| What is a recreation vehicle? Do I need to insure it? | | | | cases a recreation vehicles is well looked after, and |
| | | | because, by definition, it is only used once in a while, |
| The first questions to answer would be, what is a | | | | most insurance company will offer some very low |
| recreation vehicle and why would you choose to | | | | quotes. |
| insure it. | | | | |
| | | | But the other important reason is because most |
| A recreation vehicle is one that you would normally | | | | recreation vehicles are not used as often so the |
| use to fun/relaxation. For example if you normally use | | | | likelihood of something happening increases. |
| your car to commute but on week-end drive a | | | | You must accept that you are not as familiar with |
| motorcycle then the motorcycle is considered to be | | | | that vehicle as you are with your everyday one. So |
| a recreation vehicle. But on the other hand you use | | | | the likelihood off an accident increases. |
| your motorcycle to go to work on hot days then the | | | | |
| bike is no longer considered to be a recreation | | | | You should always check with your insurance |
| vehicle. | | | | company that your insurance is up to date; it is often |
| | | | easy to assume that a vehicle is covered for, say, 12 |
| Some of the more common recreation vehicles are: | | | | months when in fact it is only covered for 6 months. |
| * Motorcycles* Boats* Snowmobiles* Moto-cross | | | | You must also ensure that you are carefully |
| bikes/trail bikes/Quad bikes* ATV's (All Terrain | | | | following the policy, if your recreational vehicle is an |
| Vehicles) sometimes used for trail rides or hunting* | | | | RV, (Motor home or Caravan), does your license |
| Travel Trailers* Motorhomes* Caravans* Personal | | | | allow you to drive it? |
| Watercraft (jet-skis, Inflatable and so on) | | | | Is the vehicle itself 'legal', (can it legally be used for |
| | | | the purpose you are insuring it for?) |
| Do you need to get a recreation vehicle insurance? | | | | Remember that is almost all cases, breaking the local |
| | | | laws will null and void the insurance policy.Insurance |
| In almost every case the answer is yes, the most | | | | Owl gives simple, clear information about insurance. |
| common reason is because most good insurance | | | | Everything, ranging from health insurance to |
| company will not charge you a premium for using a | | | | indemnity claims, including Auto, Travel and life |
| vehicle from time to time. You are usually not | | | | insurance. |
| penalised for having a recreation vehicle. In most | | | | |