How does insurance work during the winter storage period of my RV?

During winter storage, your broker can set up a layup clause that reduces your premium while maintaining basic coverage. This protection generally covers theft, fire, and vandalism while your vehicle is stored. In the spring, your broker reactivates full coverage before the vehicle is put back into service.

What discount can I get for insuring multiple RVs?

By grouping multiple RVs with the same insurer through your broker, you can receive multi-vehicle discounts of 10% to 25%. These discounts often stack with multi-policy discounts if you also combine your auto and home insurance. Your broker optimizes the placement of all your policies to maximize your savings.

Can an ATV operate on Quebec roads with standard insurance?

In Quebec, ATVs can operate on certain roads under specific conditions, including being registered with the SAAQ and covered by liability insurance. However, standard insurance is not always sufficient. A broker will propose coverage tailored to your actual use, whether on road, trail, or private land, including liability and property damage.

Do I need a special license to drive a snowmobile and is it insurable?

In Quebec, there is no specific license for snowmobiles, but the driver must hold a valid driver's license and be at least 16 years old. The snowmobile must be registered with the SAAQ and must be covered by liability insurance to operate on federated trails. A broker can offer you a comprehensive policy including liability, collision damage, theft, and trail assistance.

Quebec Recreational Vehicle Insurance Broker

Q: Do the services of an RV insurance broker cost more?

No. The services of an RV insurance broker are free for the consumer. The broker is compensated by commissions paid by insurers. In fact, the broker can often save you money by comparing offers from multiple insurers and finding the most advantageous coverage for your profile.

Q: What is agreed value in RV insurance?

Agreed value is a compensation amount set in advance between you and the insurer, stated in the contract. In the event of a total loss, you receive this amount rather than the depreciated value of the vehicle at the time of the claim. This guarantee is particularly recommended for boats, motorhomes, and collector vehicles.

Q: Does my RV insurance cover me in the United States?

Most Quebec policies offer basic coverage in the United States, but liability limits may be insufficient. A specialized broker will check that your limits are adequate for the states visited and adjust them if necessary. For extended stays in Florida or elsewhere, additional coverage may be required.

Q: Is my trailer covered by my RV insurance?

The trailer used to transport an RV is generally not automatically covered by the policy of the vehicle it transports. It requires its own coverage or a specific endorsement. Your broker can add the trailer to your existing policy or obtain dedicated protection, often at a very reasonable cost.

Q: Is there a minimum age to insure a motorcycle in Quebec?

In Quebec, you must hold a class 6 (motorcycle) driver's license issued by the SAAQ to ride a motorcycle. This license is available from the age of 16 with parental consent. However, insurance premiums for young drivers are generally higher due to increased statistical risk. A broker can find the most competitive insurers for young motorcyclists.

Q: What are the requirements to insure a boat that navigates in Florida?

To insure a boat that navigates in Florida, you must declare the navigation area to your insurer. The policy must explicitly cover U.S. waters, and liability must meet U.S. Coast Guard requirements. A specialized broker can obtain continuous coverage that protects your vessel during transit, storage in a marina, and navigation in southern waters.

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Recreational Vehicle Insurance in Quebec in 2026

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Types of RVs Covered

A recreational vehicle insurance broker in Quebec is a professional certified by the Autorité des marchés financiers (AMF) specialized in protecting recreational vehicles — motorcycles, boats, RVs, snowmobiles, ATVs, and personal watercraft. Unlike a direct insurer that represents only one company, the insurance broker works with multiple insurers to get you the best coverage at the best price. They analyze your specific needs based on the type of recreational vehicle, your seasonal usage, and your travel habits to build a tailored protection plan.

In Quebec, recreational vehicles represent a significant market. Hundreds of thousands of owners of motorcycles, boats, motorized recreational vehicles, snowmobiles, and ATVs need coverage tailored to the Quebec reality: short seasons, prolonged winter storage, sometimes demanding roads, and cross-border travel to the United States. A specialized broker understands these specifics and can negotiate favorable terms with multiple partner insurers.

Working with a broker rather than a captive agent gives you access to a much broader range of insurance products. The broker shops for you, compares coverage and premiums, and recommends the most advantageous solution. Their advisory services are free for the consumer, as their compensation comes from commissions paid by insurers.

Types of Recreational Vehicles Covered

A recreational vehicle insurance broker can help you protect a wide variety of recreational vehicles. Each type of vehicle has its own risks and requires appropriate coverage. Here are the main categories covered by our broker partners in Quebec.

🏍️ Motorcycle

Whether you ride a sport bike, touring bike, or custom bike, motorcycle insurance covers liability, property damage, theft, and accessories. The insurance broker can also include the motorcyclist’s gear.

