Deductible Options:

Pay a little extra monthly to lower your deductible if you have a claim. Deductible options vary by insurer:

Motorhome Replacement Cost Coverage

Comprehensive 5-Year Protection (Sandbox Mutual Exclusive)

Glass Breakage:

Road hazard glass protection offers coverage at a lower deductible for repairing or replacing your vehicle’s glass damaged by road debris, such as stones or objects thrown up from the road or fallen from other vehicles.

This additional coverage can be purchased if you already have collision coverage under your Auto policy.

Unlicensed & Storage Coverage

Protect your investment during the off-season or while stationary with Unlicensed (In Storage) coverage. Even when your plate is cancelled, your policy can continue to provide protection against comprehensive perils like fire, theft, and vandalism.

Special Note: For a detailed look at how SGI handles coverage for campers, motorhomes, and motorcycles without active plates, please review the SGI Guide for Unregistered Vehicles and Trailers.

*If you need to move your trailer, remember to obtain a temporary permit to ensure your full policy coverage applies during transit.

Personal Liability:

Your basic plate insurance only provides $200,000 in liability. Most riders choose $2 million to $5 million in excess coverage to protect against major lawsuits.

This is especially important if you drive in the United States or in provinces with coverage rules different from Saskatchewan’s no-fault system.

Personal Property: Protecting Your Belongings

Did you know your trailer policy does NOT provide coverage for your personal contents and belongings?

Items like clothing, gear, and electronics inside your unit are not covered by the trailer or camper policy. Instead, protection for these items extends from your property insurance, such as your homeowners, condo, or renters policy.