For whatever you own that goes VROOM.

Personal vehicles:

• You absolutely have to have:
  • Third-Party Liability
  • Accident Benefits / Personal Injury Protection (like medical expenses)
  • Uninsured Motorist / Underinsured Protection (in case the at-fault driver has too little insurance)
• But you might also want to get:
  • Collision Coverage (an at-fault accident, or a hit-and-run)
  • Comprehensive Coverage (For things like theft, vandalism, weather damage, etc.)
• Additional considerations
  • Rental vehicle coverage (in case yours is in the shop)

RVs:

• Activate coverage before you hit the road
• Review storage damage risks

Classic cars:

• Insure it for its true value
• Know your mileage restrictions
• Consider coverage for spare parts and restoration
• Ask about event and show coverage (she’s too pretty to sit in the garage all year!)

Trailer:

• Insure your travel trailer for camping and recreation

• Insure your utility trailer for hauling tools, equipment or personal items

• Insure your boat trailer
• Insure your ATV trailer
• Insure your livestock trailer

Liability: If the trailer causes damage or injury, the insurance on the pulling vehicle is likely to cover liability. The trailer owner may also be sued. 

Commercial vehicles:

• Make sure you have liability coverage for at least the minimum legal requirement.
• Ask about physical damage coverage (collision and comprehensive).
• You might also want uninsured/underinsured motorist protection.
• Hired & non-owned auto (HNOA) coverage (for rentals or employee-owned vehicles used for work).
• Higher, long-distance converge for mileage and radius for prairie provinces
• Finally, ask about custom equipment/tools coverage (racks, lifts, wraps, etc.).