Boats and RVs sit between two systems. The gaps are in the middle.
A motorhome is a vehicle and a home at the same time. A boat is neither. Autoplan answers for part of one, and none of the other.
Insure a boat or RV See what is coveredThe boat or the RV itself, your liability on the water or at the site, and the things you keep inside it.
Owners of a boat, a motorhome, a travel trailer, a camper or a personal watercraft.
The year, make and model, and where it sits when you are not using it.
What Autoplan does here, and what it does not
An RV is registered and plated, so Autoplan answers for it on the road. It does not answer for what is inside it, for the awning and the attached extras, or for the months it sits parked. A boat is not a vehicle at all, so Autoplan does not insure it. The trailer under the boat is its own registration again.
A motorhome is stored for the winter and broken into. The plates are current and the Autoplan side is in order. Neither of those is the policy that answers for the contents.
We write both sides at the counter, so the boat, the trailer, the motorhome and the things inside them are not three separate conversations with three different companies.
Six covers, doing six different jobs.
The boat itself
Hull, motor and usually the trailer it sits on. How it is valued matters more than most owners expect, and it is worth knowing which basis yours uses.
Liability on the water
Damage to another boat, a dock or a person. This is the part that travels with you rather than with the boat.
The RV itself
The unit, its attached equipment, and the awning. Autoplan covers the vehicle on the road, and this is the cover that answers everywhere else.
What is inside
The contents of a motorhome or a trailer are not household contents and are not vehicle contents. They usually need naming.
Where it sleeps
Storage yards, driveways, marinas and haul-outs each change the risk. Where it sits in the off season is a question every insurer asks.
Getting you home
Towing on the water, or a breakdown a long way from anywhere. This is the cover people remember using.
How much cover do you actually need
Three questions settle most of it, and only one of them is about the boat.
How it is valued
Agreed value and actual cash value are not the same promise. Worth checking which one your policy uses before you find out at a claim.
Where you take it
Waters you use, and whether you cross into the United States, change what the policy has to say.
Where it lives
Six months in a locked compound is a different risk from six months on the street, and the policy is priced on the answer.
A situation we see.
A family buys a used travel trailer in spring and adds it to the Autoplan policy at the counter, which is the right thing to do for the road. In August a storm brings a branch down on it while it is parked at a site. The trailer is registered, insured to tow, and not insured for that. Nobody did anything wrong. The two systems simply do not meet in the middle, and the middle is where the trailer was standing.
Plates and Autoplan are a separate errand.
We do both, in the same visit
Registration, plates, transfers and Autoplan renewals are done at our counters. See Car and ICBC for what to bring.
If the boat or the RV is used for business, or you are moving goods rather than going camping, that is a different desk. Start at business insurance.
What boat and RV wordings expect.
Boats and RVs live part-time lives – seasons on, seasons off – and their policies carry conditions for both halves.
Navigation limits and named waters
Boat policies define where the vessel is covered. Crossing into waters the policy never named – a US run, open coast – can sail past the edge of the cover.
Layup declared, layup kept
Off-season discounts assume the boat or RV is stored as declared, where declared. Using it in the layup months, or storing it somewhere else, unpicks the discount and sometimes the cover.
Winterizing as a condition
Freeze damage claims turn on whether the lines were drained and the systems winterized the way the wording expects. The receipt from the shop is the winning document.
The full-timer question
Living in the RV, or renting the boat out, moves either one from recreational cover toward something else entirely. Both are insurable – as what they actually are.
Declare the real season, the real waters and the real use – worth a conversation each spring, because the discount and the conditions arrive together.
What owners ask us.
Does Autoplan cover my boat
No. A boat is not a licensed vehicle. The trailer under it is registered, and the boat itself is insured separately.
My RV is on my Autoplan policy. Is that enough
It covers the vehicle on the road. It is not the cover that answers for the contents, the attached extras, or the months it spends parked.
Is the trailer covered with the boat
Usually yes, on the same policy. It is worth confirming, because a trailer is easy to assume and easy to leave off.
What happens in the off season
Cover normally continues, but where it is stored changes the risk and sometimes the conditions. Tell us where it goes and we will check the wording.
Can I take it into the United States
Often, within limits set by the policy. Say so before you go rather than after, because the limits are easier to change in advance.
What should I send you
Year, make, model and hull or serial number, where it is kept, and roughly what it would cost to replace.
Tell us what you have and where it sits.
Boat, motorhome, trailer or camper. We will tell you which parts Autoplan already answers for and which parts it does not.