Frequently Asked Questions

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All FAQs

Do I have to insure my RV?
Yes, you are legally required to carry an RV insurance policy in Canada.
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How do I renew my RV policy?
Our RV renewal process is very straightforward - we'll send your renewal documents approximately 45 days prior to your policy...
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How quickly will my policy changes go into effect?
The changes are effective immediately once you speak with one of our brokers (unless there is some piece of information...
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If my RV is in storage, do I still need insurance?
Insurance premiums on RVs are adjusted for seasonal use. This means that the premium you pay for insurance is based...
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How can I cancel my RV policy?
While it's sad to see you go, we understand that your needs change. Simply contact us and we'll help to...
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What will it cost to cancel my current RV policy?
In the event of a short-rate cancellation, when your policy is cancelled mid-term, the insurance company will keep some of...
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How are RV insurance premiums determined?
RV premiums are primarily based on the value that the RV is insured for.
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What is "replacement cost"?
In the event of a total loss, with a replacement cost policy, your claim will be based on the cost...
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What is "guaranteed replacement cost"?
In the event of a total loss claim, if you have guaranteed replacement coverage, the insurance company is obligated to...
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What is a “deductible”?
In the event of a claim, the deductible is the specified amount of money that you will pay out of...
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What is “actual cash value”?
If you have an actual cash value (ACV) policy, payment of your claim will be based on the current market...
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What is “underwriting”?
Underwriting is the process that insurers undertake to assess and evaluate the risk of insuring a home, car, collector car...
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What is “liability”?
Liability coverage protects you against financial loss if you are sued and found legally responsible for someone else's bodily injury...
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Are online rates the same value as those of our brokers?
Yes, for a standard RV policy, the rates on our website are the same as a broker would quote you...
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How will I get my pink slips?
Temporary pink slips can be sent to you by email, and the annual pink slips will be sent to you...
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Who is Mia?
MIA (Making Insurance Accessible) is the next generation of quoting technology available to Wayfarer customers.
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What information do I need to apply for my RV insurance?
We will require basic information like your name, address, the year, make, model, serial number and value of your RV...
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Do I need travel insurance when I RV?
Whether you are RVing within Canada or travelling south of the border, we recommend getting travel insurance so you and...
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How do I report an RV claim?
We're here to help. Call us anytime 24/7 at 1.844.929.4768 or report your claim online.
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How can I reduce my RV insurance premiums?
We offer multiple discounts and endorsements that make our otherwise competitive insurance rates even more affordable. Be sure to give...
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I’m having problems with completing my quote/application. Help?
Be sure to give us a call at 1.844.929.4768 and speak to a sales representative to help you complete your...
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Why haven’t I received a confirmation email after completing my online quote/application?
There are a few things you can do. First, check your spam folder to ensure it didn't end up there....
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Can I change my policy before its renewal date?
Yes, you can change your policy at any time. Just give us a call at 1.844.929.4768 and we can make...
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What information do I need to provide when reporting an RV claim?
To be able to process your claim as quickly as possible, have the following information ready: You policy number Accident...
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Who will handle my RV claim?
RV claims require special expertise. That is why we offer specialized claims service through specialty claims adjusters who share your passion...
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Will my tow be covered under my RV claim?
Yes, your tow will be covered as long as a claim has been submitted and approved. If you were in...
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What are my payment options?
Whether you prefer to pay your premium in full or enjoy the convenience of an installment plan, we offer several...
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How often do I need to make payments?
You can choose to make a full payment (due on policy "Effective date") or take advantage of our installment plans....
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Can I pay my premium in installments?
Yes. We offer multiple installment plans for your convenience. Learn more.
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What happens if I mail out my payment on its due date?
Have no worries, we can accept payment up to 30 days after your renewal date. With that being said, please...
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When can I change my payment plan?
You can change your payment plan when you receive your renewal documents in the mail.
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When can I change my withdrawal date?
You can change your withdrawal date at any time. We will need at least 10 days notice before your next...
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Will my payment be accepted immediately?
We can process credit card payments immediately. Cheques and online payments will be subjected to the normal processing time through...
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What happens if I make a late payment?
If payment is not received by the due date, a payment reminder is mailed out to you giving you 15...
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What is “guaranteed value” (agreed value)?
Guaranteed Value insurance policies essentially guarantee the amount that will be paid out in the event of an insured total...
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Do I have to insure my collector car?
Yes, if you are going to be driving your collector car, you are legally required to carry an Insurance policy...
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How do I renew my collector car policy?
Our collector car renewal process is very straightforward - we'll send your renewal documents approximately 45 days prior to your...
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Can I change my collector car policy before its renewal date?
Yes, just give us a call at 1.844.929.4768 and one of our Brokers can help you make changes at any...
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How quickly will my collector car policy changes go into effect?
The changes are effective immediately once you speak with one of our brokers (unless there is some piece of information...
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How can I reduce my collector car insurance premium?
We offer multiple discounts and deductible options that make our otherwise competitive insurance rates even more affordable. Be sure to...
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How can I cancel my collector car policy?
