Recreation vehicles are used for travel and recreation rather than mere transportation. Campers, boats, canoes, kayaks, snowmobiles, all terrain vehicles, jet skis, motor homes, travel trailers, and tent trailers are all examples of recreation vehicles. If you own this type of vehicle, special recreation vehicle insurance is needed for them. While traditional policies may apply to your recreation vehicle, these policies will not cover the unique needs of these vehicles as well as recreation auto insurance can, which means that you may need to pay thousands of rupees additionally if your vehicle is damaged or stolen.
After planning your budget, you may be tempted to get cheap auto insurance on your recreation vehicle. After all, your vehicle is covered in such a coverage policy, and if you have a traditional car you can often get a great discount by insuring your car and your recreation vehicle on a similar policy with the same insurance provider. However, this coverage is unlikely to fully protect your recreation vehicle, hence it is very different from the other types of insurance policies. Insurance coverage for recreation vehicles offers several features that your regular car insurance simply cannot match:
Since recreation vehicles tend to depreciate faster, some insurance providers offer total loss replacement. This type of coverage gives you full replacement value on your vehicle if your vehicle is damaged beyond repair.
The Agreed Value Coverage type of coverage ensures that you get an agreed-upon value for your vehicle if it is damaged beyond repair.
Since many people take family and friends with them when using recreation vehicles, many insurance providers offer extended liability insurance. This means that if anyone is injured using your vehicle, their medical and legal costs will be covered and you will be safer from lawsuits.
If you own a camper or trailer, you likely store a large amount of property inside - including clothing, appliances, satellite dishes, electronics, and other property. Only specialized insurance for recreation vehicles ensures that this property is fully covered in case of damage or loss.
Since the costs of towing larger recreation vehicles can be quite large, many insurance providers will add this coverage to your policy.
Since many people use their recreation vehicles at campsites, insurance policies designed especially for these vehicles sometimes offer extra protection against damage that occurs at campsites.
Some insurance providers offer you coverage that extends to other countries. This is a very useful feature if you plan on taking your recreation vehicle out of the country and do not wish to pay extra in travel insurance. Having this sort of coverage can also, of course, increase the flexibility of your recreation vehicle by allowing you to take your vehicle where you please.
Some insurance providers will cover the way you transport your recreation vehicle as well. For example, if you use a special trailer to attach your camper to a truck, the trailer may be covered.
If you have a trailer, camper, boat, or other recreation vehicle, you need to look for a recreation auto insurance provider who offers good recreation vehicle insurance. Your current car insurance company may provide a special policy just for recreation vehicles. You can also contact an insurance broker for the latest information about these insurance policies. However, other recreation vehicle companies are often your best source of news about vehicle insurance. If you belong to group specializing in recreation vehicles, then the other members you meet in this fashion will be able to share with you their insurance stories and give you a true sense of which vehicle insurance providers would be best for your recreation vehicle.
Once you have the names of a few insurance providers, you will want to contact the companies to ask them about their policies. Get a quote for your recreation vehicle and ask plenty of questions about the coverage and about the insurance company. Aim to get the most coverage for the least amount of money. If you need to, however, focus on liability and comprehensive insurance for your vehicle.
Obviously, recreation vehicle insurance is very different from regular car insurance. Since recreation vehicles need special coverage in order to keep you and your pocketbook safe, it makes sense to invest in good recreation auto insurance rather than trying to get general car insurance to cover your recreation vehicle. If you ever need to file an insurance claim, you will be glad that you went through the extra effort to secure good coverage for your vehicle.