Votre motorisé ou caravane est bien plus qu’un simple véhicule : c’est votre maison mobile, votre liberté, votre investissement. Une assurance véhicule récréatif (VR) adaptée aux réalités québécoises protège votre bien, votre responsabilité civile et votre famille, que vous campiez à la SÉPAQ, au Parcs Canada ou sur la route vers la Floride. Assur360, cabinet certifié AMF, compare plus de 30 assureurs pour dénicher la meilleure couverture VR au meilleur prix. Obtenez votre soumission VR en 3 minutes.
ASSURANCE VÉHICULE RÉCRÉATIF QUÉBEC
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Obtenir ma soumission VRWhat is RV insurance in Quebec?
RV (recreational vehicle) insurance is a specialized policy that protects your motorhome or towed caravan against property damage, theft, fire, bad weather and engages your civil liability in the event of an accident. In Quebec, the SAAQ imposes a minimum of $50,000 in civil liability for all motor vehicles on the road, including Class A, B and C motorhomes. However, most Quebecers opt for a limit of $1 million to $2 million given the high value of an RV (often more than $100,000) and the risks associated with long-distance driving.
Unlike standard car insurance, RV insurance takes into account the dual use of your vehicle: means of transportation AND temporary home. It therefore covers both mechanical components (engine, transmission, tires) and residential equipment (stove, refrigerator, bathroom, awning, solar panels, furniture). It’s this versatility that distinguishes a true VR policy from a simple car endorsement.
The 4 main categories of recreational vehicles
Before shopping for RV insurance, you need to understand the 4 main families of recreational vehicles, as each requires a different policy.
Class A motorized
Large converted bus, 8 to 14 metres, value $100,000 to $500,000+. Complex driving, higher premium, often insured at an agreed value.
Class B motorhome (van)
Campervan (Ford Transit, Sprinter, Promaster). 5 to 7 metres, $60,000 to $180,000. Ideal for couples and nomadic travellers.
Class C motorized
Truck cab with overcab sleeper above the driver. 6 to 10 metres, $70,000 to $200,000. The most popular in Quebec.
5th wheel caravan
Trailer towed by pick-up equipped with a floor hitch. 8 to 13 metres, $40,000 to $150,000. Very spacious, ideal for long term trips.
Conventional trailer
Caravan towed by ball hitch. 5 to 11 metres, $15,000 to $80,000. See trailer insurance.
Hybrid tent trailer
Pop-up with folding soft walls. 3 to 6 metres, $10,000 to $30,000. Lightweight, entry-level, simple coverage.
Mandatory vs. optional RV insurance coverage
A good recreational vehicle insurance policy is built in two steps: the mandatory coverage imposed by Quebec law, and the optional endorsements that your Assur360 broker will recommend to you according to your usage profile.
| Mandatory or optional | coverage | What it covers |
|---|---|---|
| Mandatory Civil | Liability (motorized) | Damage caused to others (minimum $50,000, recommended $1-2 million) |
| Collision Rollover | Optional (highly recommended) | Accident repair or replacement |
| All perils | Optional | Theft, fire, vandalism, hail, falling trees, animals |
| Personal Effects | Endorsement | Clothing, Electronics, Camping Equipment ($3,000 to $20,000) |
| Agreed Value | Endorsement | Agreed fixed amount repaid in the event of a total loss (without impairment) |
| RV Roadside Assistance | Endorsement | RV Specialized Towing (up to 500 km), Roadside Assistance, Temporary Accommodation |
| Hotel | and mealattendant | whenyour RV is immobilized while travelling |
| Extended | coverage during a stay in the United States (Florida, Arizona) | |
| Winterization Protection | Included / Endorsement | Damage during storage (rodents, frost, vandalism, roof collapse) |
How to buy RV insurance in 5 steps
Identifiez votre type de VR
Motorisé classe A, B ou C, 5e roue, caravane classique, hybride ou tente-caravane. Notez la marque, le modèle, l’année, la longueur et la valeur d’achat.
Définissez votre usage
Loisir occasionnel (quelques week-ends), saisonnier (juin à septembre), à temps plein (résidence principale) ou location Airbnb/Outdoorsy ? L’usage modifie fortement la prime.
Remplissez la soumission en ligne
3 minutes chrono sur notre formulaire sécurisé. Infos véhicule, conducteur principal, lieu de remisage et historique de réclamations.
Comparez les offres reçues
Un courtier Assur360 vous présente les 3 meilleures options de notre réseau de 30+ assureurs. Vous choisissez en toute transparence, sans frais cachés.