⛵ Boat

The boat insurance protects your vessel against damage, sinking, theft, and liability while navigating. Coverage adapts according to the size of the boat, its engine, and its navigation area.

🚐 RV and Motorized

The RV and motorized insurance covers motorhomes, trailers, and campers. It often includes protection for personal belongings inside the vehicle and specialized roadside assistance.

❄️ Snowmobile

The snowmobile insurance is essential for riding on Quebec trails legally. It covers damages, liability, and towing in remote areas.

🏔️ ATV and UTV

ATV insurance protects your all-terrain vehicle against mechanical breakdowns, accidents, and theft. An insurance broker can find specific coverage for trail use or private land.

🌊 Personal Watercraft

The personal watercraft insurance covers personal watercraft (Sea-Doo, jet ski) for liability, damages, and theft. Coverage adapts to the engine power and navigation area.

⛵ Sailboat

The sailboat insurance offers tailored protection for pleasure sailboats, including the hull, rigging, sails, and onboard electronics. Covered navigation areas vary by contract.

Each category of recreational vehicle has its own risk factors. A specialized broker knows the intricacies of each and can guide you to the most relevant coverage for your situation. They are also able to group several recreational vehicles under one policy to obtain substantial discounts.

Why use a broker specializing in recreational vehicles

RV insurance is not a simple field. The seasonal particularities, the risks associated with each type of vehicle and the diversity of guarantees available make the choice of a policy complex. Here are five concrete benefits of working with a broker who specializes in this segment.

Expertise in seasonal coverage

In Quebec, the majority of recreational vehicles are only used for a few months of the year. A snowmobile runs from December to March, a boat sails from May to October, and a motorcycle usually runs from April to November. A specialized broker knows about seasonal coverage options that allow you to pay only for the months of actual use. He can also negotiate temporary suspensions of coverage during wintering while maintaining basic protection against theft and losses.

Protection during wintering (layup)

The wintering period is a critical time for recreational vehicles. Whether stored in a garage, dry marina or warehouse, these vehicles remain exposed to risks such as theft, fire, vandalism or weather damage. The broker implements a layup clause that considerably reduces your premium while ensuring appropriate coverage. The Société de l’assurance automobile du Québec (SAAQ) regulates the registration of road vehicles, but insurance coverage during storage is a private contract that your broker can optimize.

Multi-Vehicle Discounts

Outdoor enthusiasts often own several recreational vehicles. It is not uncommon to see the same owner own a motorcycle, a boat and a snowmobile. A specialized broker can group all these vehicles with the same insurer or strategically combine several policies to maximize your discounts. Savings can be as high as 15-25% compared to individually underwritten policies with different insurers.

Agreed value rather than impaired value

One of the most common pitfalls in RV insurance is depreciation. In the event of a total loss, a standard insurer will reimburse you for the market value of the vehicle at the time of the loss, which may be much less than what you paid. A specialized broker can negotiate an approved value policy, where the amount of compensation is set in advance and written into the contract. This coverage is especially important for boats, motorized recreational vehicles, and vintage motorcycles that can fluctuate significantly in value.

Extensive geographical coverage

Many Quebecers use their recreational vehicles outside the province. Motorcyclists ride to the Maritimes or New England, boaters sail the Great Lakes or down to Florida, and RV owners travel across North America. A broker ensures that your coverage is valid wherever you travel, including the United States, and that the liability limits meet the legal requirements of each jurisdiction you pass through.

💡 Did you know?

By consolidating your motorcycle, boat and snowmobile with the same insurer through your broker, you can save 15 to 25% on all your premiums. Add your home and auto insurance and multi-policy discounts add up even more. Ask your Assur360 broker to optimize the placement of all your vehicles.

Essential Recreational Vehicle Coverages

No matter what type of recreational vehicle you have, certain coverages are a must. The Insurance Bureau of Canada (IBC) recommends that recreational vehicle owners understand the coverages included in their contract before hitting the road or out on the road. Here are the essential protections that a broker will offer you.

Civil liability

Third-party liability is the basic mandatory coverage. It protects you if you cause property damage or bodily injury to a third party while using your recreational vehicle. In Quebec, the legal minimum is $50,000 for road vehicles, but insurance brokers generally recommend limits of $1,000,000 or $2,000,000 for adequate coverage. For boats, third-party liability covers damage to other boats, docks, swimmers or the environment.

