Which types of recreational vehicles are insured under car insurance?

Insurance Coverage for Recreational Vehicles

Summer is just around the corner, and that means more time spent outdoors enjoying recreational vehicles like campers, ATVs and motorcycles. But before you start making summer plans, be sure you have the right type of insurance coverage for your needs. Keep reading to learn which types of vehicles are insured under your auto insurance in Edmonton, which ones aren’t, and the various types of coverage options designed to give you the most protection.

Your coverage options

Certain types of recreational vehicles, like small campers, can either be included under your home or auto insurance or alternatively insured on their own. Your auto insurance can provide coverage for recreational vehicles like:

  • ATVs
  • Motorcycles
  • Motorhomes
  • Truck campers

Insurance coverage for recreational vehicles

If you’re comparing insurance quotes in Edmonton, there are a number of different options for protection you should be on the lookout for if you choose to insure your motorcycle, ATV or other type of recreational vehicle under your auto insurance policy.

These options include:

  • Third-party liability coverage
    Third-party liability covers you in the event that you cause an accident or damage someone else’s property. Provincial law stipulates that you must have a minimum of $200,000 in third party liability, but many people opt for at least $1 million dollars in coverage for added protection.
  • Collision or upset coverage
    Collision coverage is an optional type of coverage that helps cover the cost of repairs to your recreational vehicle in the event of an accident.
  • Comprehensive coverage
    This type of coverage is essential when storing your recreational vehicle, and protects you against damages caused by vandalism, theft, extreme weather or natural disasters.
  • Accident benefits coverage
    Like third-party liability coverage, accident benefits coverage is legally required in the province of Alberta. This protects you as well as your passengers in the event of an accident.
  • Uninsured automobile coverage
    This type of coverage protects you if you are involved in a collision with a vehicle that is uninsured, or if you are the victim of a hit and run.
  • Family protection coverage
    This type of coverage gives you added protection if you and your family members are in an accident that was not your fault, and the at-fault driver doesn’t have adequate insurance coverage to provide the compensation you need.


For more information about the various types of insurance coverage available, visit HDF Insurance in Edmonton today. Our insurance brokers can help you get the insurance you need to feel protected in every type of situation. Contact us to learn more about the coverage solutions we offer or to request a free quote.