Trailer Insurance Blog

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How Much Are the Insurance Costs on a Park Model Trailer?

Do you own a park model trailer, or perhaps you’re considering purchasing one? Park model trailers aren’t just like any…

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Camping in Alberta? Here’s How to Save Money

Camping isn’t always a low-cost endeavour, especially when you’re unprepared. You’ll have to pay for your campsite passes, which can…

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An RVers Guide to Camping in British Columbia

*We do not insure RV’s for full time use. This is an informative post only*   Planning a camping trip,…

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A “Snowbird” 101: How to Insure Your Trailer if You Snowbird

For those who live in Alberta most of the year but opt to either tow their trailer south of the…

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Why Are Only Certain RV Insurance Coverages Mandated in Ontario?

 When you’re purchasing RV insurance in Ontario for the first time, whether that’s because you’re planning to close on a…

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Can You Camp All Year-Round in BC?

*We do not insure RV’s for full time use. This is an informative post only*   British Columbia is a…

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RecProtect Quote FAQ

Question: How simple is the process?

Answer: With RecProtect, you are able to purchase a policy online without speaking to a broker. Simply follow the steps and enter the information as prompted. When you reach the quote, you will see an option to complete your application, highlighted in blue. Once the application is complete you will be directed to sign and enter in credit card information to pay for your policy. RecProtect offers a one-time payment for the year. Once the policy is paid for using a regular credit card or Visa/Mastercard Debit, you will receive the official policy documents in your inbox within minutes!


Question: Have Questions during the quote process?

Answer: Select "Return to Broker" in the bottom left of page if you wish to have a broker review your application. A broker will contact you once application is reviewed. If it is time sensitive, call (888) 887 0881.


Question: Don't have enough time to complete the quote?

Answer: Select "Save and Continue Later" if you wish to revisit the application at a later time. You will receive an email with a link to the application you have started. This will retain all of the data you have entered and will allow you to sign and pay for the application at a time that works best for you.


Question: Questions on coverages?

Answer: Two Settlement Options: Replacement Cost or Actual Cash Value.

1. Replacement Cost: Replacement Cost will have no deduction for depreciation of any kind, this is conditional on insuring the unit for replacement cost of a brand new unit including taxes and any additions.

Ages to qualify for replacement cost:

  • Travel and Fifth Wheel Trailers: Up to 15 years old
  • Park Model Trailers: Up to 25 years old
  • Watercraft: Up to 15 years old

2. Actual Cash Value or Fair Market Value: The Actual Cash Value is the current market value of the unit which includes depreciation. The value is calculated at the time of the time of loss and is based on similar comparables in the marketplace less any costs that would have made your item ready for sale.


Question: What is covered?

Answer: Common claims that are covered are: Fire, lightning, windstorm, hail, collision, theft, vermin and falling objects.


Still have questions? Contact us at: (888) 887 0881.