Recreational Vehicle Insurance
IN BRIEF
RV insurance: coverage specific to recreational vehicles
In Quebec, your motorized RV (class A, B or C) requires car insurance + home coverage for the contents (furniture, appliances, camping equipment). For a fifth wheel trailer or caravan, the coverage goes through your car insurer via a trailer guarantee.
Important: RVs older than 10 years can be refused by standard insurers. An independent broker like Assur360 has access to specialized markets that accept older or used vehicles.
Recreational vehicle insurance
in Quebec
Protect your RV at the best price. Compare offers from 9+ insurers with AMF-certified, 100% independent brokers.
Go on an adventure with peace of mind
Are you the outdoor or big city type? At Assur360, we are partners in your passions. We have the products best suited to your needs.
For a walk in Quebec or elsewhere, we will offer you the best solution, because we also like to explore. Start your quote online and be advised by an experienced broker.
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How to insure your RV
Unfortunately, it is quite common for people to not insure their RV towed by a towing vehicle as we do with a car. However, the right insurance is essential to protect your investment.
Why insure your RV?
RV insurance protects you against accidents, theft, vandalism , and weather. It also covers your personal belongings inside the vehicle, emergency costs (accommodation, meals) in case of a breakdown, and offers 24/7 roadside assistance.
How do you find the right coverage between all this wide range of coverage? A task that is not easy without the help of an insurance broker, it must be said!
Insurance program for your trailer or motorhome
New comprehensive RV insurance program. Our packages cover all types of RVs:
- Class A motorhomes – large motorhomes
- Class B motorized vans
- Class C Motorhomes – Compact Motorhomes
- Travel trailers
- Fifth wheels
- Stationary Park Caravans
- Caravans
- Tent trailers
Added values for the RVer
You are one of those fans of getaways in Quebec or long trips in Canada and the United States aboard your RV. We offer two RV insurance packages for RVers for your RV, motorhome, home, fifth wheel and tent trailer.
Example of guarantees and added values
| Protections | RVer traveling in Canada and the United States | RVer traveling mainly in Quebec |
|---|---|---|
| Civil liability Covers bodily injury or property damage caused to others by the insured |
vehicle$2,000,000 | $1,000,000 |
| Comprehensive coverage Deductible per claim except lightning or fire | Included Included | |
| $0 Guarantee No deductible applicable for damage exceeding $5,000, accident without fault outside Quebec, hit-and-run | Included Included | |
| Q.E.F. 2 – Designated Driver Driving of vehicles not designated by the persons designated in the contract | Included | Included |
| Q.E.F. 27 – Up to $75,000 Third party liability for damage to passenger vehicles or motorhomes not owned by the insured | Included | Not available |
| Q.E.F. 34 – Life and Health Insurance Death Benefits and Medical | Expenses Included ($15,000 Death, $2,000 Medical Expenses) | Option ($10,000 Death, $2,000 Medical Expenses) |
| Terms of payment | Traveller | packageFormula Quebec |
|---|---|---|
| Actual value of loss Compensation based on market value at the time of loss | Included Included | |
| Q.E.F. 43 – Value without depreciation Compensation in the event of a total loss, without the purchase price being reduced |
Option(vehicle less than 10 years old) | Option (vehicle less than 5 years old) |
| Special | AmendmentsTraveller | packageFormula Quebec |
|---|---|---|
| Personal belongings Property inside the RV and within the boundaries of the site covered in value |
$10,000 | $5,000 |
| Additional Emergency Fees Meals, Hotel Transportation |
$3,000 | $3,000 |
| Repatriation of the towed vehicle In the event of a total loss of the vehicle (does not apply to motorhomes) |
$8,000Option | |
| Stay outside Quebec No limitation up to 180 days | Included | Included |
| Roadside Emergency Service Towing, fuel, tire, boost. Breakdown service up to 3 hours at the nearest garage (250 km). 24/7 in North America. | Includes | Includes |
| Elite Support 24/7 |
Health, Legal Travel AssistanceIncluded | Included |
| 48 hours of free travel insurance Medical expenses when travelling outside Quebec | Included | Included |
* Example of protection. Coverage can be changed by insurers at any time. Consult a broker for the exact information.
How to get a discount on your RV insurance premium
- FQCC member : 20% discount on your RV insurance premium
- FQCC Driving Course : 5% Extra Discount
- Seasonal camper renting a site and member of Camping Quebec
- Bundle your insurance RV, car and home with the same insurer
- Increase your deductibles to lower your annual premium
- Good driving record : stay safe from tickets
- Recognized anti-theft system : 20% discount on theft coverage
Everything you need to know about RV insurance in Quebec
Additional coverage to vehicle insurance products
Limited liability up to $2,000,000 worldwide for individuals. In addition to civil liability, transported and stored goods can also be insured.
Our RV insurance products cover the property in the vehicle at the time of the loss. Certain types of goods require additional coverage:
Goods transported
Personal goods usually transported by the nomadic customer. They are insured by the “all-risk” protection. Example: laptop, tablet, handbag.
Stored goods
Goods that the nomadic customer temporarily or permanently deposits in a given place. They are also insured by “all-risk” coverage and must be delivered in the province of Quebec. Example: goods left on a campground, in a garage or warehouse.
Note: Your form and contract take precedence over the information provided here.
The basis of recreational vehicle insurance
Many trailer or fifth wheel insurance policies will be offered to you, each with its own properties. All of them will provide you with protection against accidents. This is the basis of RV insurance in Quebec.
