RV insurance

Get on the road to savings

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More than 220,000 claims handled in 2016

Whether you’re heading south or staying close to home, relax and enjoy knowing you have the insurance coverage you need for your Class A, B, or C motor home. RV insurance is available exclusively through Insurance Brokers.

Choose the right coverage

Enjoy standard features and choose from optional types of coverages

Optional coverages

Need enhanced RV insurance coverage? Customize your policy with these add-ons.

To learn more about these options contact your insurance representative.

ERS Elite Emergency Roadside Assistance*

All the benefits of the basic program, plus increased towing, trip planning, travel and emergency medical advice, and pet assistance.

**Not available in all provinces. Contact your Insurance Broker for more information.


Outdoorsy RV-sharing network access*

Get no-charge access to the Outdoorsy RV-sharing platform and rent out your unit with insurance coverage included.

*Only available in Ontario at this time.

Additional Third-Party Automotive Liability

Covers you if you face a lawsuit after injuring someone or damaging someone else’s property with your motor home.

Additional Uninsured Motorist protection

Add coverage up to $2 million.

The RV insurance you need

With Aviva's motor home insurance, you'll get:

Optional Emergency Roadside Service*

It’s just a phone call away if you’re stuck at the side of the road.

*This service differs by province. Contact your Insurance Broker for more info.

Choice of deductible amount*

Gives you flexibility in how much you want to pay up-front when you’re  making a claim.

*Not available in all provinces.

No deductible to pay if you’re claims free

There’s no deductible to pay at all after five claims-free years in a row.

Frequently asked questions

We answer your questions on RV insurance

Why should I get motor home insurance, instead of just adding my motor home to my regular auto insurance policy?

As the country's largest insurer of recreational vehicles, we've been protecting Canadian fun for more than 60 years. So we get what's uniquely important to your lifestyle, and design coverage that takes care of all the details – so you can just relax and enjoy life.

How does this insurance cover me if my motor home breaks down?

If your road trip runs into trouble, emergency roadside service is just a phone call away. In many provinces, you can upgrade your motor home insurance policy if you'd like a more extensive suite of services. 

If I have an accident with my motor home that cuts my trip short, am I responsible for getting myself back home?

We’ll help cover emergency vacation expenses to get you home or back out on the road.

I live in my motor home year-round. Am I covered while I'm away from the motor home as well?

If you travel with your unit full time, you can get comprehensive Personal Liability to protect you on day trips away from your motor home. You can also add up to $5 million Premises Liability, which helps protect you from legal action related to injury or property damage while you're using your motor home. 

Does my policy cover items inside and around the motor home, or just the unit itself?

You get more than the standard industry coverage for your motor home and the contents it usually contains, and for detached private structures like sheds and decks. Coverage limits can be increased in many provinces – talk to your Insurance Broker to learn more.

How much will I get to replace my motor home if something happens that can't be fixed?

When it comes to paying claims, we offer RV owners the option to get the cost of a brand-new model (even if it costs more than the policy limit) with Guaranteed Replacement Cost coverage.

How much do I have to pay up front if I make a claim?

We give you a choice of deductible options that give you flexibility in how much you pay up front if there’s a claim. And  after five claims-free years in a row, there’s no deductible to pay at all.

Insurance brokers, the right choice for you

Get expertise for your insurance needs from coverages, pricing options, claims support and discounts.  

Enjoy Standard features and choose from the optional types of coverage.