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2026 Trailer Insurance — Roulotte Québec

Do you own a classic caravan ? Trailer pulled by a vehicle (bumper attachment). Find the best coverage in 3 minutes. Assur360 is an independent comparator that puts you in touch with AMF-certified partner firms. The brokers of our partner firms compare more than 9 specialized RV insurers to find the best protection at the best price, at no cost.

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Classic Caravan Insurance 2026

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Essential Covers for a Classic Caravan

Civil liability

Minimum $2 million in Quebec, $5 million recommended. Protects against damage to others.

Fire and theft

Essential during winter storage. Covers short circuit, fire, vandalism.

Collision and all-perils

Damage to the RV in the event of an accident, bad weather (hail, wind, branches).

Personal belongings

Limit $5,000-25,000 depending on the insurer. Dish covers, electronics, bicycles, equipment.

RV Roadside Assistance

Specialized towing, breakdown assistance, temporary accommodation in case of breakdown.

Replacement cost guarantee

Over 24-60 months depending on model. Avoids the discount in the event of a total loss.

Classic caravan specificities

RV Type

Trailer pulled by a vehicle (bumper attachment). The most popular in Quebec. Brands: Jayco Jay Flight, Forest River Wildwood, Coachmen Catalina.

Driving and Licensing

Most Class 5 licences (Quebec) allow you to pull an RV <4,500 kg. Check the towing capacity of your towing vehicle.

Winter storage

Covered during the wintering if the policy includes fire/theft coverage. Check the conditions (warehouse vs. residential yard).

Frequently asked questions

How much does classic caravan insurance cost in Quebec?
Premiums for a classic trailer vary by type and value: $320 to $1,200/year. Simpler models (tent-trailer, mini-trailer) cost less than 5th wheels or classic luxury caravans.
Does a classic caravan have to be insured all year round?
Yes, in Quebec, your classic trailer must be insured 12 months out of 12, even in storage. Civil liability and fire/theft coverage are mandatory to keep the mortgage guarantee if you finance the RV.
What is the best coverage for a classic caravan?
Replacement cost 24-60 months for recent models, civil liability $2 million minimum, fire/theft/vandalism, personal effects $5,000+. A used classic caravan is often satisfied with the market value.
Is my driver’s license enough to pull a classic caravan?
Trailer pulled by a vehicle (bumper attachment). A Class 5 (auto) license is sufficient for most classic trailers under 4,500 kg (10,000 lbs). For higher loads, a Class 5 licence remains valid, but check the towing capacity of your towing vehicle.
Is my classic trailer covered in the United States?
Yes, most Quebec RV policies cover travel within the United States and Canada. Usual maximum duration: 30 to 60 consecutive days. Check your contract before a long trip.
How to reduce the cost of insuring a classic caravan?
1) Combine with your car/home insurance (10-25% discount). 2) Choose a higher deductible ($1,000 vs. $500). 3) Take advantage of the wintering discount. 4) Compare at least 3 insurers — that’s what our partner brokers’ brokers do.

Why choose Assur360

  • ✓ Independent comparator : we compare more than 9 insurance companies for you
  • ✓ AMF and Chambre de l’assurance certified partner firms
  • ✓ 100,000+ Quebecers have already trusted our network
  • ✓ Free service, no hidden costs, no commitment
  • ✓ Quote in 3 minutes, online or by phone
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