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What happens with my insurance when storing my RV?

When we think about the end of the camping season, it’s impossible not to think about storage. While most campers know what to do as far as winterizing is concerned, many wonder about their insurance?

Storage

When opting for outdoor storage, it is essential to make sure to protect our equipment from any possible source of water infiltration, especially during the freezing and thawing of our Quebec winters.

Insurance coverage

Some insurers allow the suspension or cancellation of certain coverages, but only for RVs traveling on the road, i.e. Class A and B motorhomes. The RV could, for example, be only covered against fire, theft and vandalism during the winterizing period.

If we choose this option, we must be aware that the vehicle must not be moved, i.e. it must not hit the road during the storage period. It is also mandatory to contact our broker when it is time to put the vehicle back on the road.

Remember that a storage credit and the suspension or cancellation of certain coverages – which sometimes represent a small percentage of savings – can not in any way replace the peace of mind that comes with an insurance contract offering all the necessary coverages in the event of a glitch, and this, twelve months a year.

Reminder for the snowbirds

A little precision here regarding storage endorsement for those who spend winter in the South: An RV is considered “stored” when said vehicle is not used for a given period, which means during the winter season. The fact that it is “stationary” does not mean that it is eligible for storage. An RV used 24 hours a day – even if it is not circulating – is always a risk for the insurer.


Jackie Beaudoin, Leclerc Insurance and Financial Services
Source :  Leclerc Insurance and Financial Services

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