RV Motor Insurance in Quebec — Free Quote 2026
Do you own a recreational vehicle (RV), a class A, B or C motorhome, a trailer, a semi-trailer or a motorhome? Assur360 connects you with AMF-certified brokers who compare more than 30 insurers to get you the best protection at the best price — for free, in less than 3 minutes.
Why insure your RV with an independent broker?
Unlike direct insurers, an independent broker like Assur360 works for you, not for a single insurer. It compares offers from dozens of companies to find the right coverage for your RV type, usage, and budget.
- Access to 30+ RV insurers in Quebec
- 100% independent — no conflict of interest
- RV Expertise — Seasonal Coverage, Storage, Year-Round Use
- Free service — the broker is paid by the insurer, not by you
Types of Insured Recreational Vehicles
Assur360 covers all types of RVs:
- Class A motorhome — large luxury coach
- Class B motorhome — van life
- Class C motorhome — truck-mounted motorhome
- Trailer— 5th wheel, light trailer
- Park trailer — set up for seasonal camping
- Tent trailer — folding trailer
- Imported motorhome — specialized coverage available
Essential Covers for Your RV
Civil liability (mandatory)
Covers damage you may cause to others or their property with your RV. The recommended minimum limit in Quebec is $2,000,000.
RV Damage (Collision All-Peril)
Protects your vehicle in the event of an accident, theft, vandalism, hail or storm damage. For high-value RVs, replacement cost is highly recommended.
RV Content
Your personal belongings inside the RV (clothing, electronics, outdoor equipment) can be covered separately or by supplementing your home policy.
Roadside Assistance Towing
Essential for an RV. Towing a motorhome can cost several hundred dollars. This endorsement is inexpensive and very valuable when travelling.
Winter storage
In Quebec, most owners put their RVs away from October to May. Reduced storage coverage protects you against theft, water damage and claims during the cold season at a great rate.
Average RV Insurance Price in Quebec in 2026
Rewards vary depending on the type of RV, value, usage and your history. For information purposes:
| RV Type | Estimated annual premium |
|---|---|
| Towed Trailer ($20,000 value) | $400 – $700/year |
| Class C Motorhome ($80,000 value) | $1,200 – $2,000/year |
| Class A motorhome ($200,000 value) | $2,500 – $4,500/year |
| Park trailer | $300 – $500/year |
These estimates are indicative. Get your personalized quote for free.
Factors that influence your premium
- Type and value of RV — motorized vs. trailer, new vs. used
- Use — principal residence, occasional trips, storage
- Storage area — closed garage, fenced lot, open lot
- Driving history — previous accidents and claims
- Annual mileage — local use in Quebec vs. travel in the United States
- Deductibles chosen — the higher the deductible, the lower the premium
FAQ — RV and motorhome insurance in Quebec
Is my RV covered by my car insurance?
Non. Un VR motorisé (classe A, B ou C) est un véhicule distinct qui nécessite sa propre police d’assurance auto. Une roulotte tractée n’est pas couverte pour les dommages par votre assurance auto — elle a besoin d’un avenant ou d’une police séparée.
Is my RV covered by my home insurance?
Votre assurance habitation peut couvrir partiellement le contenu de votre VR (effets personnels), mais elle ne couvre généralement pas les dommages au véhicule lui-même ni la responsabilité civile. Une police VR dédiée est nécessaire.
Do I have to insure my RV in winter while I’m in storage?
Oui. Même remisé, votre VR est exposé au vol, au vandalisme et aux dégâts causés par la neige ou l’eau. Une couverture de remisage réduite (souvent 50 à 70 % de la prime estivale) est fortement recommandée.
Is my RV covered if I travel to the U.S.?
La couverture de responsabilité civile s’étend généralement aux États-Unis et au Canada. Vérifiez les limites avec votre courtier — certaines polices exigent un avenant pour la couverture aux États-Unis sur de longues périodes.
What is the difference between RV insurance and car insurance?
L’assurance VR intègre des protections spécifiques aux véhicules récréatifs : couverture du contenu habitation, remisage saisonnier, assistance en camping, protection contre les pannes mécaniques optionnelle. L’assurance auto standard ne prévoit pas ces protections.
How long does it take to get a quote for my RV?
Via Assur360, vous remplissez un formulaire en 3 minutes et un courtier certifié AMF vous contacte dans les 15 minutes ouvrables pour vous présenter les meilleures options. Le service est 100% gratuit et sans obligation.
Get your RV insurance quote for free
Assur360 is an AMF-certified brokerage firm (number 3003429353) that compares more than 30 insurers to find you the best coverage for your RV in Quebec. The service is 100% free and without obligation.