Recreational Trailers 2019

Leisure seekers are starting their engines! Find out what you need to know to enhance the season of fun for recreational trailer enthusiasts.

As the country's largest insurer of recreational vehicles, Aviva has been protecting Canadian fun for more than 65 years. Our trailer insurance policy includes coverage not found in regular home or auto insurance policies, including roadside assistance, guaranteed replacement cost coverage and optional RV-sharing insurance.

Upgrade to Elite Emergency Roadside Assistance

Springtime means mud – and a higher risk of getting stuck in it. ERS Elite is available as an endorsement with all recreational trailer policies. It’s less expensive than other auto club memberships and has more benefits, including:

  • Towing and winching services provided by qualified operators – any vehicle, large or small loads with 500km towing distance limits (anywhere in Canada or the U.S.)
  • Battery boost, lock-out, fuel delivery (up to 15 litres of gas included), flat tire and mobile tire repair services
  • Trip interruption protection of up to $500 for additional vacation expenses (hotels, rental vehicles, etc.) if the rig requires emergency repairs

Recreational trailers covered

  • Truck camper
  • Tent trailer
  • Travel trailer
  • Toy hauler with living quarters
  • Fifth wheel
  • Horse/stock trailer with living quarters (max. 4 animals)

Included in all policies*

  • Contents the trailer usually contains
  • Detached structures, such as sheds and decks
  • Overland water (Only available in ON, AB, and BC)
  • Sewer back-up (Automatically included in ON, AB, and BC; optional coverage in all other provinces)
  • Debris removal
  • Extended warranty on appliances
  • Lock replacement
  • $5,000 golf cart physical damage
  • Frozen food replacement
  • Interested party rate protection
  • Pet injury
  • Disappearing Deductible – pay no deductible if you’re claims-free for five years in a row
  • ERSBasic (except park models) – limited emergency roadside assistance when travelling with a trailer or towing vehicle attached

   o   Towing

   o   Battery boost

   o   Flat tire service fuel delivery

Optional coverage enhancements*

  • Guaranteed Replacement Cost
  • Upgrade to ERSElite

o Up to 500 km mechanical breakdown towing for trailer and towing vehicle

o Trip planning

o Travel and travel medical assistance

o Concierge service

o Pet assistance

o Trip interruption

  • Outdoorsy RV-sharing network access
  • Full timers package (includes optional comprehensive Personal Liability coverage)
  • Premises Liability



  • Bundling home/auto/trailer
  • Being a retiree
  • Maintaining a clean driving experience (no convictions and staying claims-free)
  • Parking in secure and supervised trailer parks
  • Having or installing safety devices, such as a burglar alarm

*Availability and pricing vary by province. Terms and conditions apply.

Learn more

Visit LeisureQuote

You can obtain accurate quotes and request changes and endorsements for this product through LeisureQuote, which you can access directly from AvivaPartner or from the L&L Resource Centre.

Get more details about this product in the L&L Resource Centre.