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Frequently Asked Questions

Do I have to insure my RV?

Yes, you are legally required to carry an RV insurance policy in Canada.

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 expiration, encouraging you to review your policy and request any changes in coverage. Once reviewed, you can contact our office for payment options before the expiry date.

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 needed or a form needs to be signed). However, these changes will be processed and then appear on your policy at 12:01 AM on the following date.

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 on the time frame you would normally use a seasonal vehicle; however your coverage is year-round. It’s important to have year-round coverage because a lot could happen to your RV while in storage, such as vandalism, theft, fire or potential damage from weather-related storms.

This also means you don’t have to remember to call us to add coverage back on when the RV season starts and you want to use your stored vehicle again.

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 process your cancellation.

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 your premium for their time on risk. This is usually around 10% of the total policy premium.

How are RV insurance premiums determined?

RV premiums are primarily based on the value that the RV is insured for.

What is "replacement cost"?

In the event of a total loss, with a replacement cost policy, your claim will be based on the cost of buying a brand new unit of your vehicle or property, of the same kind and quality. There is no deduction for depreciation.

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 pay for the replacement or rebuilding of your vehicle or property, without a deduction for depreciation.

What is a "deductible"?

In the event of a claim, the deductible is the specified amount of money that you will pay out of pocket before your insurance provider covers the rest. Your deductible will be listed on your policy documentation.

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 value of the vehicle or property. (Depreciation will be factored into your payment).

What is "underwriting"?

Underwriting is the process that insurers undertake to assess and evaluate the risk of insuring a home, car, collector car or RV, and determine whether it is an acceptable risk.

What is "liability"?

Liability coverage protects you against financial loss if you are sued and found legally responsible for someone else’s bodily injury or property damage.

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 over the phone. However, depending on your unique insurance needs and whether you qualify for our multiple discounts and endorsements, the customized rates from a broker may differ from those listed online. Call us to make sure you’re getting the right coverage for you.

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 in the mail along with the policy documents. There are no pink slips issued on a trailer policy, only motorhomes.

Who is Mia?

MIA (Making Insurance Accessible) is the next generation of quoting technology available to Wayfarer customers.

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 and if it is a motorhome, your driver’s license number.

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 your RV can be covered. Check out our travel insurance page for more details.

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.

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 us a call at 1.844.929.4768 and we’ll help answer your questions.

I’m having problems with completing my quote/application. Help?

Give us a call at 1.844.929.4768 and speak to a sales representative to help you complete your quote/application.

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. If you still can’t find it, give us a call at 1.844.929.4768 and we’ll check to see if we have the correct email address on file for you. We’ll then resend you the confirmation email to get a copy of your quote.

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 any changes you need.

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 details: Location, time of accident, description of what happened etc
  • Police reports
  • Information about drivers, passengers and witnesses involved
  • Details of injuries (to you, your passengers, and anyone else)
  • Any damage to vehicles or other property
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 and know your hobby best.

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 an accident, you will be allowed one reasonable tow to the nearest RV repair shop. On the other hand, if your RV just had a flat tire, under your policy, you’d be allowed a tow up to 15 kms.

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 payment options. Please see our How To Pay page for more details.

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. Please see our How To Pay page for more details.

Can I pay my premium in installments?

Yes. We offer multiple installment plans for your convenience. Learn more.

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 call us at 1.844.929.4768 to discuss more efficient and convenient payment options.

When can I change my payment plan?

You can change your payment plan when you receive your renewal documents in the mail.

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 billing date to ensure the change gets made.

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 your banking institution.

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 days to make the payment. After this, a registered letter is issued cancelling the policy if payment is not received before the cancellation date shown on the letter.

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 loss. Guaranteed Value (™) Plus is included in all of our Hagerty Collector car policies.

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 in Canada.

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 policy expiration, encouraging you to review your policy and request any changes in coverage. Once reviewed, you can contact our office for payment options before the expiry date.

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 time.

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 needed or a form needs to be signed). However, these changes will be processed and then appear on your policy at 12:01 AM on the following date.

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 give us a call at 1.844.929.4768 and we’ll help answer your questions.

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 process your cancellation.

