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There is much excitement in planning an RV road trip and being in the driver’s seat of your own adventure. Part of the enjoyment is choosing where you will go, how long you will stay at each place, who will drive, what RV size and style to get, how many beds you will need and what you will take with you. Planning an RV trip can be exciting, but it is also important to budget all the costs, including making sure that you are protected by insurance. In planning your RV road trip, several factors outlined here should be considered in advance in order to help your trip unfold smoothly.

Choose Your Route

Detailing your route in advance will enable you to plan ahead by knowing how many kilometres you plan to drive, what to expect in terms of gasoline costs, and toll roads you may come across along the way. The RV Trip Planner is a great mapping tool. As part of your planning, it is best to keep change for the toll roads and a paper map handy, which will provide an overview of where you are headed and act as a backup if your GPS fails.

Book Your Campsites Early

If you would like to stay at a national or provincial park, book early to reserve the site you prefer. Doing so will help you to budget for campground costs and understand the features that are included on-site. The more a site offers (drive-through parking, water and electricity connections, and close to amenities) the more likely it will be booked up. Choose your campground and campsite carefully, keeping in mind sports and activities for the children. If you end up wanting to stay at a private campground but did not reserve a campsite in advance, call ahead to find out if the campground has an overflow area for you to stay in.

Pick the Right RV for your Budget:

RVs are classified into three main groups, Class A, B and C.

  • Class A is the largest, most expensive and includes more accommodations than the others. These vehicles can be up to 75 feet long and include models such as the luxury coach, converted buses and other motor coaches.
  • Class B is the smallest class of recreational vehicles and is the most economical because the vehicles bare resemblance to a large van. Travel trailers are also included in this class.
  • Class C entails mid-sized recreational vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area. This class typically costs less than class A but more than class B, and covers fifth wheel vehicles.

Get the RV Insurance You Need in Edmonton

RV insurance in Edmonton can cover everything from collisions, liability coverage, protection of personal belonging in the RV, and home insurance if the RV is your primary residence or if you have resided in it for 5 months or more. Depending on a number of factors, such as how often you use the RV, which class your RV is, driving history, etc. the amount of coverage you pay for will vary. In order to qualify, it is important that the drivers already have existing automobile insurance coverage, or else it will be much more difficult for a company to provide insurance for the RV.

Familiarize Yourself with Driving the RV

As part of your trip plan, you should familiarize yourself with driving the vehicle before the day your trip begins. You may want to test drive a few RVs before deciding to purchase or rent one. You should also read the manual thoroughly, know the height and length of the vehicle and practice parking the RV before heading off on the road. Driving a large vehicle can be significantly more difficult than driving a small car and, in order to safely get to your destination, you should be prepared for the differences.

Budget for Extra Costs

If you are renting the RV, the cost of the rental is only the beginning. You will also need to pay per kilometer so figuring out roughly how many kilometres you’ll be travelling can help you to budget expenses. Not surprisingly, RVs of all sizes devour gas. You will need to factor in gasoline, taxes, park hookup fees, and, if you are buying an RV there is a cost for sales tax, off-season storage and maintenance. Whether you are renting or buying, insurance cost is another factor. Insurance can be higher if you are crossing borders and if you have custom features on the RV, which can result in higher repair costs.

Don’t Over Pack Your Schedule

Keeping the schedule light can make the days easier and keep stress levels down. This also allows sufficient time at each of the planned stops and the campsites along the way.

Contact the Professionals You Need

At MBS Insurance in Edmonton, our insurance brokers can provide you with a free RV insurance quote. To receive a detailed RV insurance quote in Edmonton, you will need to supply your insurance broker with the year, make, model, length, class (if applicable), length, purchase price and estimate of its value if it was purchased. The insurer will also need to know who will be driving the vehicle and whether you would like coverages for total loss replacement, campsite and vacation, emergency expenses, and towing and roadside assistance.

