Trailer and motorhome insurance

Enjoy the journey, we’ve got you covered.

Flexible trailer and motorhome insurance
Get coverage tailored for the open road. At Co-operators, we’ll build a policy that meets the specific needs of recreational vehicle drivers like you.

What we cover

Camper trucks
Specially constructed, detachable sleeper units that are mounted in the bed of a pickup truck.
Fifth wheel trailers
Large camper trailers towed by full-size trucks using an installed truck bed hitch.
Tent trailers
Folding camper trailers designed for use as a dwelling that can be collapsed for storage and transportation, with either a hard or soft top.
Travel trailers
Camper trailers or caravans, with living quarters, that can be towed by a small car or truck.
Utility trailers
Open or closed load carrying trailers or tow dollies, including toy haulers without living quarters and horse trailers for up to two horses.
Motorhomes
Motorized vehicles that are designed for recreational travel and accommodation. They include trucks equipped with a non-detachable camper body, as well as converted buses and vans that are not used for general transportation. To get a quote, call 1-877-545-2667. In Quebec, call 1-877-630-2667. Or you can connect with a financial representative.
Get our best price for the coverage you need
Here’s how you can save on trailer and motorhome insurance:
Insure more than one vehicle with us
Have more than one vehicle? Get better rates when you bundle and insure them with us.*
Take advantage of group insurance
Does your employer offer our group auto insurance? Group members can save up to 40% when they switch to Co-operators. Get a group auto insurance quote.
Explore our coverage

Mandatory coverage

In Canada, we don’t have a one-size-fits-all plan for trailer and motorhome insurance. Your minimum coverage depends on where you live. Find out how insurance works where you live. Here’s a quick look at some of these types of coverage:

Accident Benefits
Accident Benefits cover medical expenses, income replacement or funeral costs in case of an accident.
Direct Compensation Property Damage
If you’re in an accident that’s not your fault, this coverage takes care of your trailer, motorhome and everything in it.
Liability
Covers your obligations for causing injuries or property damage if you're found responsible for causing an accident.
Uninsured Automobile
Ever wonder who pays the damages if you’re involved in an accident with an uninsured driver? This coverage helps take care of the costs arising from injury, or worse. 

Extra coverage

Want added peace of mind? You can increase the amount of coverage on your vehicle, or you can add on additional coverage. Options vary by province. Here are some optional types of coverage to explore:

Collision

This covers the cost of repairing or replacing your trailer or motorhome if you cause an accident.

Comprehensive

If your vehicle is damaged or stolen, this coverage will help you repair or replace it.1

Loss or damage to your automobile and equipment

This covers you for any insured loss or damage to your vehicle and its equipment, such as the stereo or microwave.

1 Comprehensive doesn’t insure your vehicle against theft if a member of your household steals your vehilce, or if an employee whose job involved using or maintaining the vehicle steals it.

Talk to us today

Call or meet with us to get the right trailer and motorhome insurance for you.

*All bundled savings are based on filed discounts and rates. Savings vary based on each individual’s insurance profile and are not guaranteed. Savings vary by province. The advertised bundled offer applies when you bundle recreational vehicle, home and auto insurance. It includes a welcome discount for new home and auto insurance clients, a claim free discount for home insurance clients and a conviction-free rating (in ON) or conviction-free discount (in NS, AB, NB and QC) for auto insurance clients. For home insurance clients, the welcome discount is available only for homeowners (excluding condominiums, mobile homes, seasonals and rented properties). The conviction-free rating or discount is available on private passenger vehicles and requires all drivers to have no minor/major and/or serious/criminal code convictions and no demerit suspensions in the preceding 3 years. Certain conditions, limitations and exclusions may apply. To be eligible for the claims free discount, you must have been with your current provider for a period of 5 years. If you have not been with your current provider for 5 years, you must be claims free with your other providers for the preceding 5 years. Contact a licensed Co-operators representative for detailed information about how savings could apply to you.