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Protect your RV, belongings, and travel plans with coverage built for the roads, weather, and risks Saskatoon drivers face. Saskatoon residents love to hit the open road, whether it’s to Candle Lake, Waskesiu, or across Canada and the U.S. in their RVs. But road trips come with risks like all-too-familiar hailstorms, highway collisions, theft, and wildlife, all of which can turn your vacation into an expensive bill. But with RV insurance in Saskatoon, you can enjoy your journey worry-free by protecting your interests, vehicle, and belongings against losses, liabilities, and more.
Get a free Saskatoon RV insurance quote with BrokerLink and head out onto the open road with confidence.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
RV insurance is a type of auto insurance specifically designed to protect recreational vehicles like motorhomes, fifth wheels, travel trailers, utility trailers, and camper vans. In Saskatchewan, all motorized vehicles must be registered and insured by Saskatchewan Government Insurance (SGI). This basic plate insurance includes $200,000 in liability protection, some accident benefits, and minimal all-perils coverage for damages.
That being said, most RV owners know that basic plate insurance leads to coverage gaps that could lead to consequences, which is why most opt to purchase RV insurance through private insurance companies to supplement their plan. You can think of RV insurance as an extension of your auto insurance. While there are numerous additional policies you can choose from, this optional insurance typically covers:
Liability protection for bodily injury and property damage
Collisions and accident damage
Theft and vandalism
Contents insurance for your personal belongings
Fire and smoke damage
Severe weather damage
In Saskatchewan:
Motorhomes are required to purchase liability insurance through SGI.
Trailers are not legally required to be insured, but having coverage is recommended to protect your investment.
Most lenders, RV parks in Canada, and other financing companies require proof of insurance as a condition of the agreement.
If you own an RV, the law states you are required to purchase basic SGI plate insurance. However, these coverage options are minimal and often don’t protect you against the numerous risks you’re exposed to.
Motorhome insurance is therefore ideal for:
Motorhomes, camper vans, and trailer owners, whether you’re a full-time RVers or use your recreational vehicle for seasonal road trips.
Families who enjoy travelling north for weekend camping trips throughout the year.
Retirees exploring Canada coast to coast for the first time.
First-time RV buyers financing a recreational vehicle through a dealership.
Cottage lot and seasonal park site owners.
So, what are the types of risks Saskatoon RV owners face?
Hailstorms and prairie storms: Hailstorms, high winds, and flying objects can put your RV roof and exterior siding at risk of physical damage.
Highway collisions: Major highways like Highway 11 and 14 connect Saskatoon to the many lakes and parks around the area. These routes see hundreds of accidents each year.
Theft and vandalism: Outdoor storage, driveways, and campgrounds are targets for theft and vandalism, especially during the summertime when local parks and campsites are busier.
Wildlife incidents: Collisions with deer, bears, moose, and other animals are common on rural roadways, which can significantly damage your RV.
Fire and flood damage: Seasonal storage or campfire fires can result in extensive property damage and expensive out-of-pocket expenses.
All RVs must have basic insurance via the SGI Auto Fund. The government-issued insurance coverage includes the following insurance policies:
Third-party liability insurance
Accident benefits (personal injury protection plan)
Limited all perils coverage
Collision insurance
Comprehensive coverage
Contents coverage
Loss of use insurance
Roadside assistance
Accessory protection
Seasonal lay-up coverage
Full-timers coverage
Agreed value vs actual cash value
Third-party liability coverage safeguards you if you cause injury or property damage to somebody else while driving a recreational vehicle. For example, if you accidentally rear-end someone on Highway 11 and damage their vehicle, you’d be held liable for any costs that may arise.
However, with third-party liability coverage, all repair and replacement costs, medical bills, legal fees, and settlement-related expenses will be compensated by your insurance company. SGI requires all motorists to carry a minimum of $200,000 in third-party. However, most choose larger limits up to $1 or $2 million through private insurance providers to ensure they are sufficiently covered.
Personal injury protection plan, also known as accident benefits, will pay for medical costs, rehab, and income replacement if you, passengers in your vehicle, or pedestrians suffer injuries in a car accident, no matter who is at fault. For example, if you’re backing out of your driveway and accidentally hit a pedestrian, accident benefits will kick in automatically.
Ultimately, on long road trips from Saskatoon to Candle Lake or beyond, accident benefits ensure that even severe injuries won’t leave you with huge medical bills or without income while you’re recovering.
