Protect your RV camper or utility trailer with customized Auto Insurance.

Whether you’re a full-time RVer or using a trailer to get the boat to the lake, get tailored coverage for your specific needs. Check out SGI Canada’s guide to unlicensed trailers and vehicles: download pdf.

Click on one of the below topics to unpack your Auto Insurance for your trailer:

Storage Coverage

When your trailer is parked for the winter, if there is no policy on it and the plates are inactive, there is no insurance. But theft, vandalism, and other risks still exist, and your home insurance will not extend to protect it.

If your trailer is already insured on an auto policy when you cancel your plates, ensure you discuss a change in coverage with your broker if you plan to stay in the camper for the duration.

Comprehensive Coverage

This coverage is for basically everything that isn’t a collision. These types of losses covered by this insurance include fire, theft, wind, hail and vandalism. Package policies let you have comprehensive deductibles as low as $50, so you still have coverage after you let your plates expire. Did I mention it covers theft? Your homeowner’s policy will not respond if your trailer is stolen from your property. With comprehensive coverage, you rest easy this winter if the Grinch comes to visit you.

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Lower Deductibles

Lower your deductible
Pay a little extra monthly to lower your deductible if you have a claim.

Waive your deductible
You may not have to pay your deductible in some situations. Ask your broker for details, but some examples are:

Fire, lightning and theft
Wildlife Collision

Personal Liability

Are you looking to protect yourself financially from a potential lawsuit? Increasing your liability limit can help protect you financially from the pain of a nasty lawsuit. If you are accused or found responsible for causing bodily injury or property damage, you’ll want more than the basic $200,000 plate limit.

We highly recommend increasing your liability limit, especially for newer drivers, because statistically, new drivers may be at a higher risk of causing an accident.

Voluntary Fire Fighting

Depending on your RV or camper’s location, you may have one or more volunteer fire departments responding in the event of a fire. If this is the case, you may be surprised by a hefty bill when it’s all over. With Voluntary Fire Fighting coverage, this expense would be covered by your policy up to the limit stated on your policy documents. Contact your RM to find out the going cost for your area if the fire department were to respond.

Loan Protection

Our Loan Protection coverage is not a one-size-fits-all style policy. Our personalized policies translate to better coverage and premiums that are, on average, 30-50% lower than traditional Creditor Insurance. We can offer you the following:

Non-commission dedicated advisor with industry experience.
Regular touchpoints with your advisor to ensure that your plan is working for you.

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When it comes to recreational trailers, do they differ from car insurance?

These trailers do not have motors and are usually connected and pulled by your vehicle. This means that it is not required to insure them when they are off the road. However, it’s worth considering the investment you’ve made in your trailer and the increased risk of loss or damage. It makes sense to have some form of coverage for financial protection if something goes wrong. For example, if your trailer should suffer from vandalism or theft while in storage, an Auto Policy can offer protection while the registration is not active.

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Understand your plate registration declared value.¹

Trailer registration fees and insurance premiums are based on class and trailer type. However, it is up to you to advise on the trailer’s declared value for your registration. For example, if the trailer suffers a total loss, the amount payable to the insured is the lesser value of:

Actual cash value (ACV) or;
Declared value

Protect yourself and your adventures, not just your trailer.

Don’t let an accident ruin your next adventure. With trailer insurance, you’re only covered for damage to the trailer itself. You’ll need additional insurance for your belongings and yourself. If you’re injured while travelling outside the province, consider purchasing Emergency Medical coverage. Discuss a coverage extension with your tenant, condo, or home insurance advisor for your contents and belongings.

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