Signez et recevez vos documents
Signature électronique, carte d’assurance envoyée par courriel dans l’heure, paiement mensuel ou annuel selon votre préférence.
The broker’s advice
If your RV is worth more than $75,000, always ask for the “agreed value” endorsement. In the event of a total loss, the insurer will give you the amount agreed in advance, without applying an annual depreciation (which can be up to 15% per year on a new motorhome).
How much does RV insurance cost in Quebec in 2026?
Premiums vary greatly depending on the type of vehicle, its age, its value, the use and the driver’s profile. Here are the price ranges observed in Quebec in 2026 by Assur360 with its network of partner insurers.
| Type of RV | Average Value | Annual Premium | Monthly Premium |
|---|---|---|---|
| Class A Motorhome | $200,000 | $1,400 to $2,800 | $115 to $235 |
| Class B motorhome (van) | $110,000 | $900 to $1,600 | $75 to $135 |
| Class C Motorhome | $130,000 | $1,000 to $1,900 | $85 to $160 |
| 5th Wheel Caravan | $80,000 | $500 to $1,100 | $42 to $92 |
| Classic Trailer | $35,000 | $300 to $700 | $25 to $58 |
| Tent Trailer | $18,000 | $180 to $380 | $15 to $32 |
Source: Assur360 estimates based on 30+ partner insurers, driver profile 35-60 years old without claims, seasonal use, stored in a secure shelter. The actual numbers depend on your personal record.
Statistics to know about RVs in Quebec
The RV market has been booming in Quebec since the pandemic. Here are some figures that explain why good recreational vehicle insurance is becoming essential.
- More than 200,000 recreational vehicles are registered in Quebec according to the SAAQ.
- Sales of new motorhomes increased by more than 40% between 2020 and 2024.
- The theft of parked RVs accounts for nearly 6% of claims, often in winter in unsupervised storage.
- Hail damage and falling trees are the 2nd leading cause of claims, behind collisions.
- More than 850 campgrounds are listed in Quebec, in addition to the SÉPAQ parks and wildlife reserves.
RV winterization: beware of these risks
From November to April, your RV sleeps. But the victims do not sleep. Rodents in the wiring, infiltration through the roof, frozen pipes, collapsing under the snow, vandalism: damage that occurred during storage accounts for about 1 in 5 claims. Before storing your vehicle, validate with your Assur360 broker that your policy retains all risk and theft coverage during the winter.
Mistakes to avoid with your RV insurance
Never declare “occasional recreational” use if you live in your RV year-round: in the event of a claim, the insurer could deny the claim for misrepresentation.
Don’t count on your car policy to cover a trailer detached from the towing vehicle: it is almost always excluded.
Do not go to the USA without validating your territorial coverage. Some policies limit medical expenses or liability south of the border.
Traveling to the USA with your RV: essential coverage
Thousands of Quebec snowbirds migrate every year to Florida, Arizona or Texas with their RVs. Your Quebec RV insurance usually covers stays in the United States for up to 30 consecutive days. Beyond that, an “extended stay” endorsement must be added. Also remember to:
- Increase your civil liability to a minimum of $2 million (U.S. lawsuits are very costly).
- Purchase separate travel medical insurance ( RAMQ covers almost nothing abroad).
- Check roadside assistance coverage in the U.S.
- Keep the bilingual proof of insurance (“ID Card”) on board.
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Obtenir ma soumission VRRV insurance everywhere in Quebec
Our brokers specializing in recreational vehicle insurance serve all of Quebec, from the largest urban centers to popular camping regions. Whether you’re starting from a residential area or a lakeside cottage, we’ll find the right coverage for your destination.
Assur360 finds your RV insurance in Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Saint-Jean-sur-Richelieu, Drummondville, Rimouski, Rouyn-Noranda, Thetford Mines and everywhere else in the province. We know the roads of the Gaspé Peninsula, the campgrounds of the Mauricie National Park, the rest areas of the North Shore and the popular spots of Charlevoix, the Eastern Townships and the Laurentians.
Deepen your RV knowledge
RV Insurance Main Page
All Class A, B, C motorized covers and towed trailers.
Trailer insurance
Specificities for towed caravans, 5th wheels, tent caravans.
Car insurance
Your towing vehicle must be well protected to tow your caravan.
Motorcycle insurance
A motorist with a passion for the outdoors? We also insure your motorcycle.
FAQ — Recreational Vehicle Insurance in Quebec
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