Coverage Highlights
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Guaranteed Replacement with brand new model year
If your RV is stolen, or written off due to a covered claim and cannot be rebuilt, we will buy you a brand new, current model RV of similar value and quality to the one that was damaged - providing that your RV is newer than 11 years of age. If you have a partial loss, the damages will be repaired with new parts as required - there is no depreciation on any loss.
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All Risk Coverage (with certain Exclusions*)
OUR All Risk Coverage includes: Collision, Roll Over, Fire, Theft, Vandalism, Wind, Hail, Lightning, Tornado, Water Damage, Spillage, Stainage, Breakage, Etc. This coverage does not include: Manufacturer Defects, Wear and Tear, Rusting, Freezing, Rotting, Mould, Buckling or Cracking, Damage caused by birds or vermin or animals or insects, Mechanical Breakdown, Leaks, etc.
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Personal Property up to $5,000 with Replacement Cost
Personal Property are items considered normal to an RV, such as Pots, pans, dishes, linens, bedding, movies, camping accessories, etc. It does not include items such as jewellery, computers, collectables, sporting goods, firearms, money, etc.
- Outbuildings(decks, out-houses, etc.) up to $5,000
- Fire Department Charges up to $500
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Emergency Vacation Expense: $200 daily up to $2,000
We cover hotel or an RV rental expense while your RV cannot be used due to a claim.
- Full Replacement Cost on all equipment, tires, awnings, etc.
- Emergency Road Service - This will cover you for breakdown/towing, winching, fuel deliver, lock-out, flat tire repair, trip planning and legal assistance up to $500. *Only covered if you add the extra charge to your quote.
- NOTE: For motorhomes you MUST purchase your 3rd Party Liability coverage through ICBC, please contact your local registry for this portion of the coverage as we do not offer this.
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Replacement Cost on the unit and equipment up to the policy limit
If your RV is stolen, or written off due to a covered claim and cannot be rebuilt, we will buy you a brand new, current model RV of similar value and quality up to the value that you have insured your RV for. It doesn't matter how old your RV is, we will replace it with a new RV. If you have a partial loss, the damages will be repaired with new parts as required - there is no depreciation on any loss.
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All Risk Coverage (with certain Exclusions*)
OUR All Risk Coverage includes: Collision, Roll Over, Fire, Theft, Vandalism, Wind, Hail, Lightning, Tornado, Water Damage, Spillage, Stainage, Breakage, Etc. This coverage does not include: Manufacturer Defects, Wear and Tear, Rusting, Freezing, Rotting, Mould, Buckling or Cracking, Damage caused by birds or vermin or animals or insects, Mechanical Breakdown, Leaks, etc.
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Personal Property up to $2,500 with Replacement Cost
Personal Property are items considered normal to an RV, such as Pots, pans, dishes, linens, bedding, movies, camping accessories, etc. It does not include items such as jewellery, computers, collectables, sporting goods, firearms, money, etc.
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Emergency Vacation Expense: $100 daily up to $1,000
We cover hotel or an RV rental expense while your RV cannot be used due to a claim.
- Outbuildings (decks, out-houses, etc.) up to $2,500
- Fire Department Charges up to $500
- Full Replacement Cost on all equipment, tires, awnings, etc.
- Emergency Road Service - This will cover you for breakdown/towing, winching, fuel deliver, lock-out, flat tire repair, trip planning and legal assistance up to $500. *Only covered if you add the extra charge to your quote.
- NOTE: For motorhomes you MUST purchase your 3rd Party Liability coverage through ICBC, please contact your local registry for this portion of the coverage as we do not offer this.
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Market Value on the unit and equipment up to the policy limit
When you insure your RV for Market Value, you choose a value that you could reasonably sell your RV for today. You are NOT guaranteed the value you choose, but you are insured UP TO the amount that you have chosen. In the event of a partial loss, you will be paid a portion of your claim and you will have to pay a portion of the claim out of your own pocket. For example: If you have a small kitchen fire and your RV is 15 years old and the damages to repair everything will cost $10,000.00, your insurance company will pay you approximately $5,000.00 and you will have to pay the rest. If your RV cannot be repaired, they will pay you what you could reasonably expect to sell it for, prior to the fire damage, but this value may vary, depending on the condition, equipment and time of year that it was damaged.
