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