RV insurance in Ontario.
Compare. Hitch up. Head out.
One request. Objective comparison across 20+ Ontario RV carriers through our RIBO-licensed partner brokerages — motorhomes, travel trailers, fifth-wheels. Free, no obligation.
Coverage every Ontario
RV owner should map.
Ontario RVs range from towed travel trailers to Class A motorhomes pushing 40+ feet. Motorhomes are insured as automobiles — mandatory liability, SABS, DCPD. Trailers can be endorsed to a tow vehicle or written stand-alone. Placed by RIBO-licensed partner brokerages. The Ontario RV Association (ORVA) represents dealers province-wide. Full-timers, seasonal campers and weekend warriors each need different structures.
Liability (motorhomes)
$200,000 Ontario minimum, $2M standard for Class A/B/C. Motorhomes drive on Ontario roads and follow auto rules.
Accident benefits + DCPD
SABS applies to motorhomes — same regime as auto. Direct compensation for property damage when the other driver is at fault.
Comprehensive + collision
Essential for owned units — covers your rig for collision, theft, fire, weather, vandalism. Motorhomes and trailers alike.
Contents + personal effects
Kitchenware, bedding, electronics, outdoor gear. Standard limit $5k–$10k; endorse higher for luxury or full-time RVs.
Vacation liability
Extends personal liability while parked at a campground or attached to shore power. Standard on many Ontario RV policies — confirm limits.
Full-timer / total loss replacement
If your RV is your primary residence — full-timer coverage adds contents and liability equivalent to a homeowner policy. Total-loss replacement pays for a new unit within 5 years old.
Three steps.
Zero friction.
You describe your RV
Two minutes to describe class, length, year, seasonal or full-time use and your Ontario storage location.
We match you
Your request goes to a RIBO-licensed Ontario partner brokerage who specializes in recreational vehicles.
You head out
A partner broker returns the best rate — with seasonal storage credits and multi-vehicle discounts applied.
We serve every
major Ontario city.
They compared.
They saved.
“Class C motorhome, three months on the road each summer. Broker set up seasonal storage and I saved $340. First time anyone offered that.”
“Retired, full-timer travel trailer. Old policy didn’t get the setup. AccesDirect matched me with a broker who understood full-time coverage.”
“Fifth-wheel for weekends and Muskoka summers. Bundled with the tow truck, saved $220. Painless.”
Ontario RV insurance —
common questions.
Do I need separate insurance for my RV in Ontario?
How much does RV insurance cost in Ontario in 2026?
Can I get a seasonal storage discount?
What is full-timer coverage and do I need it?
Is contents coverage automatic?
Does my tow vehicle need special coverage?
Am I covered in the US?
Is AccesDirect really free?
Compare Ontario RV insurance rates
Free comparison. 2 minutes. No obligation. Your request goes to a RIBO-licensed Ontario partner brokerage.