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Named Perils Coverage
OUR Named Perils Coverage includes: Fire, Lightning, Explosion, Falling object, Riot, Vandalism, Wind, Hail, Tornado, Collision, Theft, Roll Over. This coverage does not include: Flood or water damage, Glass, Manufacturer Defects, Wear and Tear, Rusting, Freezing, Rotting, Mould, Buckling or Cracking, Damage caused by birds or vermin or animals or insects, Mechanical Breakdown, etc.
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Personal Property up to $2,500 with Depreciation Charges
Personal Property are items considered normal to an RV, such as Pots, pans, dishes, linens, bedding, movies, camping accessories, etc. It does not include items such as jewellery, computers, collectables, sporting goods, firearms, money, etc.
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Emergency Vacation Expense: $100 daily up to $1,000
We cover hotel or an RV rental expense while your RV cannot be used due to a claim.
- Outbuildings (decks, out-houses, etc.) up to $2,500
- Fire Department Charges up to $500
- Market Value coverage on all equipment, tires, awnings, etc.
- Emergency Road Service - This will cover you for breakdown/towing, winching, fuel deliver, lock-out, flat tire repair, trip planning and legal assistance up to $500. *Only covered if you add the extra charge to your quote.
- NOTE: For motorhomes you MUST purchase your 3rd Party Liability coverage through ICBC, please contact your local registry for this portion of the coverage as we do not offer this.
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Coverage Highlights for Full-Time RV'ers
IF YOU LIVE IN YOUR RV FULL TIME, WE WILL PROVIDE NECESSARY COVERAGE FOR YOU, INCLUDING:
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$15,000.00 regular contents, INCLUDING:
2,500.00 Incidental business property
2,500.00 Computer software
2,000.00 Securities and certain valuable documents
250.00 Money
2,000.00 Watercraft
1,000.00 Spare auto parts
2,500.00 Jewellery
500.00 Coin Collections
2,000.00 Stamp Collections
2,000.00 Silverware
500.00 Bicycles
1,000.00 Collectibles
500.00 CD's, DVD's, etc.
200.00 Counterfeit money
500.00 Reward coverage
2,000.00 Items in a Safety Deposit Box
5,000.00 Credit Card, ATM fraud
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$2,000,000 Personal Liability
This covers you should another party sue you for damages or injuries that you may have accidentally caused, through your actions, such as golfing, hunting, fishing, riding a bicycle, starting your bar-b-que, etc.
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General Highlights for All of the Above Policy Options
EMERGENCY ROAD SERVICE: For a small price, you can have protection in the event of a breakdown. This valuable coverage will pay for towing for a breakdown, winching if you are stuck, flat tire service, lock - out service, battery boosts, trip planning, fuel delivery and more up to $500.
COMPLETE HAIL COVERAGE - NO PUNCTURE CLAUSE (Some insurers will not cover hail unless it punctures the exterior!)
NO PATCH CLAUSE ON AWNINGS & SIDING (Some insurers will only patch awnings and siding and not replace or repair properly!)
WATER DAMAGE AND ROOF LEAKAGE (Limited Roof leakage and Water Damage coverage is provided. Most insurers automatically EXCLUDE all leakage and water damage.)
CERTIFIED RV APPRAISERS ON STAFF (Most insurer use an auto or house insurance appraiser that doesn't understand how to repair an RV properly!)
EXPRESS CLAIMS REPORTING: If you provide your license plate number to us and keep our emergency claims bumper sticker on your RV, we are able to handle any incident reported to us on your behalf, even if you cannot call us. (Most insurers have to talk to you personally, thereby delaying your claim unnecessarily.)
EXPRESS CLAIMS HANDLING: Through the RV Direct Program, we work directly with your Dealer to make sure repairs are done right the first time.
EMERGENCY CLAIMS HELP LINE: Whether you are traveling abroad or still at home, call 1-866-278-1044 anywhere in North America 24 hours per day, 7 days per week for any claims issues that you may have.
*Exclusions on all policies are standard clauses as approved through the British Columbia Insurance Act.
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