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Frequently Asked Questions About Recreational Vehicle Insurance

Travel trailer and motorhome

  • If the reimbursement is paid to you, the deductible will first be taken from this payment.
  • If not, you have to pay the deductible to the repair shop you choose.

Experience has shown that in the years following a loss, the likelihood of incurring another loss is greater. Therefore, the more trailer/motorhome claims you have on file, the more likely you are to make another claim and the more likely your premium will increase.

  • Notify the police immediately and write down the police report number.
  • If you're outside your area at the time of the theft, keep all invoices and receipts for additional travel and accommodation expenses.
  • Gather all proof of ownership of your stolen property: sales receipts, instruction manuals, warranties, photos, etc.
  • Contact us promptly to report the loss.
  • Have repair work done to make the premises safer, like repairing or barricading doors and windows
  • Keep damaged parts and repair invoices. These fees are reimbursable.
  • Gather all proof of ownership of your stolen property: sales receipts, instruction manuals, warranties, photos, etc.
  • Contact us promptly to report the loss.
  • Provide us with a list of your damaged or stolen property by filling out a damage statement online in your Client Centre.

ATVs and snowmobiles

When a deductible applies, the amount is deducted from the indemnity payment. If your vehicle can be repaired, you pay the deductible to the repair shop you choose.

Changes in insurance premiums at renewal are affected by several factors, such as where you live, how much you use your vehicle, the type of vehicle and your driving record. Your driving record includes an accident history, which includes losses other than collisions. It is the number of claims in the last five years (and not the amount paid in claims) that has an impact on the premium.

Motorcycles

When a deductible applies, the amount is deducted from the indemnity payment. If your vehicle can be repaired, you pay the deductible to the repair shop you choose.

Changes in insurance premiums at renewal are affected by several factors, such as where you live, how much you use your vehicle, the type of vehicle and your driving record. Your driving record includes an accident history, which includes losses other than collisions. It is the number of claims in the last five years (and not the amount paid in claims) that has an impact on the premium.

Watercraft

  • If the reimbursement is paid to you, the deductible will first be taken from this payment.
  • If not, you have to pay the deductible to the repair shop you choose.

Experience has shown that in the years following a loss, the likelihood of incurring another loss is greater. Therefore, the more watercraft claims you have on file, the more likely you are to make another claim and the more likely your premium will increase.

  • If your watercraft is equipped with a tracking system, contact your service provider.
  • Notify the police immediately and write down the police report number.
  • If you're outside your area at the time of theft, keep your invoices and receipts for additional travel and accommodation expenses.
  • Gather all proof of ownership of your stolen property: sales receipts, instruction manuals, warranties, photos, etc.
  • Contact us promptly to report the loss
  • Have repair work done to make the premises safe.
  • Keep damaged parts and repair invoices. These fees are reimbursable.
  • Gather all proof of ownership of your stolen property: sales receipts, instruction manuals, warranties, photos, etc.
  • Contact us promptly to report the loss.
  • Provide us with a list of your damaged or stolen property by filling out a damage statement online in your Client Centre.
  • Coverage for civil liability
    Your watercraft insurance must at minimum cover your civil liability, to provide coverage for damage caused to third parties.
  • Health expenses and accidental death insurance
    La Capitale watercraft insurance includes free health expenses insurance for $5,000 and accidental death insurance for $15,000.
  • Equipment, personal property, etc.
    Several types of additional coverage are included for free with La Capitale watercraft insurance. They cover your electronic equipment, your personal property and your guests' personal property.
  • The $0 deductible option
    No deductible to pay in the event of a claim
  • The “Agreed Amount” coverage up to 15 years
    Get compensated for the agreed amount of your watercraft in the event of a total loss
  • Coverage for uninsured third parties
    Up to $500,000 in coverage if you sustain injuries caused by an uninsured watercraft
  • The “All perils” coverage for damage caused to your watercraft
    Cover property damage to your watercraft