RV, Motorcyle & Boat Insurance can be stressful
Oftentimes, premiums can be high because of the high-risk nature of these vehicles. But sometimes they’re too high because of a lack of coverage options. Not to mention an uncertain claims process and impersonal service. Well, we’re here to help.
A common misconception is you’ll pay a larger amount as a commission to the brokerage firm. But you actually don’t - we get paid a commission from the insurance companies. We’ll only recommend plans that are actually right for you.
BENEFITS & MISSION
Why Work With BrokerUnion
The main differences between the big banks and boutique brokerage firms like us are:
1. Number of choices
We shop around to give you the best rate instead of offering you the products of one bank.
2. We build relationships
We’ll sit down and talk with you, and treat you with care and respect. You have a unique situation so you must have a unique solution.
3. Education
We explain this on our about page, but we are really in the education business. Our job is to give you all the information you need to make an informed decision.
4. Confidentiality
Bank employees have to look after the interests of the direct writer whereas a boutique brokerage has no obligation to anyone – therefore we’ll always act in the best interest of our clients. They’ll have to report on accidents and other impactful events to their bosses, which may increase your premiums, but we do not. It’s almost like the confidentiality agreement lawyers have.
5. 25+ licensed and experienced brokers
We are large enough to have experience in any situation, but small enough that you won’t be treated like a serial number. We pride ourselves in both our professionalism and our friendliness.
What We Do
We give you a variety of choices of carriers that have varying premiums and coverages so we ensure you get a plan that’s perfect for you. We can even do a lot of different things that other carriers can’t - such as taking on hyper-specialized risks.
We provide a human experience - from A to Z, you are talking to a real person, and the same one. You won’t just be passed around between several customer service representatives.
We are accurate - if you just use an online insurance calculator, there’s a chance you’ll put in the wrong information and not even know it. The danger behind that is you may either get a plan where you overpay on premiums, or a plan that doesn’t cover you properly. When you work with us, you’re using professionals you can rely on.
We educate you - as licensed brokers we are held to higher standards than an online insurance ‘calculator’ or a bank.
What Sets Us Apart
Multilingual Service
We speak 22 languages because
clear communication is key for a personalized insurance plan.
Our Own App
We’ve got our app for all your
policy documents, pink slips, and more. It’s a one-stop shop for your insurance, even if you switch carriers with us.
Dedicated Customer Service Team
No answering machines here –
our dedicated customer service team is there for you, even during off-hours.
Award-Winning
We are the 2022 IBAO Brokerage of the Year (in the under 25 brokers category) because we focus on choices, education, and service, always prioritizing our clients.
Extensive Choices
We work with a wide range of carriers to find you a customized plan that suits your specific needs.
Experienced Professionals
With a track record of helping over 5800 clients with their auto insurance in the past 3 years, you can trust our experience.
The main differences between other brokerage firms and us are:
We speak 22 languages
A great insurance plan is personal and unique, therefore communication must be extremely accurate.
Our Own App
We have our own app for all policy letters, communications, documents, pink slips, etc. Even if you switch carriers, it’s all on one app, which makes things very convenient for you.
Dedicated Customer Service Team
Dedicated customer service team – so that even in off hours, you won’t be left talking to an answering machine.
2022 IBAO Brokerage Of The Year
2022 IBAO Brokerage of the year (category under 25 brokers). To achieve that, we’ve prioritized the core of what makes a good brokerage – choices, education, and service. If we learn of a new way to get clients better coverage, or at cheaper rates, or with less time/effort invested by them, we’ll adopt it because we always put our clients first.
Choices
We have a very extensive list of carriers we work with. That lets us find you a plan that’s very custom to your needs.
Experienced Professionals
We have relevant experience. We’ve helped 5800+ clients with their auto insurance in the past 3 years.
Not everyone has access to the same carriers - we have access to multiple top carriers as well as dozens of carriers that cover almost all situations
What exactly is RV, Motorcycle, and Boat Insurance?
RV
Insurance on recreational vehicles is not mandatory by law, but unless you can afford to repair or replace the vehicle along with its belongings on your own, it is highly recommended. Insurance will help protect you in the event of loss, damage, liability, and collision.
It is important to note that even if you have car insurance and get into an accident while towing a trailer, your car insurance will likely not cover the damage to that trailer. This is why recreational vehicle insurance is highly recommended.
Whether you have a travel trailer, motorhome, camper unit, or stationary trailer, we have an insurance plan personalized for your needs.
Motorcycle
Like car insurance, motorcycle insurance is required by law in Ontario. The freedom and independence from riding a motorcycle is unmatched, but does not come without risk. With no seatbelts, airbags, or tin around you for protection, insurance is a must for extra protection on these risky rides. BrokerUnion has you covered; we offer mandatory motorcycle insurance including:
1. Liability
Protects yourself and your vehicle in the event of an at-fault accident, as well as the other party’s vehicle or property
2. Accident benefits
Brokers explain complex insurance terms and policies in simple language, ensuring business owners understand what they’re purchasing.