Civil liability coverage
Not only is liability coverage useful, but it is also mandatory. You will have no choice but to subscribe to it for at least one million dollars for your trips to Quebec.
For your trips to America, Assur360 advises you to increase the amount of insurance for your motorhome, fifth wheel, trailer and car.
Valuable goods in your RV
If your vehicle usually only has a few electronic devices, this is not the case for your caravan or fifth wheel, which should contain more expensive goods and high-value furniture.
The usefulness of RV insurance will be to protect you against burglaries that can occur during the summer. Some companies offer comprehensive insurance that you may or may not accept, depending on your needs. This is the main difference between traditional car insurance and RV-specific insurance: recreational vehicles benefit from protection for the objects they contain.
Some companies even offer additional protection for furniture and outdoor belongings if your RV is parked all summer.
Camping, Storage Travel
Have you considered camping for the summer?
If you plan to leave your caravan or fifth wheel parked for the whole summer or even the whole year, you can consider different liability guarantees such as the one for long-term residents and the one for short-term holidaymakers.
It’s nice to travel, but…
In the event of a mechanical breakdown or breakdown occurring during your trip, the Trip Interruption Coverage following a mechanical breakdown would be there to support you. This coverage will reimburse you for all your expenses related to accommodations as well as any other details associated with this unforeseen event.
If you plan to store your RV outdoors during the cold season, don’t hesitate to ask about storage covers.
Why choose Assur360 for your RV insurance?
AMF Certified Brokers
All of our brokers are certified by the Autorité des marchés financiers du Québec
Members of the Insurance Chamber
Chambre de l’assurance – a guarantee of professionalism and ethics
100K+ Submissions
More than 100,000 quotes processed by our brokers across Quebec
RV Insurance Anywhere in Quebec
Our brokers serve recreational vehicle owners across Quebec, including Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Drummondville. Wherever you are, get a quote online in minutes.
Discover our other insurance products
Assur360 offers a full range of insurance products to protect all your belongings. Combine your policies to maximize your discounts:
- Car Insurance – Protect your primary vehicle with the best coverage in Quebec.
- Home insurance – Home, condo or apartment, find the ideal coverage.
- Boat insurance – For boating enthusiasts, coverage adapted to your boat.
- Snowmobile Insurance – Drive safely during the winter season.
- Motorcycle Insurance – Complete protection for your motorcycle from spring to fall.
- Business Insurance – Commercial insurance solutions for professionals.
Frequently Asked Questions – Recreational Vehicle Insurance
How much does RV insurance cost in Quebec?
The cost of RV insurance varies depending on several factors: the type of vehicle (motorhome, trailer, fifth wheel), make, model, age of the driver, use of the vehicle and place of residence. In general, RV insurance can cost anywhere from a few hundred to several thousand dollars per year. Use our online comparator to get a personalized price.
What types of recreational vehicles can be insured in Quebec?
In Quebec, you can insure all types of RVs: Class A, B and C motorhomes, travel trailers, fifth wheels, tent trailers, truck trailers and park-based trailers. Each type requires coverage adapted to its use and value.
Why insure your RV?
RV insurance protects you against accidents, theft, vandalism , and weather. It also covers your personal belongings inside the vehicle, emergency costs (accommodation, meals) in case of a breakdown, and offers 24/7 roadside assistance. Many factors will influence the choice of your motorhome or caravan insurance.
Does RV insurance cover travel to the United States?
Yes, our RV insurance packages include coverage for travel within Canada and the United States. The “travelling caravanner” formula offers a civil liability of $2,000,000, a stay outside Quebec for up to 180 days, the repatriation of the towed vehicle and 48 hours of free travel insurance.
What is the difference between car insurance and RV insurance?
RV insurance offers additional protections: coverage for personal belongings (up to $10,000), additional emergency costs (accommodation, meals in case of breakdown), repatriation of the towed vehicle, and 24/7 Elite assistance service . Unlike standard car insurance, it also covers the belongings stored in the RV.
Do I need to insure a parked RV for the summer?
Absolutely. Even if your caravan or fifth wheel remains parked all summer on a campground, it is still exposed to the risks of theft, vandalism, fire and bad weather. Insurance covers damage to your RV, liability if a visitor is injured, and property stored outdoors.
How do I get the best price for my RV insurance?
There are several strategies you can use to reduce your premium:
- Become a member of the FQCC : up to 20% off
- Take the FQCC driving course : 5% extra
- Combine your insurance (car + home + RV) with the same insurer
- Install a recognized anti-theft system : 20% discount on theft coverage
- Increase your deductibles to lower your annual premium
- Compare offers using our online comparator
What does roadside assistance included with RV insurance cover?
The roadside emergency service included in our RV packages covers: towing, fuel delivery, tire change, battery boost, and up to 3 hours of mechanical breakdown at the nearest garage (up to 250 km). This service is available 24/7 anywhere in North America. The Elite Assistance Service also offers health, legal and travel assistance.
How long does it take to get an RV insurance quote?
Getting an RV insurance quote online is quick and easy and takes less than 4 minutes. After filling out the form, an AMF-certified broker will contact you with several suitable options. Start your free quote or call 1-866-357-4451.
Does my RV insurance cover me for U.S. roads?
Don’t overlook towing expense insurance for your trips to the United States. Whether it’s a dry breakdown, a mechanical breakdown, a flat tire or a need to tow, a roadside assistance service is available 24 hours a day, 7 days a week throughout America and Canada.
Protect your RV at the best price
Our AMF-certified brokers compare several insurers to find you the best coverage for your recreational vehicle.