Compare cheap quotes for RV insurance for free. Did someone say road trip?

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Don’t let anything interrupt your annual family road trip. Email us at [email protected] and we’ll help you find the cheapest rates on RV insurance — just like that.

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What our users say:

June 9
Raphael = Great customer service!
Raphael answered all my questions, checked for additional deductions, and stayed...
Jayson K
June 7
Very quick and responsive
Very quick and responsive! Keep it up...
Sharon Catubig
June 6
Highly recommended
Very helpful
roselyn Lastname
June 6
Immediate call back with a lower rate
Immediate call back from a polite, knowledgeable and helpful representative, eve...
Pete
June 5
Got a great quote for my insurance
Got a great quote for my insurance. Much lower than other places !!
Pamela
June 5
Very friendly and helpful!
Very friendly and helpful!
Bronwyn McIntosh
June 5
The company is prompt and reach out…
The company is prompt and reach out less than 24 hrs on insurance inquiry.
YOLANDA FRANCISCO
June 5
It was fast,easy and answered my…
It was fast,easy and answered my questions. Polite professional
Rosalie Haslett
June 5
Dan was very friendly and a true…
Dan was very friendly and a true professional. He compared quotes from many diff...
Vito Trentadue
June 3
Great company
Great to work with . They got me the lowest price possible.
THOMAS R WILSON
June 3
Great price
Polite and professional, answered all questions and connected me to the right pe...
Gord Haley
June 3
When I called it was fast answer
When I called it was fast answer, did not put me on hold and an agent answered r...
Asian chic
June 2
Good customer service
Good customer service.
sanjeevkumar patel
June 1
Affordable cost.
Affordable cost.
ED Tymecki
May 30
Rates.ca Experience
Upon asking the insurance quote online, received a prompt follow up from Rates.c...
Eisa Shirgir

Your questions about RV insurance, answered.

Why do I need RV insurance?

From weekend trips to treks across the country, more and more Canadians are hitting the open road in an RV. But most of us are focused on the adventure ahead, not the liability issues or medical expenses that could pop up along the way.

Here’s the problem: while an RV is a home and a vehicle, neither your home nor your standard auto insurance policy covers your RV. You need the proper coverage — RV insurance — if you want to stay protected during your travels.

How does RV insurance work?

Think of your RV insurance as an auto, home, and travel insurance policy all rolled into one — you can get coverage for collisions, bodily injuries, liability, emergency expenses, and more. For example, if your RV is ever compromised, you won’t have to worry about paying for unplanned hotel or transportation costs if you have the right RV coverage.

You’ll also have some peace of mind when it comes to your personal belongings. RV insurance can cover the items inside your RV as well, so if anything (like your electronics, furniture, appliances, etc.) gets stolen or damaged as the result of a covered peril, you can fall back on your policy.

What type of RV can I insure through LowestRates.ca?

You can insure everything from trailers to park models and everything in between, including the following:

  • Motorhomes.
  • Fifth wheels.
  • Travel trailers.
  • Tent trailers.
  • Camper units.
  • Park models.

But while you can insure almost any kind of RV, age is also a factor. Your RV may not be eligible for certain types of coverage (example: guaranteed replacement coverage) if your RV is older than a certain number of years. Of course, those limits are often set by individual insurers.

How do I get a quote?

Just send us an email at [email protected] and we’ll help you find the best RV insurance quote available in your area.

Why should I shop for RV insurance online?

Like any other type of insurance (or any other financial product), RV insurance rates vary from provider to provider. A quick comparison check helps you score the best rate, find the right policy, and spend smart. Plus, shopping for RV insurance online is simple and free. You’ll get the cheapest RV insurance quote in the shortest amount of time.

What kind of coverage does RV insurance include?

Coverage options differ slightly from province to province, but here’s a rundown of what most standard RV insurance policies include. You’ll notice that they’re not very different from auto insurance policies.

  • Third-party liability: Covers third-party injuries, deaths, and damages.
  • Accident benefits: Covers your medical, rehabilitation, and funeral expenses and provides loss of income benefits.
  • Direct compensation property damage (DCPD): Covers damages to your RV and the personal property that’s inside.

Can I add extra coverage to my RV insurance policy?

Yes, of course. You can always add protections that go beyond the basic RV insurance package — just ask the insurance provider to tell you what types of coverage are available in your province. In general, here are some of the insurance add-ons you might consider:

  • Collision: Covers repair or replacement costs if a collision damages your RV (whether that’s a motorhome, trailer, park model, etc.).
  • Comprehensive: Insures your RV against damages caused by fire, flood, vandalism, or another peril that you couldn’t avoid.
  • Contents: Pays to replace the items inside your RV in the event that they’re stolen or damaged.
  • Guaranteed replacement: Covers the replacement cost of your RV if it’s stolen or damaged beyond repair.
  • Alternate transportation: Pays for your car rental (or another form of alternate transportation) if you can’t drive your RV due to damages.
  • Family protection: Extra coverage in case you or a member of your family are injured or killed in an accident involving an uninsured driver.

How do I save money on RV insurance?

Just do the basics — research your options and drive carefully. Here’s a quick guide to getting cheap RV insurance in Canada.

  1. Shop around: Insurance is a competitive industry. Different providers will offer different rates for your RV insurance, so make sure you compare offers before you move forward with a policy.
  2. Travel safely: RVs aren’t your average vehicle — they’re larger, heavier, and taller, which means driving them is a little more difficult. Be cautious on the road and (hopefully) minimize your exposure to risks.
  3. Buy what you need: Extra insurance means extra money. And while it is better to be safe than sorry, it’s also smarter to only pay for the coverage you actually need. Remember: you can consult with an insurance specialist and ask what coverage you should get.