RECREATIONAL VEHICLES IN BRITISH COLUMBIA
The staff at Johnston Meier Insurance understands that no two vehicles need the same additional coverage, including recreational vehicles. If you drive a motorhome, 5th wheel, or travel trailer, your ICBC basic insurance might not give you adequate financial protection while you’re driving. Our network of insurance providers can provide add-ons that surpass your basic coverage. A recreational vehicle is an expensive investment that brings you and your family joy as you cruise the British Columbia’s scenic highways. The impending costs after a collision, vandalism, or theft can leave you financially strained with bills for repairs and possible medical expenses. While ICBC coverage allows you to drive your RV throughout the province legally, the costs of restoring or replacing it after an accident may exceed what ICBC will handle. If you’re found at fault for a collision, your financial responsibilities increase with the damage to other vehicles and their passengers. Whether you need excess third-party liability or gap coverage to close the cost difference on a replacement, we’ll help you select the options that suit your insurance needs and fit within your budget.
Basic Insurance Coverage with ICBC
With your mandatory basic coverage with ICBC, you get minimal required insurance that encompasses injury treatment, liability, and other damages. The Basic Autoplan insurance only covers you up to a certain amount, which may fall short of your incurred expenses from an accident. There are also restrictions with ICBC coverage, such as it’s limited to Canada and the United States. If you’re driving to Mexico or plan to take your RV abroad, you’ll need to purchase insurance before crossing the border. ICBC’s insurance includes:
- Third-Party Liability – This coverage protects you from other motorists’ claims for material damage or injury to a maximum of $200K when you’re found at fault for an accident.
- Accident Benefits – Regardless of who was responsible for an accident, these benefits pay for medical expenses, rehabilitation, and other treatment costs, as well as the loss of benefits or wages and the expenses of a crash-related death.
- Underinsured Motorist Protection – You and your other household members are covered when a motorist is responsible for a crash but doesn’t have insurance, or the insurance they have is not sufficient to cover all the resulting injuries.
- Inverse Liability Coverage – This benefit covers you for any damage to your RV or automobile in parts of the United States and Canada, where you’re restricted by law from recovering your losses from the driver responsible for the crash.
- Protection Against Uninsured and Hit-and-Run Motorists – If you are killed or injured by an uninsured or hit-and-run motorist, this insurance benefit covers you to a maximum of $200K.
Enhance Your Coverage with Private Insurance
Driving a recreational vehicle is already a costly investment of both time and money. You don’t want to add to the financial strain with overwhelming expenses after an accident. You can drive a travel trailer, motorhome, or 5th wheel vehicle and need insurance coverage that protects you from draining your life savings on medical bills, repair costs, and lost wages from missing work. While ICBC’s Basic Autoplan insurance allows you to drive your RV legally, the benefits and restrictions might make your coverage fall short of what you need. When you work with the team at Johnston Meier Insurance, we help you enhance your insurance to sufficient coverage through our network of insurance providers. You can bolster your basic ICBC coverage with optional benefits that surpass the minimum requirements. Here are some examples of benefits our providers offer:
- Excess third-party liability gives you protection that exceeds the minimal $200K if you’re found at fault for an accident that results in damages or injuries.
- Collision covers the costs of your vehicle repairs regardless of who is responsible for an accident.
- Comprehensive coverage gives you protection from various types of damage to your RV that are not related to a collision.
- Replacement cost coverage provides a brand-new vehicle or a cash payout if your RV is deemed a total loss.
- Excess underinsured motorist protection covers the expenses of you or your passengers if an at-fault driver causes a crash, and their insurance isn’t enough to pay for the resulting injuries or damages.
Let Us Help You with Your ICBC Renewals
To help you stay legal on the road, Johnston Meier Insurance offers ICBC renewals so that your recreational vehicle has the required minimum coverage. Our priority is to ensure you get the insurance coverage you need to drive safely and without the worry of financial burdens if you’re involved in an accident. While our network of insurance providers can help you find benefits to enhance your protection from resulting vehicular damage or injury, the first step is to make sure you comply with our provincial laws. Our staff will help you through every step of insuring your RV, so you can just enjoy the open road.
Johnston Meier Insurance’s Network of Providers
Johnston Meier Insurance is ready to help you protect your 5th wheel, motorhome, or travel trailer with optional insurance that covers your financial worries. Contact us today to speak with a member of our staff about your insurance needs, or you can request a quote by filling out a simple form.
Johnston Meier Insurance Agencies Group is a locally owned and operated insurance brokerage. We have grown from a single site, established in 1973 in Maple Ridge, BC to over 46 insurance agency locations throughout metro Vancouver and British Columbia.
Based on the simple principle of putting customers first, we are now one of the largest insurance agencies in the province and still growing. Our team of insurance professionals in both personal and business categories has a reputation for providing best in class service that saves you, our customer both time and money.
When you choose Johnston Meier you can rest assured, knowing that you’re protected against life’s unforeseen circumstances.
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My Husband and I have been dealing with Johnston Meier for over 20 years. All I can say is every one of the staff at Johnston Meier are amazing; professional, friendly, and knowledgeable, and I'm so glad that's where we get our insurance.
Johnston Meier Insurance Agencies Group goes the extra mile to ensure their clients are truly taken care of. The staff gives us a lot of personal attention, and we certainly recommend the insurance agency to everyone.
We've used the Johnston Meier Mobile department since opening Maple Ridge Hyundai. We can always rely on them to provide our customers and staff with quick efficient service and highly recommend them.
We are delighted with the personalized service you provided us in tailoring our insurance package to our needs and went out of your way to direct us to savings options, including the credit score discount!
In all the years of dealing with insurance companies, I have never been treated so exceptionally well before! Shari Kidney made my experience amazing, she was extremely helpful, kind, and professional. She made a normally stressful task, quick and easy. Absolutely excellent customer service, I left the office feeling like I mattered and I highly recommend the Johnston Meier Group! Thank you Shari.
We've been with Johnston Meier ever since we started our Home Improvement Company. Garrin & his staff always impress with their attention to detail and customer service. Couldn't be happier
All the staff at your office always provides the highest standard of performance of any business I deal with.
I have been through a series of moves including building a new house, furniture in storage, renting for a short period, etc. Colleen at your Salmon Arm office took care of all the steps along the way, explaining everything and following up as necessary. Thanks!
For over 15 years Johnston Meier has taken care of our fleet of vehicles. Service is great and the staff are always friendly and helpful.
We appreciate Trish's professional expertise & trust her to ensure we have the proper coverage for our needs. Thank you for years of keeping us safe.
We've been with this company over 20 years for business, residential and auto coverage. Trustworthy, top level service year after year from knowledgeable, courteous staff. Absolutely recommend for all types of insurance.
If you would like more information before visiting one of our locations, let us know. Someone from the closest insurance office; with the right experience will contact you to help with your questions.
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