All perils and specified risks

Comprehensive coverage covers damage to your own vehicle, regardless of the cause — collision, rollover, vandalism, fire, theft, hail, flood or contact with an animal. The Specified Perils cover is less expensive and only covers a defined list of perils. An insurance broker will help you determine which one is right for you, taking into account the value of the vehicle, its age and your usage habits.

Agreed Value

As mentioned earlier, the agreed value sets the amount of compensation in advance in the event of a total loss. This coverage is particularly recommended for new vehicles, pleasure boats and motorized RVs that can be valued at more than $100,000. Your insurance broker will document the value of the vehicle with photos, invoices and an appraisal at the time of purchase.

Assistance and Towing

A breakdown or accident with a recreational vehicle can occur in remote places — on a snowmobile trail in Mauricie, on a lake in Abitibi or on a secondary road in Gaspésie. Specialized roadside or nautical assistance covers towing, breakdown assistance, and even emergency accommodation if needed. For boats, this coverage usually includes sea towing and emergency drydocking.

Personal belongings

Recreational vehicles often contain valuable equipment, such as fishing gear, camping gear, electronics, specialized clothing and accessories. Personal effects coverage covers these items in the event of theft or damage. For motorized RVs, this coverage can extend to furniture, appliances, and onboard kitchen equipment.

Navigation and travel outside Quebec

If you plan to use your recreational vehicle outside of Quebec, it is crucial to check that your policy covers the territories visited. Liability requirements vary from province to province and from state to state. An insurance broker ensures that your coverage is compliant everywhere and adjusts the limits accordingly.

How to save on your RV insurance

Insuring a recreational vehicle is a significant cost, especially if you own multiple vehicles. Luckily, an insurance broker knows many strategies to reduce your premium without sacrificing the quality of your coverage. Here are the top ways to save.

Multi-vehicle grouping

Bundling all your recreational vehicles (and even your car and home insurance) with the same insurer or through your broker allows you to obtain multi-policy discounts. These discounts are often the most generous and can represent 10 to 25% savings on your overall insurance premiums.

Seasonal pricing

If your vehicle only drives four or five months a year, why pay for full coverage twelve months out of twelve? Many insurers offer seasonal policies or suspensions of coverage during the wintering period. Your broker can set up reduced coverage (theft and fire only) during the months of storage and full coverage during the season of use. The savings are substantial, especially for snowmobiles and boats.

Recognized Safety Courses

Many insurers offer a discount to drivers who have taken a recognized safety course. For motorcycles, the Promocycle Foundation’s driving course entitles you to a discount. For boats, the certificate of competency in navigation issued by Transport Canada is often rewarded. For snowmobiles and quads, FCMQ training can also give access to discounts. Your broker knows all the eligible programs and makes sure you get every discount available.

Good driving record

A clean driving record, with no claims and no infractions, is your best bet to obtain an advantageous premium. Insurers reward safe drivers with discounts of up to 15% after a few years without a claim. Your broker can also identify the insurers that are the most generous to good drivers and place your file accordingly.

Strategic choice of the deductible

The deductible is the amount you pay out of pocket before the insurer intervenes in the event of a claim. By increasing your deductible from $500 to $1,000 or $2,000, you can reduce your premium significantly. This strategy is particularly interesting if your vehicle is worth a lot and you have a financial reserve to cover the excess if needed. Your broker will help you find the right balance between the deductible and the premium.

U.S. Recreational Vehicle and Travel Insurance

Every year, thousands of Quebecers cross the U.S. border with their recreational vehicles. Whether it’s for a motorcycle road trip in Vermont, a boat cruise on Lake Champlain, an RV trip in the campgrounds of Florida or a fishing trip in Maine, the issue of out-of-province insurance is essential.

Out-of-province and cross-border coverage

Most Quebec insurance policies offer basic coverage in Canada and the United States, but liability limits may be insufficient depending on the state visited. In the United States, liability lawsuits can reach astronomical amounts. An insurance broker will verify that your limits are adequate and adjust them if necessary, usually to a minimum of $2,000,000 for U.S. travel.

Florida destination for boats

Florida is the winter destination of choice for Quebec boaters. Navigating the waters of Florida, the Bahamas, or the Keys requires specific coverage. Navigation areas must be declared to the insurer, and the policy must explicitly cover U.S. waters. If you plan to take your boat to Florida, check our page boat insurance for South Florida, Bahamas, and more for a quote tailored to this use.

A broker who knows the nautical snowbird market can obtain continuous coverage that protects your vessel during transit, storage at the U.S. marina, and navigation in southern waters. They will also ensure that your liability insurance meets the requirements of the U.S. Coast Guard.

