Recreational Vehicle Insurance

From luxury coaches to Class C cargo vans, RVs are the preferred choice of travel for many Canadians. These recreational vehicles offer mobile living accommodations, so you can essentially vacation with your ‘home’ on the road. RVs are perfect for long family road trips. They’re also ideal for those who enjoy the outdoors, but would rather not sleep in a tent. Recreational vehicle insurance is mandatory for anyone operating this type of motorized trailer. If you’re interested in learning more about RV insurance, here’s a comprehensive guide on what this type of product entails. Whether you’re headed on a short summer jaunt or a year-long journey across the country, Oegema Nicholson and Associates can ensure you’re well-protected every stop of the way.

What is recreational vehicle insurance?

Much like automobile insurance, recreational vehicle insurance will cover you for many of the similar risks. Collision, comprehensive and liability coverage are usually standard on most policies. But because RVs often contain a large number of valuables, many providers offer elements of home insurance as well. Oegema Nicholson can help you obtain additional protection for the following items:
  • RV equipment and accessories, such as awnings, satellite dishes or lighting fixtures
  • Personal belongings, including electronic devices and jewelry
  • Exterior attachments, such as satellite dishes or portable modems
Just like traditional vehicles, RVs can break down on the road. It’s a good idea to opt for towing and roadside coverage as emergency services can get costly. As for damages, total loss replacement coverage is available should your recreational vehicle become totaled.

In what scenarios is RV insurance helpful?

RV insurance is most helpful in that it protects you from having to pay out of pocket in the event of an accident. It provides you with peace of mind, so you can continue to enjoy your travels knowing you’re protected no matter what happens. Here are some of the ways in which recreational vehicle insurance could potentially cover you:
  • If you’re at fault in an accident, the other driver will file a claim with their insurance company. Your insurer will pay that claim from your policy — up to the limits of your liability coverage. Expenses can include vehicle damages, legal fees and medical bills for the other party. Should these expenses total more than your coverage limit, you’ll be responsible for paying the difference.
  • If your RV is damaged in a collision and needs to be towed, your insurance provider will cover some or all of the towing costs.
  • If your RV is stolen, destroyed in a windstorm or damaged by an animal, your comprehensive coverage would kick in to cover your losses.

How much RV insurance do I need?

The amount of insurance you need will largely depend on the model of your recreational vehicle and how much you use it. RVs are divided into three classes. Those ranging from 21 to 45 feet long are usually in Class A, and include the luxury coach or converted bus. These are the most expensive varieties to insure. The smallest class of RVs are found in Class B, and come with much lower insurance premiums. Be sure to let your insurance broker know whether you plan on living in your recreational vehicle part time or full time as this will affect your rates. Those who plan on travelling across borders may also have to pay a higher premium. The insurance experts at Oegema Nicholson can help you determine how much insurance you actually need. The same way that being underinsured is unsafe, being overinsured can be a problem too. There’s no point spending hundreds of extra dollars for coverage you realistically may not need. A trusted insurance broker can ensure you’re getting the right amount of insurance for your needs.

Why trust Oegema Nicholson?

In business since 1961, Oegema Nicholson offers a full suite of insurance products designed to bring peace of mind to all aspects of your life. Recreational vehicle insurance is just one of our areas of expertise. From emergency roadside assistance to lowered comprehensive deductibles, rely on our knowledgeable brokers to connect you with some of the top coverage options on the market. Get in touch with our friendly team and access the best quotes all in one place. For more information on motorhome insurance, call us at 613-224-1455 or contact us here.

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"Just wanted to leave a message for your website that praises Nik Dore for being a constant example of always providing invaluable customer service. I never worry that my questions and concerns will be dismissed or that I am receiving less than constructive advice. Many thanks to him."
"I know all my insurance needs are covered with Oegema, Nicholson & Associates. I have been a loyal client for the last 15 years, and I can count of them for my commercial insurance, employee benefits, as well as my personal insurance and finances. Jeff Richer always goes above and beyond to help me with my insurance needs."
O-Omkar Atwal, Owner, Leitrim Home Hardware
"It’s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it’s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I’m taken care of."
R-Rhonda, Capital Dodge
"I would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can't begin to thank her enough."
"ONA helps me with my personal insurance and my business insurance . They are my one stop shop when it comes to insurance and group benefits. I know I’m covered in all areas. Great friendly service and knowledgeable staff!"
J-James Carriveau, President, Exact Interlock and Exact Properties
"One call to Oegema, Nicholson Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions."
J-Jennifer Parks, Stittsville, Ontario
"I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well."
C-Charlene Brunet, President, Dan Murphy Ford
Saul Mendoza (Salty)
Saul Mendoza (Salty)
My broker Bill C. from ONA has helped me over the years now with my vehicle insurance. He is very cautious and detail oriented when processing documentation, and ensures I understand everything whenever there are any changes. He recently helped me cut my premium almost in half just by improving my record and shopping around at the appropriate time. I am grateful to him and the team for being there for me when I need them.
RMP Tutoring
RMP Tutoring
I was assisted recently by Greg, who did a wonderful job in not only answering all of my questions and helping me to review pre-existing insurance plans, as well as advising me to look into my credit card/group insurance before needlessly purchasing more. This to me speaks highly of the character of the employee and business of a whole, and it is certainly the one I will be going to for any future needs.
They get back to you fast an excellent insurance agent
lise sevigny
lise sevigny
Have been with Oegema for over 30 yrs. Always great service!
Jamie C
Jamie C
Friendly, knowledgeable and professional. They take care of all my insurance needs. Commercial, Home and Auto.
Bob Bent
Bob Bent
Great service on both commercial and personal lines.
Jennifer Bardwell
Jennifer Bardwell
I purchased commercial insurance with this company. Very professional service throughout, and a good price on the policy. Would highly recommend!
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Oegema, Nicholson Financial Inc.
1451 Woodroffe Avenue
Ottawa, Ontario K2G 1W1
5526 Manotick Main Street P.O. Box 149
Ottawa, Ontario K2G 1W1
154 Bridge Street P.O. Box 749
Almonte, Ontario K0A 1A0
243 Castor Street
Russell, Ontario K4R 1B8
3-3809 St. Joseph Blvd.
Orleans, Ontario K4A 0Z8
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