Trailer insurance

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Motorisé, caravane, autocaravane, roulotte : couverture spécialisée.

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Your trailer represents thousands of dollars of investment and countless family memories. But be careful: a traditional car insurance policy is not enough to protect it once detached from your towing vehicle. Whether you drive a conventional trailer, 5th wheel, hybrid or tent trailer, Assur360, an AMF-certified firm, finds the best trailer insurance in Quebec for you among 30+ insurers. Get your trailer quote in 3 minutes.

What is trailer insurance?

Trailer insurance is a specialized policy that covers towed (non-motorized) trailers against damage, theft, fire, vandalism, bad weather and engages your civil liability when the trailer is parked on a campground or at home. Unlike a conventional motorhome, a trailer does not have an engine and depends on a towing vehicle to get around. This creates two very distinct insurance contexts: hitched (partially covered by your car policy) and detached (requires its own policy).

In Quebec, trailer insurance is not mandatory by law, but it is strongly recommended by the AMF and often required by lenders when the trailer is financed. Given the average value of a family trailer ($30,000 to $80,000), an adapted policy costs from $25 per month, which is still marginal compared to the risk of total loss.

The 5 types of trailers and their specificities

The term “trailer” includes several categories of towed caravans. Each one involves different pricing and coverage.

Is my trailer covered by my car insurance policy?

This is THE question that all caravan owners ask themselves. Short answer: yes, but only partially, and only when harnessed. Here is the rule in detail.

When your trailer is hitched to your towing vehicle and on the move, the liability portion of your automobile policy usually extends to the trailer. In other words, if you cause an accident with the trailer, the damage you cause to others will be covered by your car insurance. But as soon as the trailer is detached and parked (at the campsite, in your backyard, at a friend’s house), it is no longer covered by your standard car policy. Then you need dedicated trailer insurance.

Essential coverage of trailer insurance

A good trailer insurance policy in Quebec is built around 6 major coverages, some of which are included automatically and others as an option.

How is the price of trailer insurance calculated?

The premium depends essentially on 7 criteria analysed by our partner insurers. Each can vary the price from 10 to 40%.

Price Grid — Trailer Insurance in Quebec 2026

Source: Assur360 2026 estimates, driver profile 35-60 years old without claims, seasonal use, secure storage. Your actual premiums may vary.

Winter storage of your trailer: points to watch out for

Between November and April, your trailer is usually put into storage. However, nearly 20% of trailer claims occur during the winter. Here are the risks to anticipate and the best practices to adopt:

• Rodents : Mice and field mice love electrical wiring and insulation. Solution: airtight air cap, repellents, traps.
• Frozen pipes : Drain water tanks completely and add non-toxic RV antifreeze.
• Collapse of the roof under the weight of accumulated snow: shovel regularly or use a temporary shelter.
• Theft : a mechanical drawbar lock ($100 to $300) and a GPS tracker ($150 to $400) drastically reduce the risk.
• Water infiltration : check the seals and roof for tightness before storage.
• Vandalism : Prefer a fenced site or indoor storage at a dealership.

Make sure your policy maintains comprehensive and theft coverage during the storage period. Some budget policies reduce coverage during winterization, which can leave you exposed.

Travelling to the USA with your caravan: what you need to know

Many Quebecers go to Florida, Texas or Arizona to winter with their trailer hitched to a pick-up. Before crossing the border, validate these points with your Assur360 broker:

• The maximum duration of U.S. territorial coverage (often 30 days, extendable by amendment).
• Civil liability must be raised to a minimum of $2 million (American lawsuits are expensive).
• Keep your bilingual proof of insurance (often referred to as the “Canadian non-resident inter-province motor vehicle liability insurance card”) on board.
• Purchase separate travel medical insurance ( RAMQ only reimburses a tiny fraction of U.S. hospital costs).
• Think of USA Roadside Assistance, which is rare in basic policies.

What is the advantage of using a caravan for camping?

1. Comfort : beds, kitchen, bathroom, heating and air conditioning for a 4-season campsite.
2. Flexibility : change your SÉPAQ campsite or Park Canada without disassembling.
3. Protection : safe from insects, weather and wildlife.
4. Price : much more affordable to buy than a second home or a motorhome.
5. Storage : Built-in storage that’s superior to a tent, ideal for long stays.
6. Family : private spaces for everyone, while staying together.
7. Accessibility : allows the elderly or people with reduced mobility to travel.
8. Resale : RV resale market very active in Quebec, solid resale value.

Trailer insurance anywhere in Quebec

Our trailer insurance brokers serve all regions of Quebec, especially the most popular vacation areas and tourist routes. Whether you’re camping on the shores of Lake Memphremagog, in the Laurentians, the Magdalen Islands or the Gaspé Peninsula, we’ll find the right font for your use.

Assur360 insures your trailer in Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Saint-Jean-sur-Richelieu, Magog, Mont-Tremblant, Drummondville, Granby, Rimouski, Thetford Mines and everywhere else in Quebec. Our brokers know the SÉPAQ campgrounds, wildlife reserves, private campgrounds in the Eastern Townships and the popular sites of the Mauricie, Bas-Saint-Laurent and Charlevoix regions.

Go further

FAQ — Trailer Insurance in Quebec