RV Insurance Canada: Comparing Coverage Across Provinces

Recreational vehicles (RVs) offer freedom and adventure, but proper coverage is a must. When it comes to RV insurance in Canada, each province has its own rules and requirements. Whether you’re driving through the Rockies in British Columbia or camping by the lakes of Ontario, understanding regional insurance differences is essential to stay protected and legal on the road.

Why Provincial Differences Matter

RV insurance in Canada is regulated at the provincial level. This means your premium, coverage, and even minimum legal requirements can vary significantly depending on where your RV is registered. Let’s explore how insurance policies differ between provinces.

Interested in stationary coverage too? Learn more about tiny house insurance options for non-mobile living spaces.

British Columbia (ICBC)

In British Columbia, RV owners must purchase basic insurance through ICBC (Insurance Corporation of British Columbia). Optional coverage for collision, fire, theft, and contents can be added through ICBC or private insurers.

• Mandatory liability coverage
• Options for roadside assistance
• Higher premiums in urban areas

Alberta

Unlike BC, Alberta has a privatized auto insurance system. RV owners can shop around for competitive quotes. Coverage typically includes:

• Liability and accident benefits
• Comprehensive and collision
• Emergency vacation expense coverage

Ontario

Ontario requires a standard auto policy for motorized RVs, but you can add endorsements for trailers or fifth-wheels. Due to population density, premiums may be higher, but bundling with home or auto can reduce costs.

Quebec

In Quebec, basic injury compensation is covered by the provincial government (SAAQ), while property damage and liability are handled by private insurers. This often makes insurance rates more affordable.

Atlantic Provinces (NS, NB, PEI, NL)

These provinces offer private insurance markets with flexible coverage options. Seasonal RV insurance is popular here, especially for travel trailers and campervans used in the summer months.

Things to Consider When Comparing

• Coverage type: Full-time RV living or occasional use?
• Storage location: City vs. rural area rates
• Driver’s record: Affects premiums across all provinces
• Replacement cost vs. actual cash value

Conclusion

RV insurance in Canada isn’t one-size-fits-all. Each province has different rules. Your policy should match your location, RV type, and how you use it. Always compare plans. Get multiple quotes. Read the fine print. Consider bundling to lower costs. Whether for long trips or weekend escapes, the right coverage brings peace of mind.