Motorhome insurance

Motorhome insurance is a specialized policy that protects you financially when you drive or park your Class A, B, or C motorhome.

• • Class A is the largest and most luxurious. Built on a bus or truck chassis, it gives you full-size kitchens, bathrooms, and lots of living space. Great for long trips and full-time RV living, but it needs more room to park and costs the most to insure.
• • Class B (camper van) is the smallest and easiest to drive and park. You get less space and fewer features, but it’s fuel-efficient and perfect for quick getaways or travellers who want flexibility.
• • Class C sits in the middle. Built on a van or truck chassis with a cab-over sleeping area, it offers more space and comfort than a Class B while staying easier to handle than a Class A. A popular pick for families.
• It covers third-party liability, damage to your vehicle, accident benefits, and more, giving you the confidence to hit the road knowing you, your passengers, and your belongings are protected against a wide range of risks.

Licensed insurance providers across Canada offer coverage for Class A, B, and C motorhomes. At RBC Insurance, you can get a motorhome insurance policy for all three classes, whether you drive a full-size luxury coach, a compact camper van, or something in between. Request a call back or call 1-877-749-7224.

Yes. In Canada, motorhomes are classified as motor vehicles, which means you’re legally required to carry a minimum level of insurance, including third-party liability and accident benefits, to drive on public roads. The exact minimum requirements vary by province and territory, so speak with a licensed RBC Insurance advisor to confirm what applies to you.

Motorhome insurance works much like regular car insurance: you pay a premium, and your insurer helps cover financial losses from accidents, theft, or other covered risks. Depending on your policy, coverage can protect your motorhome, your passengers, your belongings, and third parties. Optional add-ons like Emergency Road Service can give you even more peace of mind on the road.

Motorhome insurance typically covers third-party liability, accident benefits, collision damage, and protection against risks like theft and fire. With RBC Insurance, your policy can also include Emergency Vacation Expense coverage, which helps you get home or continue your trip if your motorhome can’t be used due to a covered loss. Optional Emergency Road Service is also available at an additional cost.

Many motorhome owners in Canada only use their RV (Recreational Vehicle) during warmer months. While you can adjust coverage when your motorhome is in storage, and potentially receive a credit on your premium, the Insurance Bureau of Canada recommends keeping at least comprehensive coverage year-round to protect against theft, fire, and weather damage even when your motorhome isn’t being driven.

Coverage for personal belongings in your motorhome varies by policy. Some items like luggage and everyday camping gear may be included, while electronics, jewellery, or specialty equipment may require additional coverage. Your home or tenant insurance policy may also cover some belongings while you travel. Check with a licensed RBC Insurance advisor to understand what’s protected under your specific plan.

A motorhome is a self-powered vehicle you drive, so it requires full auto insurance coverage, including liability, accident benefits, and collision protection. A trailer is towed by another vehicle and doesn’t need its own liability coverage, though insuring it for physical damage and contents is strongly recommended. The coverage requirements for each are quite different. Coverage and requirements may vary by province and territory, so speak with your RBC Insurance advisor.

Water damage coverage depends on your policy and insurer: some plans include damage from sudden events like a storm, while others require adding it as an endorsement. General wear-and-tear or gradual leaks from poor maintenance are typically not covered. Talk to a licensed RBC Insurance advisor to understand exactly what your policy includes. Book a call or call 1-877-749-7224.

Yes, comprehensive motorhome insurance typically covers theft of your motorhome and many of your belongings inside it. Coverage for attempted theft and resulting damage may vary depending on your policy. Installing an approved anti-theft device can also help reduce your premium; RBC Insurance offers a discount for anti-theft devices. Coverage and requirements vary across Canada, so speak with your RBC Insurance advisor.

Motorhome insurance is often more affordable than many people expect. Because motorhomes aren’t driven daily the way regular vehicles are, the risk profile is generally lower. Your premium will depend on factors like your motorhome’s class, age, and value, your driving history, and the coverage options you choose. Get a personalized quote by speaking to a licensed RBC Insurance advisor to find a plan that fits your budget.

Motorhome insurance rates vary widely based on your motorhome’s class, model year, and value, as well as your driving record, coverage selections, and where you live. Rates vary; get a personalized quote to find out exactly what you’d pay. Book a call or call 1-877-749-7224.

Several factors influence what you’ll pay for motorhome insurance, including the class, make, model, and year of your motorhome; how often and how far you drive it; your driving and claims history; the coverage types and limits you choose; and whether you qualify for discounts like anti-theft or multi-policy savings. A personalized quote is the best way to see how these factors apply to your situation.

Emergency Vacation Expense can help cover costs like a hotel and meals if your motorhome is in an accident and you can’t use it. It’s especially valuable because once you’re parked at a campsite, your motorhome is treated more like a temporary home than a vehicle. That means an incident at your campsite may not be covered the same way as a collision on the road. Check with your licensed RBC Insurance advisor to confirm this coverage is included in your plan.

Yes, if your motorhome is driven on public roads, you’re legally required to carry a minimum level of insurance in Canada. This applies to motorhomes the same as regular vehicles. While the minimum requirements depend on your province or territory, third-party liability and accident benefits are universally required. Speak with your RBC Insurance advisor to confirm what applies where you live.

Awning coverage depends on your policy. Many motorhome insurance policies cover awnings as part of the vehicle, but some policies have awning exclusions. If awning protection matters to you, it’s worth confirming what your policy includes and discussing with your provider. Talk to an RBC Insurance advisor to review your coverage options. Book a call or call 1-877-749-7224.