Motorized recreational vehicles and snowbirds

Owners of motorized RVs who spend the winter in Florida, Arizona, or Texas must ensure that their policy covers an extended stay in the United States. Some policies limit the duration of the stay abroad or exclude certain states. Your broker can negotiate an extension of coverage for long-term stays and ensure that the protection of your personal belongings on board the vehicle is valid in U.S. territory.

🌴 Florida Council

If you take your boat or RV down to Florida every winter, ask your insurance broker for a policy with an extended boating area and continuous cross-border coverage. The savings from negotiating a single annual policy rather than one-time extensions can be significant.

Get your free quote

Do you own one or more recreational vehicles and want to get the best coverage at the best price? Our partner firms across Quebec are ready to analyze your situation and present you with options tailored to your needs. The quote is free, quick, and without obligation.

Whether you are looking to insure a motorcycle, a boat, an RV, a snowmobile, an ATV, a personal watercraft, or a sailboat, one form is enough. Fill out your online quote request and a broker specialized in recreational vehicles will contact you shortly to offer you the best options available in the Quebec market.

You can also compare the products offered by our insurance brokers by consulting our insurance product catalog. Each product is presented with its main coverages, options, and the advantages of going through a broker rather than a direct insurer.

Why trust Assur360?

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Frequently asked questions about recreational vehicle insurance

Do the services of a recreational vehicle insurance broker cost more?

No. The services of a recreational vehicle insurance broker are free for the consumer. The broker is remunerated by commissions paid by insurers. In fact, the broker can often save you money by comparing offers from several insurers and finding the most advantageous coverage for your profile.

How does insurance work during the wintering period of my recreational vehicle?

During the winter, your broker can set up a layup clause that reduces your premium while maintaining basic coverage. This coverage typically covers theft, fire, and vandalism while your vehicle is in storage. In the spring, your broker reactivates full coverage before recommissioning.

What is Registered Value in Recreational Vehicle Insurance?

The agreed value is an amount of compensation set in advance between you and the insurer listed in the contract. In the event of a total loss, you receive this amount rather than the depreciated value of the vehicle at the time of the loss. This warranty is particularly recommended for boats, motorized RVs and collector’s vehicles.

Does my RV insurance cover me in the U.S.?

Most Quebec policies offer basic coverage in the U.S., but the liability limits may not be sufficient. A specialized broker will check that your limits are adequate for the states visited and adjust them if necessary. For extended stays in Florida or elsewhere, an extension of coverage may be required.

Is my trailer covered by my RV insurance?

The trailer used to transport a recreational vehicle is generally not automatically covered by the policy of the vehicle it is transporting. It requires its own coverage or a specific endorsement. Your broker can add the trailer to your existing policy or purchase dedicated coverage, often at a very reasonable cost.

What discount can I get by insuring multiple recreational vehicles?

By grouping several recreational vehicles with the same insurer through your broker, you can obtain multi-vehicle discounts of 10 to 25%. These discounts are often in addition to multi-policy discounts if you also combine your car and home insurance. Your broker optimizes the placement of all your policies to maximize your savings.

Is there a minimum age to insure a motorcycle in Quebec?

In Quebec, you must have a class 6 driver’s license (motorcycle) issued by the SAAQ to drive a motorcycle. This license is accessible from the age of 16 with parental consent. However, insurance premiums for young drivers are usually higher due to the increased statistical risk. A broker can find the most competitive insurers for young motorcyclists.

What are the requirements to insure a boat that sails in Florida?

To insure a boat that sails in Florida, you must declare the navigation area to your insurer. The policy must explicitly cover U.S. waters, and civil liability must meet U.S. Coast Guard requirements. A specialized broker can provide you with ongoing coverage that protects your boat during transit, marina storage and navigation in southern waters.

Can an ATV drive on Quebec roads with standard insurance?

In Quebec, quads (ATVs) can be driven on certain roads under specific conditions, including being registered with the SAAQ and being covered by civil liability insurance. However, standard insurance is not always enough. A broker will offer you coverage adapted to your actual use, whether on the road, on trails or on private land, including civil liability and property damage.

Do I need a special permit to drive a snowmobile and is it insurable?

In Quebec, there is no specific permit for snowmobiling, but the driver must have a valid driver’s license and be at least 16 years old. The snowmobile must be registered with the SAAQ and must be covered by civil liability insurance to ride on federated trails. A broker can offer you a comprehensive policy that includes civil liability, collision damage, theft and trail assistance.

Recreational vehicle insurance broker throughout Quebec

Our recreational vehicle broker partners serve all regions of Quebec, including Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Lévis. Whether you live in an urban or regional area, get a quote adapted to your recreational vehicle and your local reality.

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Last updated: June 26, 2026