Do you need coverage for vehicles other than your car? belairdirect can help.
We offer complete or made-to-measure insurance coverage to meet your specific needs.
Motorcycle, scooter and moped
Whether you use your motorcycle, scooter or moped as your primary method of transportation or just for weekend trips, you need insurance that protects you on the road.
Caravan and travel trailer Travel trailer
Explore with peace of mind with travel trailer and caravan insurance coverage from belairdirect.
We’ve got answers to the most popular
seasonal and recreational insurance questions
A recreational vehicle is a mode of transportation that you drive or ride during select periods of the year, such as a snowmobile in the winter or your ATV that you use during the summer.
Recreational vehicles can include:
- Three-Wheeled motorcycles (Spyder 3-Wheel Scooters)
- Fifth wheels
- Travel trailers
**It’s important to note that different provinces classify different types of vehicles as recreational or as seasonal vehicles. Talk to your insurance agent and refer to the provincial website where you live for more information.
Unlike your everyday vehicle that you use year-round, a recreational vehicle only leaves the garage at certain times of the year. Depending on the vehicle, they can also be driven on more unique terrain, like when you take your ATV off-road or your snowmobile across a frozen lake. This creates a unique set of coverage requirements when it comes to your insurance.
No. Although you may think you’re saving money, you’re simply putting yourself at financial risk. Recreational vehicle coverage takes into consideration the fact that your vehicle won’t be driven for long stretches and adjusts your insurance premiums accordingly. This allows you to keep your recreational vehicle protected year-round, even while it’s in storage.
When you decide to cancel your insurance, you lose all coverage and benefits. Therefore, if something were to happen, like a fire in the storage facility where you keep your vehicle, you’ll have to pay for all the damage out of pocket.
Remember to contact your insurer a few weeks before taking your vehicle out of storage to make sure your recreational vehicle insurance policy is up-to-date and that you’re covered before you hit the road.