If you want to fully enjoy your lifestyle, it’s reassuring to know that your motor home is adequately insured.
Here’s how it works.
A motor home is generally defined as a self-propelled vehicle containing living quarters that are an integral part of the vehicle and not removable. Since the legal definition of a motor home may vary from one province to another, please refer to the legislation in your province to determine whether your vehicle qualifies as a motor home and to learn more about your responsibilities.
Much like car insurance, motor home insurance is mandatory, subject to certain exceptions.
The mandatory insurance coverage includes liability coverage in the event that you are legally liable for bodily injury or property damage caused by the use or operation of your motor home, and it may also include Accident Benefits (and also Direct Compensation – Property Damage and Uninsured Automobile) coverage for medical expenses and loss of income, as well as other coverage depending on your province. This does not apply to the province of Quebec.
You can also purchase additional voluntary coverage for your motor home. The options include comprehensive, which is protection namely against fire, theft and vandalism, and collision, which is coverage for damage to your vehicle caused by a collision with another object or by upset.
- You must be a licensed driver of a private passenger vehicle.
- Your motor home is used for recreational purposes only, not driven to and from work and not used as a permanent residence.
- Your motor home is not used outside of Canada for more than 6 months.
- You reside in Alberta, Yukon, Northwest Territories and Nunavut, Ontario, Quebec or an Atlantic province.
- Your motor home’s value is less than $200,000.
For more details on eligibility visit our restrictions section.