At MBS Insurance, Edmonton RV or motorhome insurance is one of our many recreational insurance offerings. Contact us at 780-436-7880 so you can start planning your vacation today!

How an Insurance Broker Saves You Time and Money

Do you know the benefits of an insurance broker?

Suppose you’re looking for the best insurance coverage at the best rates in Edmonton. In that case, you’ll first want to understand the benefits of an insurance broker and how they can help protect you in all sorts of different situations – whether it be saving you money, time or giving you simple peace of mind.

What Are the Benefits of an Insurance Broker?

Here are some of the many benefits of an insurance broker.

 

1. Saves Time

An insurance broker does all the work for you, so you don’t have to spend your valuable time shopping around for insurance. Instead, you simply provide your broker with information about your needs, and they shop the markets on your behalf.

 

2. Saves Money

Insurance brokers work with many different partners to find the best deals on the insurance that works for you. They take all your needs into account and make recommendations that are in your best interest. They have relationships with many insurance partners and can negotiate competitive rates and discounts, saving you money in the long run.

3. Expert Knowledge and Advice

An insurance broker provides you with the support and expertise you need to find coverage that suits your needs. They work with various products and services to find the coverage that best suits you. In addition, they can draw from an extensive knowledge base and experience to advise you on the best options. 

Insurance Brokers provide expert and unbiased advice. A wealth of knowledge about coverage and market rates combined with expert risk assessment ensures your possessions and business are adequately protected. Whether you are looking into auto insurance rates, tenant insurance, or home insurance rates, your insurance broker can help you every step of the way.

You can utilize their expertise to quickly identify your options and rely on their unbiased advice to help you make the best-informed decision for your situation.

 

4. Working For Your Best Interests

Since insurance brokers do not work with one particular company, they have nothing to gain from recommending a specific product. The insurance company also pays them a standard commission. Thus, there is no financial incentive to choose one insurer over another.

Insurance brokers have your best interests in mind. You can count on them to find you the best rate possible, which can give you the peace of mind you need. You can rest assured knowing that if you ever need to file a claim, one of our brokers will be there by your side to guide you every step of the way. They act as an advisor on insurance-related matters. They will shop the market for the best coverage and rates for you. Since fulfilling your needs is their only priority, they will provide independent, unbiased advice on the right coverage for your situation.

5. Privileged access and rates

Insurance Brokers have access to a wide selection of the best insurance companies in the country. These insurance companies are only accessible by Insurance Brokers. They do not deal with the public directly or with Direct Writers. Brokers enjoy long-standing relationships with these insurance companies. Still, they do not have an affiliation with any specific insurer, enabling brokers to provide you with a broader range of options at competitive rates.

 

6. Transparency

Insurance brokers must give full disclosure about their compensation and its effect on your insurance premium.  They are also required to declare any financial links with specific companies that may be a conflict of interest, enabling you to make the best-informed decision.

 

7. Risk and Advocacy Experience

Extensive experience dealing with different clients and claim situations equips insurance brokers with a broader perspective on how to reduce your risk. Also, in the event of a claim, you can count on your broker to act as your advocate with the insurance company and handle your claim fairly and promptly.

Speak to MBS Insurance in Edmonton about your Coverage

Reach out to MBS Insurance today to determine your home, auto, and commercial coverage options. Over the past 45 years, our experienced team of insurance brokers in Edmonton has earned the trust and loyalty of our clients by delivering superior products and services. We understand your needs and provide you with the best protection and rates.

There are many benefits of an insurance broker. We can help you understand the intricacies of your insurance plan while saving you money at the same time. We are a trusted insurance provider in Edmonton and provide personal and commercial insurance policies to people living in Alberta. We offer the best rates on recreational, auto, property, commercial, and group insurance policies. 

Contact us online for a free quote or by phone at 780-436-7880.

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This article was originally published on October 7, 2016, and updated for 2021.