All perils insurance compensates policyholders for RV repairs caused by an accident or non-collision incident, such as theft, vandalism. But this coverage is limited and will likely not reimburse you for all expenses incurred. The deductible for this policy is $700, but you can reduce this amount by opting for optional insurance coverage from a private insurance provider.
Collision coverage is intended to supplement SGI’s limited all-peril coverage. It will pay for the cost of repair or replacement if your RV is damaged in an accident in which you are at fault. For example, if you strike a deer on a rural road near Saskatoon or another car on the highway on your way to Gordon Howe Campground, this coverage assures you won’t be liable for the entire repair bill. All you’ll have to pay is your deductible.
Comprehensive coverage also supplements your limited all-perils coverage by protecting you against non-collision damages such as theft, vandalism, fire, hail, and other severe weather-related events. For example, if you store your RV in your driveway and it suffers dents and other damage following an unexpected hailstorm in the summertime, comprehensive insurance will kick in.
Again, all you’ll need to do is pay your deductible to your insurance company, and they will cover the rest.
Contents insurance protects the contents inside your RV. Whether it’s your clothing, outdoor gear, and other items will be protected from theft, vandalism, fire, and extreme storms, ensuring that your provider covers the repair and replacement costs that may arise following an unexpected event.
If your RV is being repaired as a result of a covered claim, loss of use insurance will pay for the cost of a rental car or hotel room while your RV is being repaired. For example, if a windstorm severely damages your camper van right before your cross-province road trip, Saskatchewan Landing Provincial Park, this coverage ensures your vacation isn’t ruined before it’s even started.
Being stranded on a rural road outside of Saskatoon in subzero temperatures is not something anyone wants to experience, especially when you’re on your way to Optimist Hill to do some winter skiing. Roadside assistance provides emergency assistance for flat tires, dead batteries, fuel delivery, and towing if your RV experiences a mechanical issue while on the road.
Accessory insurance safeguards any RV accessories you’ve purchased. Rooftop solar panels, bike carriers, shading structures, and navigation systems are all pricey, especially when you have to replace them yourself following an incident out of your control. With this kind of insurance in place, your insurance company will pay for any repairs or replacements required following a covered loss.
Lay-up insurance enables you to stop your liability and collision protection while keeping your comprehensive coverage active during the months your RV is in storage. By doing so, you can continue to safeguard your RV against theft, vandalism, fire, and severe weather damage while lowering your premiums.
For Saskatoon residents who live in their RV year-round, full-timer’s coverage protects your RV that’s similar to a home insurance policy. It covers the structure of your RV, your contents, and you against liability claims.
Agreed value insurance coverage allows you to agree to a replacement value for your RV at the time you purchase your RV insurance in Saskatoon. Should your RV be damaged beyond repair, an agreed value policy will compensate you for the agreed value.
In contrast, an actual cash value accounts for depreciation, which means you may not be fully compensated for the cost of your RV if it is written off following a covered loss. Actual cash value policies typically have lower premiums than agreed value policies, but offer less financial protection should a loss occur.
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While motorhome insurance is a necessary expense, that doesn’t mean you can save money on your premiums without cutting back on your coverage. If you want to keep more money in your pocket while maintaining an insurance policy you can still feel confident in, here’s what you need to do:
Consider bundling your car insurance, motorhome insurance, home insurance, motorcycle coverage, and other insurance policies with the same insurer. Bundling your policies with the same company can qualify you for a 15% discount.
Storing your RV inside a secure garage on your private property or in a separate storage facility with 24/7 security can lower your risk profile by decreasing your risk of theft. In turn, you can qualify for a discount of up to 5%.
Beyond storing your RV inside, consider equipping your motorhome with alarm systems, security cameras, GPS systems, and other preventative measures. Again, this will lower your overall risk profile and qualify you for a 5% discount with your provider.
The best way to be accepted for cheaper insurance rates with your insurance company is to remain claim-free. The more time you go without a claim, the less you’ll pay in premiums. For the sake of keeping a safe driving record, look into taking a safe driving course. Most providers recognize these courses and will qualify you for further savings on your premium.
If your RV is kept at home throughout the winter months, seasonal lay-up coverage guarantees that it is insured when not in use, while also lowering the cost of your insurance.
A deductible is the sum that you must pay to your insurer when submitting a claim before they will cover any outstanding charges. Choosing a larger deductible, such as $1,000 rather than SGI’s $700 deductible, means you will bear a greater financial burden if you need to submit a claim. In exchange, your insurance will reduce your premiums slightly. You can also lower your deductible from SGI’s $700 deductible you receive with basic plate insurance, but this will increase your premium.
