Recreation Vehicle insurance, the basics.
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What is a recreation vehicle? Do I need to insure it?
The first questions to answer would be, what is a recreation vehicle and why would you choose to insure it.
A recreation vehicle is one that you would normally use to fun/relaxation. For example if you normally use your car to commute but on week-end drive a motorcycle then the motorcycle is considered to be a recreation vehicle. But on the other hand you use your motorcycle to go to work on hot days then the bike is no longer considered to be a recreation vehicle.
Some of the more common recreation vehicles are:
* Motorcycles
* Boats
* Snowmobiles
* Moto-cross bikes/trail bikes/Quad bikes
* ATV's (All Terrain Vehicles) sometimes used for trail rides or hunting
* Travel Trailers
* Motorhomes
* Caravans
* Personal Watercraft (jet-skis, Inflatable and so on)
Do you need to get a recreation vehicle insurance?
In almost every case the answer is yes, the most common reason is because most good insurance company will not charge you a premium for using a vehicle from time to time. You are usually not penalised for having a recreation vehicle. In most cases a recreation vehicles is well looked after, and because, by definition, it is only used once in a while, most insurance company will offer some very low quotes.
But the other important reason is because most recreation vehicles are not used as often so the likelihood of something happening increases.
You must accept that you are not as familiar with that vehicle as you are with your everyday one. So the likelihood off an accident increases.
You should always check with your insurance company that your insurance is up to date; it is often easy to assume that a vehicle is covered for, say, 12 months when in fact it is only covered for 6 months.
You must also ensure that you are carefully following the policy, if your recreational vehicle is an RV, (Motor home or Caravan), does your license allow you to drive it?
Is the vehicle itself 'legal', (can it legally be used for the purpose you are insuring it for?)
Remember that is almost all cases, breaking the local laws will null and void the insurance policy.
Related: Recreation Vehicle insurance, the basics.
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