Recreational Vehicle Insurance

Coverage for motorcycles, RVs, ATVs and snowmobiles moves through different channels depending on region  — a dedicated product for the Territories or an informal bundling at British Columbia offices — rather than one consistent national process.
In several provinces and territories, coverage for motorcycles, RVs, ATVs and snowmobiles doesn't run through a single national product.

An advisor can connect you with carriers who specialize in your specific vehicle type, so your policy is built around how you use it, not treated as an add-on to your home or auto coverage.

If the coverage isn't on the page a household happens to be looking at, most people assume it doesn't exist — the broker's job is knowing where it actually lives.

Households learn exactly where and how HUB can place their RV, ATV, and snowmobile coverage in their region. 

Standard homeowners and auto policies typically assume you don’t own a boat, RV, motorcycle or ATV, so these vehicles usually aren’t covered at all, and seasonal storage or occasional, cross-border use doesn’t always match a standard year-round policy.

Standard homeowners and auto policies are built around everyday use, not a boat in seasonal storage or an RV you take across provincial lines. When your usage doesn't match those assumptions, the coverage may not either.

An advisor reviews how a household uses each recreational vehicle — occasional or full-time — and confirms which policy, if any, currently covers it, rather than letting an unchecked assumption stand until a claim tests it.

An exposure almost never shows up on the declarations page — it shows up the day someone tries to file a claim on a vehicle nobody realized was excluded.

Households know exactly which policy covers each recreational vehicle they own, and that the coverage terms match how they use it. 

Incidents on the road, water or trail can each trigger their own claims process—one that rarely matches a standard auto or home claim.
A boat accident on the water, an RV breakdown mid-trip or an ATV accident on the trail all involve claims steps that are different from a typical car or home claim. Even households experienced with auto or home claims can find this unfamiliar.

An advisor who's handled recreational-vehicle claims before can guide you through the specific steps for your vehicle — on the water, on the trail or mid-trip — so you're not learning the process for the first time during a loss.

RV claims often come with their own repair networks and valuation rules that a standard adjuster may not deal with often. Having an advocate who's navigated this before tends to make the biggest difference in how smoothly it goes.

You have an advisor on your side who already knows how claims work for your specific vehicle, so you get real guidance from the moment something happens. 

A motorcycle, ATV or snowmobile claim in a remote or Northern community can involve longer response times, limited local repair or towing options, and carrier processes that weren't designed around that geography, unlike a standard urban auto claim.

When a motorcycle, ATV, or snowmobile claim happens in a remote or Northern community, it rarely plays out like a standard urban auto claim. Response times stretch longer, local repair and towing options are scarce, and most carrier processes were never built with that geography in mind.

A broker who specializes in remote and Northern claims fills the gaps a standard process leaves behind. Instead of handing the household a claim to figure out alone, they coordinate transport, arrange repair access, and manage carrier communication with the region's realities already in view.

Distance changes everything about a claim. What takes a day in the city can take a week when the nearest adjuster is a flight away.

The result is simple: households in remote and Northern communities get their claim resolved without shouldering a process designed for somewhere else.