Rig & Ride

Coverages / Collision

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Collision

Repairs your own vehicle after a crash with another vehicle or object, less the deductible. Lenders require it on financed RVs and bikes.

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  1. 1RV and trailer types 6
  2. 2Powersports types 4
  3. 3Questions to ask 2
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When it matters

It pays after a crash or a tip-over, whoever was at fault, minus your deductible. Dropping it on an older, paid-off vehicle is a common and reasonable saving.

Collision is often a large part of the premium on a newer RV or motorcycle, because repairs to a fibreglass motorhome body or a modern bike's fairings, lights and electronics are expensive. It is also the line a lender insists on, so it stays on a financed vehicle whatever its age.

The decision to drop it is a simple sum once the vehicle is paid off: compare a year or two of collision premium with what the vehicle is actually worth after the deductible. On an older travel trailer or a well-used bike, owners often keep comprehensive and drop collision. On motorcycles, check how a tip-over in a car park is treated — some policies count it as collision with its own deductible.

The common mistake is keeping a low deductible on an old vehicle: the premium saved by raising the deductible often exceeds what a small claim would recover, and small claims can raise the renewal price.

Ask before you buy

Vehicles it is on

MotorcycleTwo wheels and no crumple zone: injuries, not property damage, drive motorcycle claims, which is why UM/UIM...Class A motorhomeA bus-sized motorhome is a vehicle and a home at once; the policy has to cover both roles, and a breakdown far...Class B camper vanBuilt on a van chassis and driven daily by many owners, a Class B is closest to an auto policy with RV...Class C motorhomeA cutaway truck chassis with a cab-over bunk: rental fleets favour them, so check whether a policy covers...Travel trailerA towable has no engine, so liability on the road usually comes from the tow vehicle's auto policy; the...Fifth-wheel trailerThe large towable many full-timers live in; full-timer liability and contents limits matter as much as the...Toy haulerA trailer with a garage for bikes and ATVs: the cargo inside needs its own policies, which the trailer policy...ATV / UTVMostly ridden off-road, where an auto policy does not reach and a homeowners policy often excludes motorised...SnowmobileSeasonal by nature; a lay-up option keeps theft and fire cover through the summer at little cost.Scooter / mopedWhether a small scooter needs registration and insurance depends on engine size and state; when it does, the...

Other lines

Liability (bodily injury and property damage) · Comprehensive · Uninsured / underinsured motorist · Medical payments / PIP · Custom parts and equipment · Total loss replacement · Agreed value · Full-timer liability · Vacation (campsite) liability · Personal effects · Emergency expense · Roadside assistance and towing · Storage / lay-up option

Written from standard RV and motorcycle policy forms; your policy's wording governs. Checked 2026-10-23. Methodology.