I moved your post to this thread as it has some historical information on insurance. I Believe that the club has a discount with Hub insurance that Saynomore negotiated with their N Van office. I investigated a couple years ago and got a better deal with Beacon through my house insurance agent in Maple ridge. We pay $440 for about $40 000 worth of insurance. Read the cautions in the posts above about making sure your policy covers you in US and other places you may go. Some do not cover “rivers” so entering Fraser becomes questionable. Be sure to do your homework.