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Campervan Insurance 2026 — Van life Quebec

Do you own a campervan ? Van Class B (Sprinter, Transit, ProMaster fitted). 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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Campervan insurance 2026

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Essential Covers for a Campervan

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.

Campervan specificities

RV Type

Van Class B (Sprinter, Transit, ProMaster fitted). Growing van life mode. Brands: Winnebago Travato, Coachmen Galleria, Roadtrek.

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 campervan insurance cost in Quebec?
Premiums for a campervan 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 campervan have to be insured all year round?
Yes, in Quebec, your campervan 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 campervan?
Replacement cost 24-60 months for recent models, civil liability $2 million minimum, fire/theft/vandalism, personal effects $5,000+. A used campervan is often satisfied with the market value.
Is my driver’s license enough to pull a campervan?
Van Class B (Sprinter, Transit, ProMaster fitted). A Class 5 (car) licence is sufficient for most campervans 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 campervan 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 campervan?
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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