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RV Insurance

Drive your home on wheels with confidence; we’ve got all the angles covered!

Explore new places worry-free with the right recreational vehicle “RV” insurance.
  • Solid protection that travels with you
    Be covered by a broad choice of motorhome coverage options with Intact Insurance. Plus, benefit from generous coverage, competitive rating, flexible eligibility, additional discounts, and more.
  • Enhanced motorhome travel package
    For extra peace of mind, this add-on to your motorhome insurance policy includes coverage for emergency vacation expenses, emergency road service, lock replacement coverage as well as insurance coverage for the contents of your motorhome.1
  • 24/7 claims service
    We’ve got you. If you need to submit a claim for your RV, our claims team is available 24 hours, 7 days a week to assist you in filing your claim and will do its best to sure the process is as smooth and fast as possible. Plus, you can conveniently submit your claim using our online services. 


Get the right insurance for your motorhome. When you’re headed out on the roads to your destination, you can have peace of mind knowing that you have the right insurance coverage.

If you own a fifth wheel trailer, a travel trailer, a tent trailer, a camper unit or a utility trailer, Liability, Accident Benefits and Direct Compensation are extended from the towing vehicle. In order to benefit from these coverages on your Intact policy, you must have an automobile insured with Intact Insurance as well. 

  • Bodily Injury and Property Damage Coverage protects you if you're responsible for injuring someone or damaging someone else's property in a motorhome accident.

  • Direct Compensation Property Damage Coverage may cover damages to your vehicle and its contents if another driver is at fault.

  • Statutory Accident Benefits Coverage may compensate you if you, your passengers, or pedestrians are injured in an motorhome collision, regardless of responsibility. Accident Benefits can be increased to match your individual requirements. For additional information, please contact your broker.

  • Uninsured Automobile Coverage protects you in two instances. First, if you are injured in a crash by a driver who does not have insurance. Second, if you are unable to identify the vehicle; for instance, if you were the victim of a hit and run. 

  • Optional

    Various levels of physical damage coverage for your vehicle are available, depending on how much protection and coverage you want for your motorhome:

    • Specified Perils Coverage: Covers your vehicle against a limited number of predetermined risks, like theft, some natural disasters, hail, riots or civil disturbances. 
    • Collision or Upset Coverage: If damages are caused to your car because you've crashed into something (like a light post, guardrail, or another vehicle), Collision or Upset coverage could cover the cost of those repairs. You may just have to pay the deductible.
    • Comprehensive Coverage: Covers the expenses to fix the damage to your vehicle from unpredictable circumstances such as fire, theft, vandalism, or some natural disasters.
    • All Perils protection: A combination of Comprehensive coverage and Collision or Upset Coverage.

Programs and add-ons

If you have specific needs or want the most competitive offer, take advantage of our programs and endorsements. To learn more, ask your broker and get a quote.2

Enhanced motorhome travel package

Get even more coverage for your motorhome with emergency road service, up to $2,000 per occurrence for emergency vacation expense, lock replacement coverage and some coverage for the contents of your motorhome.1


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Bundle and save!

Combine your home, car and motorhome insurance and take advantage of the exclusive benefits. Get the best value for your money with insurance bundles.3


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  • Bundle your home and motorhome insurance
    Get the best value for your money by bundling your home, auto and motorhome insurance together!
  • More ways to save
    You own multiple vehicles, a home, and insure them with Intact Insurance? Let your broker know, it could help you save!


The types of vehicles that are eligible for RV insurance include motorhomes, vacation trailers, fifth-wheels, tent-trailers, campers, and travel trailers. If you have questions about your recreational vehicle, reach out to a broker.

To insure your RV, you need a specific insurance policy for this vehicle. In fact, campers, motorhomes, fifth-wheels, trailers, etc. require specific coverage. Typically, RV insurance would provide coverage for damages to the vehicle, to your belongings inside the vehicle as well as your third-party liability as basic protections. 

An RV insurance policy does, in general, tend to be cheaper than a car insurance policy even if an RV may be larger and have all the comforts of a house. In fact, there is often less risk involved, since RVs are rarely driven daily. In fact, an RV insurance premium is based on a variety of factors. These include:

  • The RV make model and year
  • The insurance history and driving history of the owner
  • The actual cash value vs guaranteed replacement cost
  • If the policy includes optional coverage and increased limits
  • The amount of the deductibles
  • If any discounts are applied to the RV insurance premium

Reach out to your broker today to learn more about insurance coverage that suits the needs of your RV.

You should get RV Insurance to protect your RV and its contents from theft, damage, and other potential risks. It also offers third party liability coverage in the case you injure or damage a third party’s property. Make sure to reach out to a broker to get your RV insurance today.

In Canada, most RV owners utilize their RV over the summer. When comes the fall, RVs are often stored until the return of warmer days. When you do store your RV, let your broker know. You may be eligible to a credit on your insurance premium.

If you head down south to Florida or Mexico with your RV, ask your broker about the best RV insurance policy for your extended trip over the winter. Depending on the duration of your stay, you may need extended coverage for you RV.

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Talk to a broker

It can be a challenge to pick the right protection for your RV by yourself. That’s why we work with over 2,000 insurance brokers across Canada that are highly skilled in assessing your RV insurance needs and offer the right coverage for your situation and budget. Chat with a broker today to learn more about RV insurance.

Get an insurance quote

When on the road, your RV is your abode. Get an RV insurance quote now and find the right RV coverage for your vehicle. Getting a quote for RV insurance is the first step in protecting your vehicle before hitting the roads.