Gap Insurance & Loan Protection: Secure Your Financial Future

What Happens if Your RV is Stolen or Written Off? Imagine this: You are three years into your loan on a beautiful Fifth Wheel. You financed it over 20 years to keep the payments low. A storm brings a tree down on the roof, or worse, it’s stolen from storage. You call your primary insurance company, and they offer you a settlement based on the "Current Market Value" of the used trailer.

The Problem: Because RVs depreciate fastest in the first few years, but your loan is paid off slowly over 20 years, you likely owe more to the bank than the insurance company says the RV is worth. This is called Negative Equity. Without protection, you are legally responsible for paying that difference out of your own pocket—sometimes thousands of dollars—for an RV you no longer own.

The Solution: Gap Insurance (Guaranteed Asset Protection) pays that difference for you. It ensures you walk away with $0 owing, protecting your savings and your credit rating.

Loan Protection (Life & Disability) In addition to protecting the asset, we also offer protection for you.

• Life Insurance: Pays off the RV loan completely in the event of your passing, leaving your family with a paid-for asset rather than a debt.

• Disability Insurance: Covers your monthly RV payments if you are injured or sick and cannot work. It ensures your credit rating remains intact while you recover.

---

* Required field

Retail Consumer Credit Application

---

Salesperson

Which location?

Choose Bras D'or, NS Brockville, ON Carleton Place, ON Cornwall, ON Country Campers Sales CRC RV Salisbury/Moncton CRC RV Truro Doug's Recreation Fredericton, NB Gananoque, ON Kingston, ON Kitchener, ON Lens RV London, ON Moncton, NB Nepean, ON Oro-Medonte, ON Ottawa, ON Owen Sound,ON Pembroke, ON Quinte RV Rockland, ON RV Liquidators, ON Sackville, NB Shipshewana, IN Smiths Falls, ON Truro, NS Vars, ON

Are you working with a salesperson? *

Choose Yes No

If yes, which one?

Choose Abdel Hanhan Adam Finley Adam Finley Adam Finley (OC) Andre Lahaie Angela Austin Holder Barry Haner Blair Spencer Caroline Brawley Chad MacDonald Chris Dery Dan Butler RVL Dan Charbonneau Dan Charbonneau RVL Danny Butler Darian Gardiner Dennis McCully Don Johnstone Eric Lalonde Ernesto Fernandez Ernesto RVL Fred Sova Herbie sakalauskas Ian Kerr Jack Regnier James Little Jason Jason Krahl Jeff Quinn Jessica Pollock John Rowland Jonathan Zitter Josiane Pelkey Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelley McMurray Kelly McMUrray Kelly McMurray Kevin Cameron Kory Davis Kyle Austin Kyle Austin Maggie MacIsaac Matt Crockett Matt Crockett Matt Lutes Melissa Durksen Michael Krkic Michel Doiron Michel Ferland Mike Bancroft Mike Garrick Mike Grimes Mirel Bica Nicholas Kassian Nick McIntosh 2025 Nick RVL Office clerk Pankaj Mehta parts Parts Parts Department Parts Department Paul Curry Paul Curry RVL Peter Girouard Phil Hodgson Rita Caissie Rob Rosen LDSF Rob Rosen SF Robert Shaw Rodney Petty Ryan Mahar Samer Agaybi Samer Agaybi RVL Sean Montgomery Service Service Service Service Department Shae Lee Black Shane Murphy Shawn Hebert Shawn Murphy Shawn Murphy Shelly Macdonald Sherwin Robinson Steve Manley Terry Bower Todd Henry Toren Waitman Tracy Tracy Whalen Tracy Whalen Victoria Tibbits Walid Naeemi Walid Naeemi Warrenty Wayne Palmer Yanuario Valdez Pech

RV interested in:

New Used

New/Used

Year

Make

Model

Stock #

Choose

RV Type

Primary Applicant Information

First Name *

Middle Name *

Last Name *

---

Date of Birth *

(mm/dd/yyyy)

Social Security # *

Driver's License # *

# of Dependents *

---

Primary Applicant Contact Details

Email *

Contact Phone *

Work Phone

Cell Phone

---

Address *

City *

State *

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon

Zip/Postal *

---

Years at Current Address

Do You Own or Rent?

Own Rent

Monthly Payment

---

Financing Details

How much are you looking to finance? (ex: $22,000 or unsure)

---

Primary Applicant Employment Information

Years at Employer *

Employer Name *

Occupation *

Yearly Salary *

(ex $50,000)

Other Income *

Employer Phone *

Employer Address Line 1 *

Address Line 2

City *

State *

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon

Zip/Postal *

Country *

Add A Joint Applicant

---

Joint Applicant Contact Information

First Name

Middle Name

Last Name

Home Phone

Work Phone

Cell Phone

Email

Relation to Applicant

Date of Birth

Social Security Number

Driver's License #

# of Dependents

---

Joint Applicant Residency Information

Do you own or rent?

Own Rent

Monthly Payment

Years at Address

Address Line 1

Address Line 2

City

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon

Zip/Postal

---

Joint Applicant Employment Information

Years at Employer

Employer Name

Occupation

Yearly Salary

(ex $50,000)

Other Income

Employer Phone

Employer Address Line 1

Address Line 2

City

State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon

Zip/Postal

Country

---

Comments/Questions

By submitting this application, I/We certify that the submitted information is complete and accurate to the best of my/our knowledge. I/We understand and approve any inquiries regarding my/our credit record and employment history by the financial institution(s). I/We authorize the release of information about my/our credit experience.

It's ok to contact me about future discounts and events. (Easily unsubscribe at any time.)

Confirm Email

How Gap Insurance Works: A Real Example

Let’s look at the math on a typical claim without GAP:

• Loan Balance Remaining: $45,000

• Insurance Settlement (Market Value): $35,000

• The "Gap" (You Pay): $10,000

With GAP Insurance:

• Primary Insurance Pays: $35,000

• GAP Policy Pays: $10,000

• You Pay: $0

GAP turns a potential financial disaster into a clean slate, allowing you to start fresh and even finance a new RV immediately.

Who Needs Gap Insurance?

We strongly recommend GAP protection if:

1. Long Term Financing: You are financing for 10, 15, or 20 years.

2. Low Down Payment: You put less than 20% down (or used our "Zero Down" program).

3. Rolling in Negative Equity: You traded in a unit that you still owed money on, and rolled that debt into the new loan.

4. Full-Timers: If this is your home, you cannot afford to be left without an asset or the ability to finance a new one.

Understanding Loan Protection (Creditor Insurance)

Many buyers assume their workplace insurance covers their debts. Often, it does not.

• Why buy it here?

  • Portability: If you change jobs, you lose your work coverage. Our coverage stays with the loan.

  • Protect Your Estate: It prevents your family from having to sell the RV at a loss during a difficult time.

  • Protect Your Credit: Disability coverage ensures your payments are made on time, every time, even if your paycheque stops due to injury.

Is it Expensive?

Both GAP and Loan Protection are surprisingly affordable when broken down.

• Pennies a Day: Most customers choose to bundle this coverage into their RV financing. For the price of a coffee per week added to your payment, you can insure the entire value of the loan.

Can I Cancel It?

Yes. If you pay off your loan early, sell the RV, or trade it in, you can typically apply for a refund of the unused premium on these policies. You are only paying for the protection while you have the loan.

Don't Let a Total Loss Be a Total Loss. Protect your wallet from the unexpected. Ask for GAP on your next loan.