Recreational vehicle

Section A

Civil liability coverage protects you anywhere in the world from property damage or bodily injury that you may involuntary cause to a third party. This coverage is particularly crucial when you are driving in the United States as lawsuits there are a lot more frequent and costly than in Quebec. If you were to face a lawsuit, your insurer would pay the associated legal fees. You should know that everyone who owns a motorized vehicle in Quebec is required to hold civil liability coverage. Therefore, we recommend that your liability limit be set at $5 million.

Section B

Coverage for damage to the insured RV can take four different forms, which can be selected individually:

-All perils (Section B1): covers damage caused to your RV, as well as its equipment and accessories, regardless of the type of risks mentioned below.

-Collision or upset (Section B2): covers damage to your RV, as well as its equipment and accessories, only if the damage is the result of a collision or upset in an accident for which you are at fault. It is important to know that the deductible is paid by the insured.

-Comprehensive – excluding collision or upset (Section B3): covers your vehicle if it’s stolen, if the windshield breaks or if damage is the result of fire or vandalism, if the damage is caused by a collision with an animal or a hit-and-run accident. In the case of the latter, it is important that a police report be filled out within 24 hours of the accident.

-Specified perils (Section B4): this coverage is more restrictive than the others as it only covers specific risks, such as fire and theft.

Q.E.F. No. 20a

This endorsement covers travel costs in the event that your RV is stolen. If such an incident were to occur, the cost of leasing a temporary replacement vehicle, as well as the expenses incurred for taxicab fares or transportation, would be covered.

Q.E.F. No 43d

This endorsement allows you to replace your recreational vehicle with a new one that does not exceed its purchase price. Thus, in the event of partial loss, you will not suffer any deduction for depreciation.

For example
You buy a 2017 Winnebago Adventurer for $187,000 and add the “Replacement cost” endorsement to your policy. Three years later, in 2020, you get into an accident with another vehicle and your recreational vehicle is declared a total loss.The insurance that you had purchased three years ago allows you to buy a new RV with a value of up to $187,000.

Q.P.F. No. 5

Replacement insurance is equivalent to what car dealerships offer but is usually less expensive when purchased through your Lareau broker. Furthermore, this insurance reimburses part of the cost of having a TAG tracking system installed on your vehicle. It also reimburses the cost of the deductible that is charged to you by the insurer, a $250 or $500 value. This insurance provides coverage for new RVs as well as used RVs.

New RV (total loss):
at the time of buying this option, you can choose to:
-Replace your RV at the original dealership by a new one that is of equal or greater value.
-Take the indemnity and replace your RV elsewhere with a new one that is of equal or greater value.
In both cases, if you go with the option of buying an RV that is more expensive, you will pay the difference.

New RV (partial loss):
In the event of partial loss, the damaged parts will be replaced by new manufacturer parts as soon as your motorcycle reaches 40,000 km or is more than two years old.

Used RV:
You receive an indemnity equal to the value of your RV and a marked-up value applies, which is an amount compounded annually, calculated based on the number of days between the purchase date and the date of the loss. This basically means that your used RV increases in value over the years! Furthermore, this option helps you pay down the residual value of your RV.

Roadside assistance coverage is extremely useful when you driving long distances in your RV. With this endorsement, you are covered for the towing, battery boosting, door unlocking as well as gas delivery wherever you may be, whether you are in Canada or the United States. Furthermore, if a breakdown were to occur and your RV had to be brought to a garage overnight to be repaired, the cost of your meals and accommodation could be covered within certain limitations.

With the coverage all structures that are permanently located on your property and not attached to your stationary recreational vehicle. This means that your shed and gazebo are covered.

This coverage protects your belongings overall, whether it be on the premises or temporarily at another location. Personal property insurance is part of the standard insurance policy for your RV and comes into play in the event of theft or damage to your clothes, electronics and more.

This addition to your standard insurance policy will cover damage caused to your golf cart as well as providing you with civil liability protection. It is important, moreover, to know that your standard insurance does not provide coverage for civil liability when you are driving a golf cart.