Skip to content


Recreational Vehicle Insurance

Motor Home – Newfoundland and Labrador

Additional Coverage

Type of coverage Examples
All perils:

This coverage combines collision and comprehensive coverage.

It is the broadest coverage available as it covers all types of losses except for those specifically excluded.
  • A tree falls during a storm and damages your vehicle.
Collision or upset:

This coverage pays for damage to your vehicle caused by a collision with another object or by upset.
  • Your vehicle is damaged as a result of it flipping over on a trail.

This coverage pays for all other insured damage caused to your vehicle, except for collision or upset (e.g., fire, theft, vandalism).
  • High winds cause flying debris which damages your vehicle.
  • Vandals break into your garage and damage your vehicle.
Specified perils:

This coverage pays only for losses caused by perils specifically listed in the policy (primarily fire and theft).
  • Your vehicle is stolen and never recovered, or recovered with substantial damage.
  • Fire engulfs the house next door, spreads to your driveway and destroys your vehicle.
Accident benefits:

If you or any other person entitled to benefits under this coverage are in an accident, regardless of who is at fault, this may cover a portion of such expenses as:
  • Medical expenses
  • Rehabilitation expenses
  • Loss of income from employment
  • funeral expenses
  • death benefit

Application forms will be provided to assist you with your accident benefits claim which will be processed within the policy time limits.
  • You break a leg in an accident and need rehabilitation. The rehabilitation and other medical costs may be covered as a supplement to any basic health insurance you already have, subject to your insurance policy limits.
  • A vehicle loses control, hitting your vehicle and injuring you. If you carry insurance, your loss of income from employment may also be covered, subject to your insurance policy limits.

As with all insurance contracts, loss or damage coverage is subject to limits, deductibles and exclusions. Please see your insurance policy for the extent of your coverage.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.