The first questions to answer would be, what's a recreation vehicle and why would you choose to insure it.
Recreation transport is one that you would typically use for fun/amusement. By way of example if you normally utilize your vehicle by rv rental costs to commuting but on week-end drive a motorcycle then the bike is observed as a recreation vehicle.
However, on the other hand, you use your motorcycle to go to work on hot days then the bicycle is no great thought of as recreation transportation.
Some of the more traditional recreation transports are:
Do you have to get recreation transport insurance?
In practically every case the solution is yes, the most common reason is that most good insurance companies will not charge you a premium for having a vehicle from time to time. You're normally not penalized for having recreation transport.
Generally, a recreation vehicle is well looked after, and because, by definition, it is only utilized once in a while, most insurance companies will present some very low quotes.
But another important reason is that most recreation transports are not used as frequently so the likelihood of something occurring increases.
You must accept that you're not as familiar with that vehicle because you are with your usual one. Hence the possibility of an accident increases.
You should always check with your insurance company that your insurance is up to date; it's often easy to assume that a vehicle is insured for, say, 12 months when it is only covered for 6 weeks.