Kelowna Motorhome Insurance

Relax and enjoy your adventures around Kelowna while knowing you’re protected. Get a free online Kelowna motorhome insurance quote!
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Kelowna is based right on the shores of Lake Okanagan and is a popular destination choice for many motorhome enthusiasts. People come from all over Canada to spend their summer vacations there, enjoying the nature and outdoor activities the community has to offer.

One of our most frequent claims for the Kelowna area is hitting animals. Imagine if you’re driving on Highway 97 on the way to your campsite for the weekend and a deer darts out in front of you across the road. Are you covered if you hit the deer?

Motorhome insurance in Kelowna can help cover the costs of an accident and help you get back to camping after an unexpected disaster. Get a motorhome insurance quote in Kelowna or keep reading to learn more about this valuable coverage.

Why Insure your Kelowna Motorhome Insurance with RV Direct?

You should insure your Kelowna motorhome with RV Direct because:

  • Our staff are experts in Kelowna motorhome insurance. We know the policies inside and out and can answer your questions.
  • We can get the coverage you need for a price you can afford.
  • We’re independent which means we work for you and not an insurance company.
  • We advocate for you.
  • We’re campers ourselves, so we’re truly part of the community and lifestyle.

Talk to one of our knowledgeable Kelowna motorhome insurance brokers today!

How to Get a Motorhome Insurance Quote in Kelowna

You can get a motorhome insurance quote in Kelowna with RV Direct by:

You can also email us at [email protected] if you need more information.

How does motorhome insurance work in Kelowna?

How motorhome insurance works in Kelowna will depend on how you use your motorhome as that directly affects the type of coverage you need. If you have not permanently parked your motorhome, you’ll require ICBC insurance for the driving third party liability portion of your coverage. Your motorhome insurance through RV Direct will cover your contents and personal liability (if needed for full-timers).

What is covered by motorhome insurance in Kelowna?

What’s covered by motorhome insurance in Kelowna will depend on your individual needs. If you are a BC resident, you are required by law to carry third party liability and accidents benefits coverage through ICBC if your motorhome is not permanently parked. Any vehicle driving on BC roads must have this coverage, although it does not need to be through ICBC.

Your Kelowna motorhome insurance can also cover physical damage to your motorhome and its contents. This damage can include:

  • Fire
  • Smoke
  • Lightning
  • Hail
  • Wind
  • Collision
  • Theft
  • Vandalism
  • … and more!

Your policy documents will outline what is and what isn’t covered. You can always ask your motorhome insurance broker in Kelowna if you have any questions.

Kelowna Motorhome Insurance for Full-Timers

If you live in your motorhome full-time, you’ll require a special Kelowna motorhome insurance policy. This will provide personal liability and extended contents and outbuilding physical damage protection Talk to one of our brokers to see if your situation qualifies or for more details.

What affects motorhome insurance rates in Kelowna?

Here are some of the factors that affect motorhome insurance premiums in Kelowna:

  • Type of motorhome
  • Size of motorhome
  • Value of motorhome (market price or original purchase price)
  • Your motorhome’s make, model and year
  • How you use your motorhome
  • If you travel to the US
  • If you’ve parked your motorhome
  • Security features
  • Your driving record
  • Your insurance history
  • Your insurance options including deductible, loss settlement, policy limits and coverages

Talk to one of our experienced Kelowna motorhome insurance brokers for more details and learn how you can save on your premiums.

Frequently Asked Questions About Kelowna Motorhome Insurance

Here are some of our most frequently asked questions about motorhome insurance in Kelowna.

Do I need ICBC coverage for my motorhome in Kelowna?

If you are a resident of BC, you will need ICBC insurance for your motorhome in Kelowna. This will cover the required insurance for driving your motorhome on BC roads.

If you are not a resident of BC, you do not need to purchase this coverage through ICBC.

Do you insure all motorhome classes in Kelowna?

Yes, we can insure Class A, Class B and Class C motorhomes in Kelowna. There may be some exceptions, such as a previously damaged motorhome or one used for commercial purposes.

Do I need to insure my motorhome year-round in Kelowna?

Yes, you should insure your motorhome year-round in Kelowna. This is for a few reasons:

  1. Damage to your motorhome can happen at any time, even if it’s in a secure storage facility.
  2. Our policies are designed to be annual.
  3. You can be penalized through higher insurance rates or if you cancel each year.