7 Ways to save on RV insurance in Canada

Whether your RV is your weekend getaway, your summer sanctuary, or your full-time home on wheels, one thing is certain: you need insurance that protects your lifestyle, without draining your wallet. The great news? You can save on RV insurance and enjoy RV insurance savings without compromising coverage.

At Orbit, our expert insurance brokers specialize in RV coverage and know how to help you save on RV insurance—without ever compromising on protection.

In this article, we’ll break down what RV insurance typically covers, smart ways to cut costs, and how Orbit can help you get the best value from your policy, ensuring you save on RV insurance.

What RV insurance covers, and why you need it

Your RV isn't just another vehicle. It's your mobile cabin, adventure hub, and home away from home. Because of that, RV insurance needs to go far beyond a standard auto policy. RV insurance isn’t just about protecting your unit; it’s about safeguarding your lifestyle and the freedom that comes with it. 

With RV insurance, you can travel with peace of mind, knowing that you are covered for unexpected events on the road. It provides financial protection in case of accidents, damage, or theft, and can save you from significant out-of-pocket expenses. 

Additionally, RV insurance often includes coverage for some of the contents in your RV, along with emergency expenses, and liability, ensuring that you can continue enjoying your travels without worry. RV insurance is an investment in your adventures, offering comprehensive protection and allowing you to fully embrace the RV lifestyle.

Before you decide, consider the following:

• Towing a travel trailer filled with appliances or cooking equipment? If your trailer is broken into or damaged by a storm, regular car insurance won’t cover the replacement.
• What happens if you’re in an accident halfway across the province and your RV isn’t drivable? Without proper coverage, you’d be on your own for hotel stays, meals, or alternative transportation.
• Parked at a campground, a guest trips over your outdoor setup and breaks their leg? You could be liable for their medical bills.

Without RV-specific insurance, you could be left paying out of pocket for incidents that standard car or home policies simply don’t cover.

Here’s what a motorhome insurance policy can cover:

Standard protections:

• Third-party liability covers you if you injure someone or damage their property while driving your Motorhome. This ensures that you are protected from potential legal and medical expenses.
• Accident benefits pay for medical expenses, rehabilitation services, or income loss after an accident. This provides financial relief and support during your recovery.
• Direct compensation for property damage (DCPD) covers repairs to your motorhome if someone else is at fault. This ensures that your repair costs are covered without having to go through the other party's insurance.

Optional coverage for extra peace of mind:

• Collision coverage provides protection for your motorhome if you’re at fault in a crash. This ensures that repair costs are covered, and you can quickly get back to the road.
• Comprehensive coverage protects against theft, vandalism, fire, weather damage, or falling objects. This offers peace of mind for a wide range of potential incidents.
• Contents insurance reimburses you for personal items like bedding, dishes, or appliances. This means you don't have to worry about the cost of replacing valuable contents in your unit.
• Roadside assistance helps with towing, breakdowns, flat tires, or if you get locked out. This ensures you have support in case of unexpected issues while traveling.
• Emergency expense coverage pays for lodging and transportation if your RV becomes uninhabitable while in the middle of your trip. This provides financial relief and ensures you can continue your journey.

Easy ways to unlock RV insurance savings

Looking to save on RV insurance? Here are 8 proven ways to lower your RV insurance premiums and maximize your savings:

1. Join the club (literally!)

Orbit offers up to 10% off for members of groups like the Explorer RV Club and the FQCC (Fédération Québécoise de Camping et de Caravanning) for Quebec residents. These memberships don’t just offer community and travel rewards; they also unlock exclusive insurance discounts.

2. Bundle and save

Already have auto or home insurance? Bundle your RV policy with Orbit and save more. Bundling with your car, homeowners, condo, or tenant insurance means fewer headaches and a better overall rate. The more you bundle, the more you save.

3. Choose the right coverage for your RV type

Matching your policy to the exact type of RV you own ensures you're not over or underinsured and helps improve your premium.

Orbit offers specialized coverage for all kinds of RVs, including:

• Motorhomes (Class A, B, and C)
• Travel trailers
• Fifth wheels
• Tent trailers
• Truck campers
• Park model and mobile homes

4. Keep a clean driving record

As with auto insurance, a history of safe, claims-free driving can lead to lower rates. No accidents, no tickets, no claims? That’s a win for your driving record and your wallet. Additionally, maintaining a clean driving record demonstrates responsibility to insurers, which can further help in securing better rates.

5. Increase your deductible 

Opting for a higher deductible can reduce your monthly premium. However, be sure it’s an amount you’re comfortable paying out of pocket in case of a claim. This strategy can be a smart way to lower your insurance costs, but it's important to balance the savings with the potential financial impact of a higher deductible.

6. Install anti-theft or GPS tracking devices

Adding security features like alarms or GPS trackers can help deter theft and potentially qualify you for insurance discounts. These devices can provide real-time tracking and alerts, giving you peace of mind and enhancing the overall security of your RV.

7. Customize your policy with specialized add-ons

Every RV owner’s needs are different. Customizing your policy with specific endorsements can help you avoid paying for one-size-fits-all coverage. Ask your broker about:

• Total loss replacement for a new RV if yours is written off early in its life. This coverage ensures that if your RV is considered a total loss within a certain period, you will receive a brand-new RV of the same make and model, rather than a depreciated value. This can be particularly valuable for new RV owners who want to protect their investment
• Premises liability to protect against accidents while parked at a campground. This coverage protects you in case someone is injured or their property is damaged while visiting your RV at a campground. It covers medical expenses and legal fees, providing peace of mind and financial protection against potential lawsuits.
• Upgraded roadside assistance for RV-specific issues like tire blowouts or emergency fuel delivery. This coverage provides enhanced roadside assistance tailored to the unique needs of RV owners. It includes services such as tire blowout repairs, emergency fuel delivery, and other RV-specific issues, ensuring you can get back on the road quickly and safely.

Save on RV insurance with Orbit

Your RV is more than just a vehicle—it's your freedom, getaway, and home away from home. At Orbit, we help protect it with tailored coverage and expert advice, that gives you peace of mind without paying more than you need to.

When you choose Orbit, you’re backed by years of experience specializing in RV, camper, and motorhome insurance. Our knowledgeable brokers take the time to understand your travel plans and match you with the right coverage at the best possible rate.

Contact your local Orbit Insurance Broker today for a free, personalized quote.

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