We Albertans spent their summer getting out on the road and enjoying the use of our recreational vehicles at the lake or the campground. It is now (sadly) time to think about where — and how — you will store your RV, motorhome, motorcycle, and boat for the winter.
Proper winter storage involves more than simply parking your RV or motorhome in the driveway and covering your boat and bike. Taking the time to prepare and store them properly can help prevent costly damage and make getting back on the road (or water) much easier next spring.
Winter storage is also important to ensure your insurance coverage remains valid. Coverage can depend on where and how your recreational vehicle is stored and it will likely still be exposed to risks such as theft, fire, weather damage, and vandalism even when it is not being used. Before you put your summer recreational vehicles gear away for the season, here are some practical steps to help protect both your investment and your insurance coverage.
Winterizing your RV
Properly winterizing your RV or motorhome is one of the most important things you can do before putting it away for the Alberta winter. Freezing temperatures can cause significant damage to plumbing, water tanks, pipes and appliances.
Start by draining and flushing your fresh-water system, including the water heater, holding tanks and plumbing lines. Follow your motorhome manufacturer’s recommendations for using antifreeze where appropriate. Remove food and other items that could attract pests, and clean the interior thoroughly before closing it up for the season.
It is also a good idea to inspect the roof, seals, windows and exterior for areas where water could enter.
Finally, protect your motorhome or RV from Alberta’s winter weather. If possible, store it under cover or in a suitable storage facility. Check your RV insurance or motorhome insurance policy to ensure you are following its parameters and what coverage remains in place while it is not being used. Remember that most municipal laws do not allow you to park on a residential street for extended periods of time.
Winterizing your motorcycle
A little preparation can help protect your motorcycle from corrosion, battery failure and other problems that can make spring start-up more difficult … and more costly. Begin by giving your bike a thorough cleaning and drying, paying particular attention to areas where dirt, road salt or moisture have accumulated.
Fill your fuel tank and add an appropriate fuel stabilizer according to the motorcycle manufacturer’s recommendations. Run the engine long enough for the treated fuel to circulate through the system. Check the oil and consider an oil and filter change if recommended as part of your maintenance schedule.
Your battery should also receive some attention. Depending on the manufacturer’s instructions, remove it and store it somewhere dry and protected from freezing temperatures, using a suitable battery maintainer if appropriate.
Check your tires and inflate them to the recommended pressure. Finally, cover your motorcycle with a breathable cover and store it somewhere dry and secure.
Finally, check your motorcycle insurance coverage. Motorcycle insurance in Alberta is typically written as a 12-month policy, with premiums structured to reflect the seasonality of motorcycle use. Insurers generally use a seasonal rating model, similar to how boat insurance is priced. This means a greater portion of your premium is allocated to the months when motorcycles are most commonly on the road, while the cost is generally lower during the winter when riding activity decreases, however your motorcycle remains covered year-round.
Winterizing your boat
Your boat provides a lot of enjoyment over the summer and is a major financial investment, so it’s important to take care of it so it lasts. Water left in the engine, cooling system, plumbing or other components can freeze, expand and cause extensive (and expensive) damage. Follow your boat manufacturer’s recommendations, or have a qualified marine technician complete your winterization if you are unsure about the process.
Start by cleaning the boat thoroughly and removing any dirt, debris and standing water. Drain the water systems and prepare the engine and fuel system for storage according to your manufacturer’s instructions. Check the hull, fittings, hoses and seals for signs of damage or wear, and make any necessary repairs before storing your boat.
Remove valuables, electronics and other portable equipment, and make sure the interior is clean and dry to help prevent mould and mildew. Ideally, it’s best to store your boat somewhere safe and secure and protected from the elements. A properly fitted cover is essential.
Finally, review your boat insurance before storage. Most policies continue to provide protection against theft, fire and other risks while your boat is out of the water as long as it is properly stored according to specifications.
Low rates and outstanding service from Lane’s Insurance
Lane’s Insurance is a leading provider of affordable recreational vehicle insurance products throughout Alberta, Lane’s Insurance offer years of expertise, outstanding claims support and enhanced customer service, along with the most competitive rates you’ll find anywhere. Contact us at our Calgary, Banff, Edmonton and greater Alberta offices.