While it's sad to see you go, we understand that your needs change. Simply contact us and we'll help to...
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How are collector car insurance premiums determined?
There are a number of factors that determine your premiums including the value of the collector vehicle, your driving history...
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Do collector cars have a minimum insurance premium?
Yes, collector cars have a minimum insurance premium of $100.
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What kind of photos do I need to submit for my collector car application?
For most collector vehicles, we require at least four colour photographs (one for each side of the vehicle, interior and...
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Can I get seasonal coverage for my collector car?
Our low premiums take the seasonal use of collector cars into account. This way, our policies allow you to protect...
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Can I race my collector car?
No, you cannot race your collector car. However, we do offer specific coverages for race cars through our Finish Line...
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Besides myself, who can drive my collector car?
It is up to your discretion who you allow to drive your collector car. However, do keep in mind that...
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Lant, Hagerty, Aviva and now Wayfarer? What is the relationship?
For the past 10 years, Lant has been operating as a Division of Wayfarer Insurance Brokers Limited and now branded...
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Classic car vs collector car. What is the difference?
The term "classic car" applies to specific automobiles that are at least 25 years of age, including commercial weight collectible...
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Can I drive my collector car as my daily vehicle?
No, your collector car can only be driven for reasonable pleasure use. In order to qualify for our standard collector...
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Does classic car insurance differ across Canada?
No, under the Hagerty collector car program, there aren't any significant differences in coverages across Canada.
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How many years of driving experience are required for collector car insurance?
You need 10 years of consecutive driving experience in Canada or the US in order to qualify for collector car...
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Does my vehicle qualify for collector car insurance?
Please see our Collector Car Insurance page for details on whether or not your vehicle qualifies for insurance.
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Is an appraisal required for collector car insurance?
No, generally we do not require appraisals as we have exclusive access to valuation resources through the Hagerty collector car...
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What is the value of my collector car?
The Hagerty Valuation Tool can help you determine the proper value of your collector car or you can simply give...
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Are online collector car rates the same value as those of our brokers?
Yes, for a standard collector car policy, the rates on our website are the same as a broker would quote...
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What information do I need to apply for collector car insurance?
You will need the collector vehicle's ownership, colour photos, your drivers licence number and provide details on your driving history...
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How will I get my collector car's pink slips?
Temporary pink slips can be sent to you by email, and the annual pink slips will be sent to you...
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How do I report a collector car claim?
We're here to help. Call us anytime 24/7 at 1.844.929.4768 or report your claim online.
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What information do I need to provide when reporting a collector car claim?
To be able to process your claim as quickly as possible, have the following information ready: You policy number Accident...
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Can I choose where my collector car will be repaired?
Yes. We understand that your collector vehicle is a labour of love and we want to offer you peace of...
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Who will handle my collector car claim?
Collector cars claims require special expertise. That is why we offer claims assistance by experienced Specialty Claims Adjusters who share your...
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What will it cost to cancel my current collector car policy?
When you cancel your policy with us, your refund will be based on the number of days you were insured...
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Will filing a claim affect my premium?
Yes, your premium will be affected under the collector car program as you would lose your claims free discount. This...
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Are collector car tows covered under my claim?
Yes, when your collector vehicle is damaged due to a claim, your tows to a safe location/ preferred shops are...
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How long will it take to settle my collector car claim?
This depends on the nature of your claim. With that being said, our adjusters are experts who will always strive...
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What happens if I mail out payment for my collector car policy on its due date?
Have no worries, we accept payment up to 35 days after your renewal date. With that being said, please call...
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When can I change my payment plan?
You can make major changes to your payment plan (changing from credit card to bank withdrawal or withdraw dates) within...
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When can I change my withdrawal date?
You can change your withdrawal date within 90 days of your renewal date.
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Will my payment be accepted immediately?
We can process credit card payments immediately. Cheques and online payments will be subjected to the normal processing time through...
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What happens if I make a late payment?
As long as your renewal payment is within 35 days post your renewal date, we can still accept your late...
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What is the minimum value of collector cars that you ensure?
We typically insure collector cars valued at $5000 and over. However, we can make exceptions for certain lesser valued collectors....
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What to expect from our emails?
Our emails will serve as the primary means of communication regarding the following: Important policy-related information We will email you...
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Who can qualify for "guaranteed replacement cost"?
If you are the owner of a brand new trailer; that is to be insured to its full value, you...
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I’m having problems with completing my quote/application. Help?
Be sure to give us a call at 1.844.929.4768 and speak to a sales representative to help you complete your...
See More Detail
Why haven’t I received a confirmation email after completing my online quote/application?
There are a few things you can do. First, check your spam folder to ensure it didn't end up there....
See More Detail
What are my payment options?
Whether you prefer to pay your premium in full or enjoy the convenience of an installment plan, we offer several...
See More Detail
How often do I need to make payments?
You can choose to make a full payment (due on policy "Effective date") or take advantage of our installment plans....
See More Detail
Can I pay my premium in installments?
Yes. We offer multiple installment plans for your convenience. Learn more.
See More Detail