In this blog post, we will answer the following question: How much does the AAA plus RV membership cost? We will review the advantages of having AAA Plus RV insurance, discuss how much RV insurance should cost and what it covers.
How much does the AAA Plus RV membership cost?
The AAA Plus RV membership costs between $73 to $159 per year and per person, depending on what options you decide to add. Each additional driver is an additional $45/year.
Keep in mind that you need to have a basic AAA Roadside assistance membership in order to be able to cover your RV as well. That’s how the final price is obtained:
Basic membership costs ($38-$74) + Additional coverage for your RV ($35-$85)
What does the AAA Plus RV membership cover?
The AAA Plus RV membership covers the following:
- Extended towing service – Except for toll fees, your RV can be towed for FREE up to 100 miles.
- Tire-change service – As long as you have a spare wheel, AAA covers the maintenance work if you get a flat tire.
- Extra stuck-wheel service – If you find yourself in a rather “muddy” situation, AAA covers the extra truck that is needed to tow your camper, for FREE for 1 hour if you have a Plus membership and for 2 hours for a Premier membership.
- Free gas – AAA will refuel your tank for FREE, but only enough to get you to the nearest open service station. Not available for diesel RVs, though.
- Jumpstarts & battery service – If your RV has run out of energy or you cannot start it, AAA will diagnose the issue at no additional costs.
- Trip interruption expense reimbursement – If your trip is covered and for any reason, your RV is no longer able to get you to/from the destination, AAA will cover certain costs such as lodging, meals or car rental fees.
How much should RV insurance cost?
RV insurance usually costs $400/$ 500 per year, a price that can rise above $700 with the addition of additional covers such as glass, theft and fire.
RV insurance is a mandatory policy for the compensation of damages that the motorhome can cause to third parties (people or things) while on the road. It is to all intents and purposes a civil liability guarantee that falls into the “other vehicles” category, which in addition to campers also includes vans, buses, lorries, trucks and agricultural machinery.
Suitable for those who love to travel with motorhomes and campers in total safety, the camper policy offers complete tailor-made protection, to spend the holidays or trips outside the city without worries and is a valid tool especially if accompanied by good travel insurance.
There are no particular differences between car insurance and one for motorhomes: the premium, for example, is calculated with the bonus-malus system in the same way based on standard risk factors such as the personal characteristics of the driver, his insurance history, the class of merit, the displacement of the vehicle and so on. The merit classes for RV insurance start again from 18, the highest and most expensive, up to the first class, the most “economical”.
However, it is possible to apply accessory guarantees not provided for normal cars to campers, in particular:
- Personal civil liability of the passengers: a guarantee that covers damage unintentionally caused to third parties by the passengers of the vehicle;
- Civil liability of the motorhome owner: a motorhome liability that covers damage caused to third parties in motorhome parking areas, campsites and condominium areas;
- Loading and unloading: covers in the event of any damage unintentionally caused to third parties during loading and unloading operations on the camper from the ground and vice versa;
- Waiver of Compensation: with this accessory clause, the company can renounce compensation in cases of driving with an expired license (provided that it is renewed within six months from the date of the accident) or of an accident caused by a vehicle with a full load weight exceeding the limits indicated. in the vehicle registration document;
- Irregular transport: covers damages suffered by passengers “not up to standard” (for example if the number of passengers transported exceeds that required by the vehicle registration document);
- Towing a trailer without its own license plate: ensures the risk of towing a trailer without its own license plate attached to the camper.
Obviously, as mentioned, these are additional guarantees, therefore it is always possible to include the “classic” ancillary guarantees such as theft and fire, roadside assistance, glass, vandalism and atmospheric events policy in the RV insurance contract.
Should you insure your RV with AAA?
Recreational vehicles, such as caravans, trailers, ATVs, snowmobiles, boats, etc. are expensive investments. Because of this, you want them to be well insured against physical damage caused by theft, fire, weather, collision or vandalism. Coverage in the event of an accident involving you or a third party should also be included.
That’s why you need recreational vehicle insurance that protects you in unforeseen circumstances. Whether it is AAA or another company – that should be a personal choice. To find out how RV insurance can benefit you, here we explain why this insurance policy is important and why you should never go without it.
- You cannot predict an accident: Even if you are a good driver and drive safely, accidents can happen. Without recreational vehicle insurance, if you or your passenger is injured in an accident, medical expenses cannot be covered. This insurance is designed to help cover all medical costs in relation to your accident so you won’t have to worry about facing excessive fees.
- Damage is costly: If you don’t have RV insurance, you could face some nasty surprises if there is any damage to your vehicle. Your auto and home insurance do not cover all types of recreational vehicles, your damage and repairs to the latter will not be covered.
And, if you’re traveling with a cross-border RV, for example, your usual backup expenses won’t be covered either. That’s why you need Comprehensive Recreational Vehicle Insurance to protect you against any damage caused by an accident or property damage.
- Liability lawsuits can be catastrophic: Another reason why this insurance is important is that it can provide the proper protection against any liability lawsuits, or fees in the event that your vehicle damages other vehicles, property or people.
- Not all insurance contracts are the same: As mentioned above, your home and auto insurance policy does not always cover recreational vehicles. It’s annoying if you need extra blankets to provide full protection for your needs. Your home or auto insurance policy may lack coverage for other items such as emergency services and wreckage removal if these are required.
By giving full coverage to your RVs, you never have to worry about what will happen if you are involved in an accident or if you are stolen, you know you will be protected. AAA offers complete coverage for your RV, motorcycle, boat, ATV, snowmobile, trailer, caravan, etc.
FAQ on How much does the AAA plus RV membership cost?
What does RV insurance cover?
As the insured, RV insurance protects you in the event of:
- damage to your RV in a collision if you were not responsible for the accident when the third party is identified;
- property damage and bodily injury to others for which you are responsible when the accident occurs in Canada or the United States.
How much does RV insurance cost?
RV insurance can range from 300 dollars a year for the simplest coverage, up to more than 800 dollars a year, for an all risk of a high-end vehicle.
What RVs need to be insured?
AlthoughRVs with a MAM equal to or less than 1,300 lbs do not need an individual policy and have enough car insurance, those that exceed this weight must take out independent insurance.
Does RV insurance cover roof leaks?
RV insurance would cover roof leaks, but it will depend on the reason behind the roof damage and the RV insurance policy. If you have chosen the “all risks” cover, yes, you are covered. This does not matter how the rock lands on your caravan, trailer or motorhome, subject to certain exclusions.
- Recreational Vehicle, RV Insurance | Travel Trailer Insurance | AAA
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