Can I insure an RV full-time?

Yes, but full-time use must be declared. The policy will include home protection (extended contents, home liability, temporary housing). Without declaration, any home claim may be denied.

2026 Quebec Motor Insurance: Class A/B/C

Q: Is motorhome insurance mandatory in Quebec?

Yes. Like any registered vehicle, motorhomes require at least liability coverage under the Quebec Automobile Insurance Act. Legal minimum is $50,000, with $2M recommended especially for trips to the US.

Q: How much does RV insurance cost in Quebec in 2026?

From $650 to $3,500 per year depending on the class: $650-$1,100 for Class B, $750-$1,400 for Class C, $1,100-$1,900 for Class A gas, and $1,800-$3,500 for Class A diesel pusher.

Q: Is my RV covered when I go to Florida?

Yes, most RV policies in Quebec cover the continental United States at no extra cost for up to 6 consecutive months. Ideal for snowbirds. Beyond that, notify your insurance broker.

Q: What is the difference between replacement value and agreed value?

Replacement value replaces the RV with an equivalent new one (3-5 years old). Agreed value sets a fixed amount in advance. Without these options, you are paid at market value with depreciation.

Q: Is winter storage covered?

Yes, the motorhome is covered year-round including winter storage (November to April) against theft, fire, vandalism, falling branches, and ice damage. Declare the exact location.

Q: Is a special license required to drive a Class A?

A standard Class 5 license is sufficient for any motorhome with a GVWR under 4,500 kg. Above that, a Class 4B license may be required. Most Class A gas and standard Class C are under 4,500 kg.

Q: What to do in case of a claim with the RV?

Safety first, call 911 if there are injuries, fill out a claim report, take photos of the damage, then call Assur360 at 1-866-357-4451 to activate RV roadside assistance and start the claim.

VR ET MOTORISÉ

Assurance véhicule récréatif

Motorisé, caravane, autocaravane, roulotte : couverture spécialisée.

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Class A motorhome in kind — Assur360 recreational vehicle insurance

IN BRIEF

Motor insurance: vehicle + home on wheels

A motorhome combines a road vehicle AND a mini-residence. The insurance must cover both: collision/liability on the road AND theft/fire/resting contents. A car policy alone is not enough.

Tip: some insurers offer a 15-30% discount in wintering if you store the motorhome in a closed room between November and April. Mention this to your broker.

Motor insurance in Quebec protects your recreational vehicle (RV) — Class A luxury, Class B van, B+, Class C cabover, super C or motorhome — against theft, collision, fire, civil liability and winter storage claims. At Assur360, our AMF-certified brokers compare more than 9 insurers specializing in RVs to find the right coverage for your motorhome, your use (weekend, snowbird in Florida, full-time) and its value.

RV INSURANCE 2026

Protect your Class A, B or C motorhome starting at $650/year

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What is a motor vehicle in the sense of insurance?

A motorized vehicle (or motorhome) is a self-propelled RV that combines driving and living — unlike a trailer or fifth-wheel trailer that must be towed. Motorhomes are classified in categories A (luxury/coach), B (campervan/van life), B+, C (cabover) and super C. Each class has a specific pricing due to its value, configuration, and usage.

Motorhome classes covered

🚌 Class A — Luxury coach

Fleetwood, Winnebago, Newmar, Tiffin, Thor, Entegra. 26 to 45 feet. Truck/coach chassis, rectangular body. Diesel pusher or petrol. $100,000 to $800,000+.

🚐 Class B — Campervan

Roadtrek, Pleasure-Way, Leisure Travel, Winnebago Travato, Airstream Interstate. On Mercedes Sprinter, Ford Transit, Ram ProMaster chassis. 18 to 24 feet. Ideal van life.

🚚 Class B+

Coachmen Beyond, Leisure Travel Unity, Winnebago View/Navion. Hybrid between B and C — widened/extended van without real cab above. 24 to 27 feet.

🏕️ Class C — Cabover

Jayco, Coachmen, Thor, Forest River, Gulf Stream. Ford E-Series or Transit chassis. Sleeping above the cabin. 22 to 32 feet. The most popular class in Quebec.

🏔️ Super C

Dynamax, Renegade, Jayco Seneca. Heavy truck chassis (Freightliner, Kenworth) with conventional cab. 33 to 40 feet. Diesel, power to shoot.

🇫🇷 Motor home (all sizes)

General term in Quebec French designating classes A/B/B+/C. RV registration with the SAAQ is required.

Essential Protections of RV Insurance

🛡️

Civil liability

Minimum $2 million recommended in Quebec and required to travel to the United States. Covers damage and injury to third parties.

💥

Collision and all-perils

Damage to the motorhome in collision, overturn, fire, vandalism. Essential for vehicles $50,000 and over.

💎

Replacement Cost / Approved

Replacement at new (3-5 years) or fixed agreed value — fundamental for an RV that loses 20% in the first year.

🧳

Personal Content

Electronics, dishes, bikes, BBQ, bedding, clothing — typically $10,000 to $25,000 of protection.

🛟

24/7 Roadside Assistance

Towing (an RV costs $5-10/km), on-site breakdown assistance, temporary accommodation, repatriation. RV specific (not standard AAC).

🏠

Winter Storage

Coverage November to April during storage (garage, yard, warehouse). Fire, theft, ice, falling branches.