3. Direct compensation property damage
Protects you and your motorbike in the event of an accident where you are not at fault.
We also offer additional protection that is not required by law for bikers looking for maximum protection, including theft, vandalism, fire damage, impact with an animal or object, and more. Our experienced brokers will help you figure out the perfect insurance plan for your individual needs.
Boat
Whether it’s cottage water sports or luxury cruising, boating insurance is available for those who love life on the water. Boating insurance is important to protect your boat and anyone who might become injured through the use of it. It is important to remember that homeowner’s insurance will not cover your boat, and boat insurance must be purchased separately. Comprehensive coverage can be purchased to protect your boat against damage, vandalism, and theft.
No matter how you enjoy the outdoors, we’re here to protect you.
What Do You Need To Know?
There are a lot of variables we may need to know.
All you need to do is give us a call and we’ll walk you through the process.
Our Happy Customers
CLIENT'S TESTIMONIAL
What Our RV, Motorcyle & Boat Insurance Clients Say
Had a great experience with BrokerUnion Insurance. They help us find a good coverage for our car insurance as well as make it budget friendly. Mr. Papillon was very helpful and made everything seamless for us. Specially with all the requirements and documents.
Great insurance company, I had a very complicated scenario and Susan helped me a lot, she spent a lot of time to get me the best insurance.
Very honest, and detailed explanation of different insurances.
I had a tight deadline and she helped me through the weekend to have it done, super prompt responses.
QUESTIONS & ANSWERS
Frequently Asked Questions on RVs
What is RV insurance, and why do I need it?
RV insurance is coverage designed to protect recreational vehicles (RVs) from various risks and liabilities. It provides financial protection in case of accidents, damage, theft, or other incidents involving your RV. RV insurance is necessary to comply with Ontario’s legal requirements and safeguard your investment.
What types of RVs are covered under RV insurance?
RV insurance can cover various types of recreational vehicles, including motorhomes (Class A, B, C), camper vans, travel trailers, fifth-wheel trailers, pop-up campers, and truck campers.
Is RV insurance mandatory ?
Yes, RV insurance is mandatory , just like auto insurance. At a minimum, RV owners must have liability coverage to protect against third-party bodily injury and property damage claims. Additional coverage options are available for added protection.
Does RV insurance cover towing or roadside assistance?
RV insurance policies may offer optional coverage for towing and roadside assistance. This coverage can be valuable in case your RV breaks down or requires assistance while on the road.
Can I drive my RV to the United States with Ontario RV insurance?
Many RV insurance policies provide coverage for travel in the United States. However, it’s essential to confirm the coverage details and any limitations that may apply to cross-border travel.
Frequently Asked Questions on Motorcycles
How are motorcycle insurance premiums determined?
Motorcycle insurance premiums are typically based on factors such as the type and model of your motorcycle, your age, riding experience, location, usage (commuting, pleasure, etc.), and past claims history. Insurance providers also consider the coverage limits and deductibles you choose.
Can I get discounts on my motorcycle insurance?
Yes, motorcycle insurance providers may offer various discounts to help reduce your premiums. Common discounts include safe driver discounts, multi-policy discounts (bundling motorcycle insurance with other policies), and completion of motorcycle safety courses.
Can I suspend my motorcycle insurance coverage during the off-season?
You may be able to suspend your coverage during the off season but this isn’t recommended. Your motorcycle insurance policy premium is calculated based on the riding season. Policies are for a one-year period, but the bulk of the premium is for the riding season. You pay monthly installments towards the full price, but the riding season’s premium portion are larger than the winter season.
Does motorcycle insurance cover passengers?
Yes, motorcycle insurance typically includes coverage for passengers riding with you on your motorcycle. The accident benefits portion of the policy provides coverage for medical expenses and income replacement for both you and your passengers in case of injuries sustained in an accident.
Frequently Asked Questions on Watercraft
What is watercraft insurance, and why do I need it?
Watercraft insurance is coverage designed to protect you and your boat or personal watercraft (PWC) from various risks and liabilities while on the water. It provides financial protection in case of accidents, damage, theft, or other incidents involving your watercraft. Watercraft insurance is essential to safeguard your investment and comply with Ontario’s legal requirements for boating.
How are watercraft insurance premiums determined?
Watercraft insurance premiums are typically based on factors such as the type, size, and age of your watercraft, your boating experience, the intended use of the watercraft (pleasure, racing, fishing, etc.), and your past claims history. Insurance providers also consider the coverage limits and deductibles you choose.
Does watercraft insurance cover boat trailers?
Some watercraft insurance policies may provide coverage for boat trailers used to transport your watercraft. It’s essential to check with your insurance provider to determine the extent of coverage for boat trailers.
Can I suspend my watercraft insurance coverage during the off-season?
You may be able to suspend your coverage during the off season but this isn’t recommended. Your watercraft insurance policy premium is calculated based on the boating season. Policies are for a one-year period, but the bulk of the premium is for the boating season. You pay monthly installments towards the full price, but the boating season’s premium portion are larger than the winter season.