somebody’s property. The property insured ranges from the vehicle to anything else that your recreational vehicle may have ruined.

Underinsured and uninsured motorist coverage

This is insurance for if the other party involved in the accident is uninsured or does not have enough to cover the damage. It often acts like an extension of liability coverage.

Total loss replacement

If the recreational vehicle is involved in an accident and damaged beyond repair, insurance covers you for a new recreational vehicle. If the recreational vehicle was more than five years old, you receive the amount the vehicle was declared for on your policy minus the deductibles.

You can also opt not to replace the vehicle but instead get reimbursed for the original cost of the vehicle.

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Understanding replacement value

Replacement value is a recreational vehicle settlement option for vehicles that are less than 25 years old. It states that if your recreational vehicle is a total loss, the insurance company will compensate you up to the value insured on your policy.

This means that you get compensation to buy a new recreational vehicle of the same model at its current rate. Although premium costs for replacement value are high, it can be very worth it in a total loss situation.

Other settlement options for recreational vehicles insurance are:

  • Actual Cash Value: Actual cash value is a settlement option you receive at the current market value. This is the cost that the damaged recreational vehicle could go for if you were to sell it right now. This settlement is cheaper and open to recreational vehicles of all ages and types.
  • Guaranteed Purchase Price: The guaranteed purchase price works only for units less than five years old. In case of damage, you receive the purchase price of the recreational vehicle. However, you may need a bill of sale for you to receive this amount.
  • Guaranteed Replacement Cost: This coverage covers recreational vehicles that are less than ten years old. In case of total loss, the unit is replaced as new. If you prefer to receive money instead, you get the money based on actual cash value.

Insurance companies that we work with to find you the best recreational vehicle insurance:

The cost of recreational vehicle insurance in Alberta

There are many different factors that affect recreational vehicle insurance costs as there are a wide range of vehicles that can be covered with multiple coverage options. Reach out to us today for a free quote to get you started.

Factors that affect the cost of recreational vehicle insurances

The year and model of the vehicle

The year and model affect the value of your vehicle and the coverage options available to you. The newer your recreational vehicle, the more expensive your insurance will be as the replacement value will be higher. 

The condition of your vehicle

Your insurer will assess the condition of your recreational vehicle to help determine its value when you are looking to purchase coverage.

It’s best to do all necessary repairs before the condition of the recreational vehicles is assessed to make sure that the value assessment is correct.

The value of your recreational vehicle

The value of your recreational vehicle is significant when deciding whether to insure it with a replacement value, actual cost value, or agreed value. If you choose to use the actual cost value, you will get compensation based on the actual value of the recreational vehicle in the market right now. 

Generally, the higher the value of the vehicle, the more you will pay for insurance coverage. 

Accident and traffic violations

If you have been involved in accidents or traffic violations before, the insurance company assumes that you are at a higher risk of being in an accident and you will pay more for coverage.

Have a question? We'll reach out.

If you're looking to learn more about what we offer, we'll email or call you to answer any questions you may have. Our team is flexible, approachable, and ready to make the process as easy as possible.

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Get a recreational vehicle insurance quote

Be ready for whatever comes your way with recreational vehicle insurance. Knowing that you have coverage can allow you to use your recreational vehicles with peace of mind because your investment is protected. 

Setting up your insurance is easy, especially with our help. Just get in touch with us today and we can help you find the best policy for you and your toys.

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If you prefer in-person or over the phone, you can always chat with one of our account executives. 

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Recreational Vehicle Insurance FAQs

Is coverage provided for when the recreational vehicles are being transported at the back of a trailer?

Yes. Recreational vehicles are covered if damages happen when the vehicle towing it is involved in an accident.

But the recreational vehicle may not be covered if it is detached from the towing vehicle at the time of the accident.

Is my recreational vehicle covered when in storage?

Coverage for when your vehicle is in storage is optional. This option is not included in the standard rate insurance that you purchase but can be added.

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