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 and experience. Please contact us and we’ll be happy to give you a quote individualized to your needs.

Do collector cars have a minimum insurance premium?

Yes, collector cars have a minimum insurance premium of $100.

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 motor compartment). However, for some modified vehicles, pro-street or pickups/SUV’s, and newer vehicles, we may require additional photographs of the interior, inside of the trunk or inside truck bed.

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 your vehicle all year long.

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 the same restrictions that apply to you (valid Canadian drivers licence for over 10 years, good driving record – no major convictions, at-fault accidents etc.) will apply to the driver as well. Be sure to give us a call to discuss your situation.

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 as the Wayfarer Insurance Group which is a wholly owned subsidiary of Aviva Canada Inc. As a lifestyle brokerage specializing in collector cars, we sell the Hagerty product – their classic car insurance.

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 automobiles such as: retired military trucks, retired semi/dump/tow/trucks, and retired farm tractors. “Collector car”, on the other hand, is an umbrella term that applies to vehicles; with a collectible appeal to them.This can mean automobiles with low production numbers, special edition packages, rare features, significant history, such as classic cars, SuperCars or Exotics (with cutting-edge design, technology or performance), Hot Rods and custom vehicles as well.

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 car policies, you must also have a daily-use vehicle insured in your name.

Does classic car insurance differ across Canada?

No, under the Hagerty collector car program, there aren’t any significant differences in coverages across Canada.

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 insurance.

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.

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 program.

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 us a call at 1.844.929.4768 and we can help you with that.

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 you over the phone. However, depending on your unique insurance needs and whether you qualify for our multiple discounts and endorsements, the customized rates from a broker may differ from those listed online. Call at 1.844.929.4768 to make sure that you’re getting the right coverage for your collector car.

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 with regards to convictions and claims.

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 in the mail along with the policy documents.

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.

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 details: Location, time of accident, description of what happened etc.
  • Police reports
  • Information about drivers, passengers and witnesses involved
  • Details of injuries (to you, your passengers, and anyone else)
  • Any damage to vehicles or other property
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 mind when it comes to repairs and have them completed from the hands of a trusted source.

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 passion and know your lifestyle best.

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 with us, all subject to a minimum fee (8 percent of your premium). For example, if you were to cancel your policy within 1-3 days of starting your policy, you’ll only pay the minimum 8 percent. If you were to cancel within 6 months, 55 percent of your premium will be withheld.

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 may also affect your other insurance policies.

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 covered.

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 to settle it as quickly and efficiently as possible.

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 us at 1.844.929.4768 to discuss more efficient and convenient payment options.

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 90 days of your renewal date. Smaller changes such as updating your credit card information can be done at any time.

When can I change my withdrawal date?

You can change your withdrawal date within 90 days of your renewal date.

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 your banking institution.

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 payment.

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. Please give us a call at 1.844.929.4768 to determine if your vehicle classifies for our collector car insurance program.

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 temporary pink slips, send you renewal reminders and notices, and share any important information that impacts you as a policy-holder.

    Weather Alerts

    With an increase in extreme weather-related events and natural disasters such as windstorms, wild fires and floods, we want to make sure that you and everything that matters most to you, is safe and sound. We will send out weather alerts to highlight potential warnings from your local news and share tips to ensure your safety.

    General Communication

    To always keep you in the loop, we will notify you when we have important Wayfarer Group information to share or if we have a contest running.

    Please note that you can customize these emails or turn them off at any time.

    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 can then qualify for our 10 year Guaranteed Replacement Cost coverage. But if you own a used trailer, you can qualify for our Replacement Cost coverage.

    As for motorhomes, only brand new units can qualify for a 5 year Guaranteed Replacement Coverage. Anything older will receive an Actual Cash Value coverage.

    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 quote/application.

    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. If you still can’t find it, give us a call at 1.844.929.4768 and we’ll check to see if we have the correct email address on file for you. We’ll then resend you the confirmation email to get a copy of your quote.

    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 payment options. Please see our How To Pay page for more details.

    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. Please see our How To Pay page for more details.

    Can I pay my premium in installments?

    Yes. We offer multiple installment plans for your convenience. Learn more.

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    wholly owned subsidiary of Aviva.
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