Indicative prices 2026 per class

Motorized	Typical Value	Estimated annual premium*
Class B (campervan)	$80,000 – $180,000	$650 – $1,100
Class B+	$120,000 – $200,000	$800 – $1,300
Class C (cabover)	$60,000 – $180,000	$750 – $1,400
Class A (petrol)	$120,000 – $250,000	$1,100 – $1,900
Class A diesel pusher	$250,000 – $600,000	$1,800 – $3,500
Super C	$200,000 – $450,000	$1,500 – $2,700

*Indicative rates 2026 — driver 30 years+, no claims, recreational use (not full-time). Get your exact price in 3 minutes.

How to get your quote in 4 steps

Gather the motorhome information

Make, model, year, length, class (A/B/B+/C/super C), VIN, weight, purchase value, options (generator, slide-outs, satellite, solar panels).

Declare use and travel

Recreational use (weekends, holidays), snowbird (1-6 US months), or full-time (main residence). Annual mileage, destinations (QC, Canada, USA, Florida).

Receive quotes

An Assur360 broker compares the offers of specialized RV insurers (Aviva VR, Intact Motorhome, Economical, Belair) and presents the best options.

Activate coverage

Electronic signature, payment, certificate issuance. Pink card valid to cross the US border given within 24 hours.

💡

Travel to the United States and Florida

The vast majority of Quebec RV policies cover the United States at no additional cost for up to 6 consecutive months — ideal for snowbirds on their way to Florida, California or Texas. Beyond 6 months, notify your broker to avoid exclusion.

Full-time use: a special case

⚠️

Full-time use to be declared

If your motorhome is your main residence (full-time RVer), you must declare it. The policy will then include built-in home protection (similar to a tenant policy). Not declaring = risk of refusal of a claim on any home claim (theft, fire, appliance breakdown).

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How to reduce the cost of your motor insurance

💰

Bundle with auto and home

Multi-policy discount with Aviva, Intact, Belair: up to 15% on the RV when combined with auto and home.

🏘️

Secure storage

Indoor storage (garage, warehouse), fenced or monitored — discount of 10 to 20%. Avoid storage in an unmonitored commercial parking lot.

📚

RV driving courses

A specific RV driving course (FQCC, recognized school) can reduce the premium, especially for a first Class A purchase.

Motor insurance anywhere in Quebec

Our Assur360 brokers cover motorhome owners in all regions of Quebec — from major cities to family campgrounds. We serve Montreal, Quebec City, Laval, Trois-Rivières, Saguenay, Gatineau, Shawinigan, Sherbrooke, Lévis, Thetford Mines, Drummondville, Saint-Jérôme and all municipalities with camping or commercial RV storage.

Frequently Asked Questions — Motor Insurance Quebec

Is motorhome insurance mandatory in Quebec?

Yes — like any registered road vehicle, a motorhome requires at least liability coverage according to the Quebec Automobile Insurance Act. The legal minimum is $50,000, but we recommend $2M — especially for trips to the United States where lawsuits can reach several million.

How much does RV insurance cost in Quebec in 2026?

Premiums range from $650 to $3,500 per year: $650-$1,100 for Class B, $750-$1,400 for Class C, $1,100-$1,900 for Class A gas, and $1,800-$3,500 for Class A diesel pusher. Get your exact price in 3 minutes.

Is my RV covered when I go to Florida?

Yes, most RV policies in Quebec cover the continental United States at no additional cost for up to 6 consecutive months. This is ideal for snowbirds in Florida, Arizona, Texas, or California. Beyond 6 months, notify your insurance broker for an endorsement.

What is the difference between replacement value and agreed value?

The replacement value replaces the RV with an equivalent new one in case of total loss (available 3 to 5 years after new purchase). The agreed value sets an amount in advance in the policy (ideal for luxury or used RVs). Without these options, you are paid at market value with depreciation — which can be 30% to 50% less than the purchase price.

Can I insure an RV that I use full-time?

Yes, but you must declare full-time use — the RV becomes your primary residence. The policy will include home protection (similar to tenant insurance): extended personal contents, liability coverage, temporary housing expenses. Without this declaration, any “home” claim may be denied.

Is winter storage covered?

Yes, your motorhome is covered year-round — including winter storage (November to April) against theft, fire, vandalism, falling branches, and ice damage. Declare the exact location (private yard, commercial storage, garage) to avoid any exclusions.

Is a special license required to drive a Class A motorhome?

In Quebec, a Class 5 (car) standard license is sufficient to drive any personal motorhome with a GVWR of less than 4,500 kg. Above that, a Class 4B license may be required. Most Class A gas and standard Class C fall under 4,500 kg — check with the SAAQ.

What to do in case of a claim with the RV?

1) Safety first, call 911 if there are injuries. 2) Fill out a mutual report if there is a collision. 3) Take detailed photos of all interior and exterior damages. 4) Call Assur360 at 1 866 357-4451 to activate RV roadside assistance (towing, lodging) and initiate the claim. More: What to do in case of a claim.

Why trust Assur360 for your motorhome?

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✓100,000+ submissions processed

✓13 partner firms in QC

✓ Class A/B/C RV expertise

✓Bilingual service FR/EN

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Last updated: June 25, 2026