Frequently Asked Questions (And Also The Answers. That’s More helpful)

RV Insurance FAQ’s

Do I need my own insurance policy for my travel trailer?

No, you are not required to carry insurance coverage on your travel trailer. A travel trailer is not the same as an RV so it does not fall under the same insurance needs. When towing your travel trailer the liability extends from the towing vehicles auto policy. However, once the vehicle is parked you will not receive the coverage extending from the automobile. This is why we always recommend carrying a separate liability insurance policy for your travel trailer.



Is my travel trailer road legal without an insurance policy on it?

Your travel trailer is considered road legal so long as it is being towed by an insured and registered vehicle. You can also carry a specialty travel trailer insurance policy to ensure you will receive coverage on the trailer no matter what it is being used for.

Do I need insurance coverage on my RV or Motor home?

For an RV or motor home you are required to carry an auto liability policy because the vehicle is able to be operated independently. You may also need to add a property insurance policy if you live out of your RV or motor home.

ATV Insurance FAQ’s

Is it mandatory to carry insurance on my ATV?

If you use your ATV on public property or to cross public roads you must have it insured, by law in Ontario. If you only use your ATV on private property it is not mandatory, however, it is recommended.


If I have insurance on my ATV am I allowed to drive it on a public road?

Having insurance on your ATV or Off-road vehicle does not mean that you can use them on public roads. However, you are able to ride on the shoulder of public roads where it is permitted and also cross public roads at the marked trail crossings. For more information visit the Ministry of Transportation Ontario.

Does my driving record impact my ATV insurance rate?

Yes, your driving record will impact your ATV insurance quote. This means if you have a speeding ticket or at fault accident on your driving record you can expect that it will factor into your rating.

Motocycle Insurance FAQ’s

Is it mandatory to have motorcycle insurance to be road legal in Ontario?

* Yes, in order to be road legal you must first have a valid motorcycle license for the province of Ontario, as well as an insurance policy for your motorcycle. The only instance where insurance is not required, but can still be added, is for bikes that are only driven on private property.

If I only ride my motorcycle in the summer can I cancel my insurance policy for the winter?

* Yes, you do have the ability to cancel your policy midterm. However, with most companies there is a cancellation fee and it often is more than the money you would save. This is because most companies who insure motorcycles in Ontario realize that the bike is typically only on the road in the summer so they allocate the premium to those months.


If I bundle my motorcycle with my home and auto is there a discount?

* With many companies bundling your home and auto will save you money on your insurance. The same is true if you bundle your motorcycle insurance with your home, auto, or both. However, some companies have eligibility requirements that you must meet or they may not even consider writing your motorcycle.


Boat Insurance FAQ’s

Is it mandatory to carry boat insurance in Ontario?

No, boat insurance is not mandatory in Ontario. However, there are certain cases where you are required to carry boat insurance. For example if you moor your boat in a marina you may need to carry a certain amount of boat liability insurance. If you are financing a boat you will be required by the bank to carry insurance until the loan is completed. 

Do I have coverage while my boat is on a trailer?

Great question! There are two things to consider when talking about towing your boat on a trailer. Your marine insurance policy will cover physical damage to the boat while it’s on your trailer. For instance, if you are trailering your watercraft and someone rear-ends you, damaging the watercraft, the marine policy will cover the damages. If you are tailering your boat and you side swipe someone with the trailer, causing damage to a third party your auto policy will respond.

What areas do you offer boat insurance coverage for?

McDougall Insurance offers boat insurance coverage for all of Ontario. However, we specialize in boat insurance coverage along the St. Lawrence River, Bay of Quinte, and Lake Ontario thanks to the 28 different branch locations we have along those water ways. We have boat insurance experts in: Kingston, Belleville, Gananoque and the 1000 Islands, Brockville, Napanee, Prince Edward County, Wellington, Picton, Bancroft, Trenton, Brighton, Cobourg, Muskoka, Cornwall, Morrisburg, Prescott, and Ottawa. Our insurance brokers have knowledge of these waterways and will make sure you and your watercraft have the proper protection.

What types of watercraft do you insure?

At McDougall Insurance we have markets to insure all sorts, of boats and personal watercrafts. We insure jet skis, seadoos, fishing and bass boats, cruisers, deck boats, house boats, sail boats, sport boats, ski boats, large marines, and yachts.