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07-20-2018, 08:43 PM
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#1
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Junior Member
Join Date: Jul 2018
Posts: 23
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Can't get insurance on our motorhome?
Hi everyone. I am from Canada, Ontario.
So we've purchased our Class A Motorhome tonight, and two insurance companies already declined to provide insurance for it.
We are getting worried, because we can't drive it anywhere without license plates, and those can't be issued without a valid insurance.
First company's reason - Need a minimum of 8 years driving experience in Canada (I have only 4). - Aviva insurance (Apparently Wayfarer insurance deals through them)
Second company's reason - Need a minimum of 2 years motorhome driving experience (have none, like anyone else who starts to drive an RV...). - CAA insurance
Has anyone encountered similar issues and how did you get over them? If so, please let me know.
I have no tickets or offenses, my driving record is clean, I'm over 25, I am the new owner of the motorhome, and it's fully paid for, it is not older than 20 years, it has not been in crashes, and it is not over 40ft - which are all typical reasons for denial. But me, I just ran into driving experience issues?
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07-20-2018, 08:50 PM
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#2
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Senior Member
Country Coach Owners Club Solo Rvers Club iRV2 No Limits Club
Join Date: May 2011
Location: Vancouver, WA
Posts: 37,725
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 from WA State.
I don't know anything about insurance in Canada but I guess you'll need to keep trying. Are there any brokers that deal with multiple companies that could help?
__________________
2009 45' Magna 630 w/Cummins ISX 650 HP/1950 Lbs Ft, HWH Active Air
Charter Good Sam Lifetime Member, FMCA,
RV'ing since 1957, NRA Benefactor Life, towing '21 Jeep JLU Rubicon Ecodiesel
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07-20-2018, 08:56 PM
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#3
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Junior Member
Join Date: Jul 2018
Posts: 23
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Quote:
Originally Posted by Mr_D
from WA State.
I don't know anything about insurance in Canada but I guess you'll need to keep trying. Are there any brokers that deal with multiple companies that could help? |
Thanks!
Yeah I will keep trying for sure, we came this far and we must find a way... I'm going to be looking for such brokers, maybe they can help, yeah.
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07-20-2018, 09:03 PM
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#4
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Community Moderator
Newmar Owners Club
Join Date: Feb 2011
Location: Point Pleasant Beach, NJ
Posts: 31,553
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Glad to have you here in the forum with us. You're gonna like it here. 
Let us know if we can help you further.
Happy Trails!!!
__________________
Tony & Ruth........... FMCA#F416727
2016 London Aire 4519, Freightliner chassis, Cummins ISX, 2018 Jeep Wrangler Unlimited, Blue Ox Avail with AF1. TST 507 TPMS
No amount of money can buy you an extra second of time.
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07-20-2018, 09:09 PM
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#5
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Senior Member
Join Date: Sep 2017
Location: Medicine Hat AB
Posts: 456
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I am in Alberta, but I have had good luck with State Farm Ins or Allstate.
Good luck with your search.
__________________
Current:2008 Triple E Commander 3202FB V10, F53, CHF, Safe-T-Plus, 5Star tune, 2008 Edge Limited AWD Toad, Ready Brute Elite towbar, Demco baseplate
Past: 8 RV's over 32 years.
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07-21-2018, 06:00 AM
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#6
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Senior Member
Tiffin Owners Club
Join Date: Jul 2016
Location: Where we park it!
Posts: 13,145
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Welcome to the forum.
You might also contact a local RV dealer and see if they can give you any information on different insurance carriers that they deal with.
Good luck and enjoy the adventure.
__________________
momdoc
2018 Tiffin Allegro RED 37PA
2020 JEEP Trailhawk
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07-21-2018, 06:36 AM
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#7
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Senior Member
Join Date: Aug 2017
Posts: 2,104
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Time to start looking for another insurance company . Just tell them you are going to move your insurance to another company . Maybe they will change their mind . I haven't had any problems getting insurance ,just finding a good rate is hard.
__________________
1993 Tiffin Allegro Bay 32'
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07-21-2018, 06:46 AM
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#8
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Senior Member
Join Date: Jul 2017
Posts: 1,343
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I wonder if it has something to do with the stricter laws there for truck drivers due to all the incidents. Would it help if you took some kind of training?
__________________
98 Monaco Windsor
2015 Rubicon Toad
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07-21-2018, 07:17 AM
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#9
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Senior Member
Winnebago Owners Club Mid Atlantic Campers
Join Date: Oct 2013
Location: Home Base: Northern Virginia
Posts: 306
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In the States, RV associations like Good Sam and FMCA sell insurance through their in-house insurance agencies that can place insurance with many companies. That might be true up in Canada, too. If so, let them do the work for you. They know the insurance companies' requirements and can find one that will take you on. Good luck.
__________________
2004 Itasca Spirit -- The Darlin' Dot II
A big fan of Jimmy Buffett, The Boston Red Sox & The Open Road
"It's 106 miles to Chicago, we've got a full tank of gas, half a pack of cigarettes, it's dark ... and we're wearing sunglasses."
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07-21-2018, 08:09 AM
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#10
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Senior Member
Join Date: Jul 2014
Posts: 35,441
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Quote:
Originally Posted by Soppy
Time to start looking for another insurance company . Just tell them you are going to move your insurance to another company . Maybe they will change their mind . I haven't had any problems getting insurance ,just finding a good rate is hard.
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Thats funny. Do you think an insurance co. cares if you switch ?
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07-21-2018, 08:38 AM
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#11
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Registered User
Ford Super Duty Owner
Join Date: Nov 2014
Location: NW Ohio
Posts: 7,114
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Keep looking, lie ----
Is there a log book or something that documents your experience?? I suspect not, so its your word.
This was a very common problem with high performance jets... We couldn't get the pilot insurance unless they had x number of hours in type... Basically, if they lied on the app, and there is a claim, the claim could be denied.. After they have achieved the minimum number of hours, they need to update the application to show the number of hours they currently have and the date. then its no longer an issue..
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07-21-2018, 08:54 AM
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#12
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Senior Member
Join Date: Mar 2010
Location: N. E. Ohio & Lady Lake Fl.
Posts: 1,120
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If you bought from a private party, finding out who they were insured with would be a good start. 
__________________
Ron WD8CBT
I started out with nothing and I still have most of it left 
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07-21-2018, 10:57 AM
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#13
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Junior Member
Join Date: Jul 2018
Posts: 23
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Thank you for the suggestions, guys!
We found a broker that has access to different insurance companies, and we had it done within 30 minutes over the phone at the fraction of the hassle and at half the price of what we were quoted with other companies! To whomever will find this thread in the future - don't give up, keep calling, and don't deal with insurance companies directly 
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07-21-2018, 11:03 AM
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#14
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Senior Member
Join Date: Oct 2012
Location: Foley AL
Posts: 7,138
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Quote:
Originally Posted by romtim
Thank you for the suggestions, guys!
We found a broker that has access to different insurance companies, and we had it done within 30 minutes over the phone at the fraction of the hassle and at half the price of what we were quoted with other companies! To whomever will find this thread in the future - don't give up, keep calling, and don't deal with insurance companies directly |
Sometimes the local brokers are the best choice for obtaining home insurance too. Competitive rates and far less hassle.
__________________
2005 Newmar Essex 4502, 2013 Caddy SRX
1997 HR Endeavor 37, CAT, 1996 Geo Tracker
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