The majority of insurers charge an additional fee if you pay for coverage monthly instead of in full. This is because processing each of your payments incurs a cost for your insurance carrier. As a result, you can steer clear of these extra costs by paying for your insurance in a single payment rather than in instalments.
Your risk profile may be assessed differently at one provider than it is at another. To ensure you’re getting the best coverage and deal available, make sure to compare quotes beforehand. That way, you can keep your costs low without sacrificing coverage.
Insurance brokers work separately from providers, giving them the option to shop around, compare rates, and find the right insurance for their customers. The best part of all is that working with brokers like BrokerLink is free!
Your RV insurance coverage in Saskatoon should be tailored to your current needs, which is why reviewing it once a year is essential. This way, you can avoid paying too much for out-of-date coverage and any coverage gaps.
The amount you pay for RV insurance is determined by your risk profile. The higher your risk is assessed as, the more expensive your insurance rates will be. In contrast, the lower your risk profile, the more you can expect to save. Insurance companies use multiple factors to figure out your customer profile, and when it comes to RV insurance, they’ll consider:
Class A, B, and C motorhomes are typically more expensive to insure considering their size, greater repair and replacement expenses, and sophistication. Trailers, toy haulers, and fifth wheels, on the other hand, may have cheaper rates due to their lower repair or replacement costs, part availability, among other factors. On average, Saskatoon RV owners can expect to pay anywhere between $500 and $2,000 or more annually.
The higher your RV’s value, the greater your insurance limits are going to be to guarantee you are fully reimbursed if something happens. Naturally, greater insurance limits will result in higher premiums.
On the other hand, well-kept RVs typically have cheaper insurance premiums since they are less likely to experience mechanical problems or suffer significant damage in a crash, while poorly kept RVs may be charged higher prices due to their increased exposure to these risks.
The more insurance claims that you have on file, the higher your insurance premiums will be. On the other hand, a clean claims history will make you eligible for discounts on your premiums. Likewise, RV owners with bad driving histories can expect greater insurance costs than those with clean driving records.
Storing your RV indoors or underneath a secure canopy reduces your risk of vandalism, theft, and extreme storm damage. On the other hand, keeping your RV parked in an unprotected area, such as your driveway or front yard, can raise your exposure to risk and overall insurance premiums.
Those who use their RV seasonally can anticipate paying less for their insurance, because they spend fewer hours behind the wheel, which lowers the risk of accidents. On the other hand, if you live in your RV full-time, you will need year-round protection and additional insurance policies, which are going to cost more.
More expensive belongings and after-market upgrades to your RV may increase the replacement cost value, which will require greater coverage limits and additional policies to fully protect, whilst standard, low-cost RVs with few accessories will require less coverage, which is usually more affordable.
The greater your coverage limits and the more additional policies you purchase for your RV in Saskatoon, the more you are likely to pay for RV insurance compared to someone who chooses basic SGI insurance only.
At the same time, the lower your deductible is, the more your premiums will be, whereas opting for a higher deductible can lower your rates slightly.
From Saskatoon’s unpredictable weather conditions to highway collisions and theft, your RV lifestyle comes with risks, but that shouldn’t keep you from exploring the great outdoors. Whether you’re heading north to Waskesiu or crossing into the U.S., make sure your RV is protected every kilometre of the way with the help of BrokerLink.
With years of experience partnering with RV owners across Saskatchewan, our brokers are equipped with the local expertise required to help you find the right coverage for the right price. Contact BrokerLink over the phone and email to speak with a broker directly or get a free insurance quote using our online quote tool right now!
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Yes, RV insurance is legally required for motorhomes through SGI Canada, which includes $200,000 in liability, some accident benefits, and minimal all-perils insurance with a $700 deductible. Trailer insurance is optional, as liability insurance coverage is extended from the vehicle towing the trailer to the trailer itself.
Yes, you can pause insurance for your recreational vehicles during the wintertime by opting for a seasonal lay-up insurance endorsement. This endorsement pauses your liability protection while maintaining your comprehensive policy to ensure you’re still protected against theft, vandalism, fire, and severe weather damage.
Yes, you will need special coverage to travel into the U.S. Most insurance companies offer cross-border endorsements that extend the coverage for your recreational vehicles beyond Saskatchewan.
Your car insurance coverage only extends liability protection to your trailer. Auto insurance does not protect you against property damage or theft that may occur. You will need to purchase separate RV or trailer insurance to ensure you’re protected against these perils.
The personal belongings stored in your recreational vehicles are not automatically covered by standard RV insurance in Saskatoon. You will need to purchase separate coverage through a private company, also known as contents insurance.
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