What RV insurance coverage includes for drivers in British Columbia
RV ownership opens the door to unforgettable travel experiences across British Columbia, but it also comes with insurance requirements and risks to consider. Whether you own a motorhome, fifth wheel, travel trailer, or tent trailer, RV insurance helps protect a significant investment. From weekend camping trips to extended summer road adventures, the right coverage ensures your RV and belongings are protected while you enjoy the journey.
When you purchase an RV in British Columbia, it must be registered and insured through ICBC. RV insurance is available through us by phone, email, or in person at any of our locations across the province. Our advisors help you understand your ICBC RV insurance options and choose coverage that fits how and where you travel.
With years of experience supporting RV owners across BC, we know every RV lifestyle is different. Some RV owners head out to nearby campgrounds on weekends, while others take longer trips across Canada. No matter how you travel, our local insurance experts can help you find RV insurance coverage that gives you peace of mind.
Protecting what matters most to you and your family is always the priority. Our insurance advisors are here to make sure you are properly covered, so you can focus on enjoying the open road and making lasting memories.
Why Choose Westland?
We know that your insurance needs to match your goals, your lifestyle and your budget. Our expert auto insurance advisors get to know you, so that they can tailor a policy to your exact needs.
We’ll find the best coverage for you at the right price so that you can continue to live your life the way you want to.
Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, click here.
Who needs to buy RV insurance?
If you have a house or cabin trailer, tent trailer, or motorhome, you’ll need to insure your RV. These days, RV’s can look like home luxury living to mobile tent pop-ups. Even if your RV doesn’t have all the bells and whistles, you need the right RV insurance to cover your investment. Keep those RV adventures coming with peace of mind knowing you have the right coverage packed.
What type of RV insurance do you need?
RV’s with an engine require the same accident benefits and liability protection as a car when out on the road. Things change when they’re on a campground as liability, theft and other insurance coverages are necessary. RV insurance coverage often offers replacement value of the motorhome, not just the actual (current) value. There can also be roadside assistance included in the policy, depending on the policy you go with.
As these trailers don’t have a motor, travel trailers and fifth-wheel trailers, don’t need their own insurance policy. Oftentimes, the coverage provided under your basic plate insurance will be enough. But, that doesn’t mean they receive the same collision or comprehensive benefits of your vehicle coverage or even liability coverage when the trailer is parked. To ensure you are covered for these potentialities, special travel trailer insurance is required.
What’s usually covered in a stand-alone RV policy?
Unlike typical auto or home insurance, trailer policies can offer additional coverage for emergencies while using the vehicle. For example, suppose your motorhome is damaged and unusable while you were camping. In that case, the policy can offer coverage for you to stay in a hotel until you can have the unit repaired or make the necessary arrangements to get back home. A stand-alone policy can also provide more coverage for the contents you keep in the RV. If you have a fancy new 5th wheel with a flat-screen TV and space for gaming consoles, that will need to be considered when looking at what policy is right for you.
What does RV insurance cost?
There are lots of factors that determine the cost of insuring your RV. The main element is the value of the RV. Some are more of an investment than others, and rightfully so, you’ll pay a difference in premium to reflect that. Also, your driver safety rating will allow for discounts if you have merits for safe driving.
Review Your Insurance and Get a Quote with Westland
Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique needs, and find the perfect RV insurance policy for you. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your RV coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!
Claims Example
Damages to awnings are a common claim we see when it comes to RV’s. For example, winds can pick up quickly and rip off the awning. This can cause upwards of $1,500 to $4,000 worth of damage. The right RV insurance policy will help mitigate these risks and get you back to your normal as quickly as possible.
Our goal is to find the best coverage for you so that you can continue to live your life the way you want to. To learn more about being a Westland client, click here.
Buy RV insurance in British Columbia with confidence
Shopping for RV insurance in British Columbia? Westland is your one-stop shop. Our advisors are ready and waiting to help you get coverage that goes further.
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