Quelle est la différence entre un motorisé classe A, B et C ?

La classe A est bâtie sur un châssis commercial (le plus grand et luxueux, 30 à 45 pi). La classe B est un fourgon aménagé (van compact 17-22 pi). La classe C est reconnaissable à sa capucine au-dessus de la cabine du conducteur (22-33 pi).

Combien coûte l'assurance d'un motorisé au Québec ?

Pour un usage saisonnier : de 750 $/an pour un classe B à 3 800 $/an pour un super C haut de gamme.

Mon motorisé est-il couvert à l'extérieur du Québec ?

Oui, la plupart des polices couvrent les déplacements au Canada et aux États-Unis. Pour des séjours prolongés aux É.-U. (plus de 30 jours), une extension est souvent nécessaire.

Est-ce que le contenu du motorisé est couvert ?

Oui. La plupart des polices VR incluent une protection du contenu personnel (5 000 $ à 15 000 $ de base), avec possibilité d'augmenter cette limite.

Dois-je assurer mon motorisé s'il est remisé l'hiver ?

Oui. Même remisé, votre motorisé reste exposé au vol, feu, vandalisme et dommages d'eau. Une police remisage hivernal à prime réduite est disponible.

Quelle couverture choisir si j'habite à temps plein dans mon VR ?

Une police résidence principale VR est requise. Elle inclut responsabilité civile élargie, contenu personnel étendu, frais de subsistance. La prime est 30 à 60 % plus élevée qu'une police saisonnière.

L'assurance motorisé est-elle obligatoire au Québec ?

Oui. La Loi sur l'assurance automobile du Québec exige une responsabilité civile minimale de 50 000 $ pour tout véhicule motorisé circulant sur route publique.

Comment réduire ma prime d'assurance motorisé ?

Regrouper vos polices, augmenter la franchise, installer un traceur GPS antivol, suivre un cours de conduite VR reconnu, remiser en entrepôt sécurisé peuvent réduire la prime de 15 à 35 %.

RV Insurance Quebec 2026 | Class A, B, B+, C, Super C

Do you own a motorized RV, a motorhome or a class A, B, B+, C or super C motorhome ? Assur360 provides you with AMF-certified brokers who compare more than 9 insurers to find the best protection at the best price — in less than 3 minutes, free of charge.

Motorized RV on Quebec Roads — Assur360 Insurance

IN BRIEF

RV insurance in Quebec: complete season + storage coverage

In Quebec, your RV must be insured 12 months a year, even if it’s in storage. Civil liability remains mandatory and fire/vandalism cover protects your investment during the winter.

Note: new RVs lose up to 20% of their value in the first year. A replacement cost or replacement value guarantee avoids the discount in the event of a total loss.

FREE QUOTE 2026

RV Insurance in Quebec

Compare 9+ insurers specializing in motorized recreational vehicles. Save up to 40% on your premium.

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Insurers Compared

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Why insure your motorized RV with Assur360

A motorhome is a major investment — often between $80,000 and $500,000. The right broker will provide you with coverage that corresponds to your actual use (seasonal, quarterly or principal residence), while respecting the requirements of the SAAQ and the AMF.

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Independent brokers

Our brokers work for you, not for a single insurer. They shop with 30+ companies to get the best price.

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Expertise VR

We know the particularities of motorhomes: contents, fixed equipment, off-season use and winter storage.

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Real savings

When comparing insurers, our customers save an average of 40% on their premium compared to an automatic renewal.

Types of motorized RVs covered

Our brokers insure all classes of motorhomes sold in Quebec, from campervans to 45-foot luxury motorhomes.

Class A motorized

The largest and most luxurious (30 to 45 feet). Built on a commercial chassis. Typical value: $150,000 to $500,000+.

Class B motorhome (campervan)

Converted van (Ford Transit, Mercedes Sprinter, Ram ProMaster). Compact, 17 to 22 feet. Perfect for couples.

Class B+ motorized

Hybrid between B and C classes, with a raised roof but without overcab. Length from 22 to 25 feet.

Class C motorized

Recognizable by its overcab above the cab. Built on truck chassis. 22 to 33 feet.

Super C motorized

High-end C-Class on heavy-duty diesel chassis. High towing power, 35 to 45 feet.

Motorhome / motorhome

A general term for any motorized RV with a built-in living area. Includes van life and DIY conversions.

The 4 steps to get your quote

Fill out the online form

3 minutes: motorhome class, year, value, use (seasonal or annual) and your postal code.

An AMF broker contacts you

Within 24 business hours, a specialized RV broker will review your file and prepare your analysis.

Compare Quotes

The broker shops with 9+ insurers and presents you with the 2-3 best options in complete transparency.

Underwriting and immediate certification

Electronic signature, payment, and you receive your certificate of insurance in the following minutes.

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Tip: winter storage and anti-theft

Parking your RV in a secure warehouse or at a specialized storage facility between November and April can reduce your premium by 10 to 20%. Installing an approved anti-theft system (GPS tracker, wheel shoe) entitles you to an additional discount with most insurers.

2026 Rates — RV Insurance in Quebec

Here is an indicative range of annual premiums for seasonal use in Quebec, driver 40+ years old with a good record.

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Class Typical	Value	Annual Premium*	Usage
Class A	$150,000 – $500,000	1,400 – $3,200Seasonal
Class B	$80,000 – $180,000	750 – $1,500Seasonal
Class B+	$100,000 – $200,000	850 – $1,700Seasonal
Class C	$100,000 – $220,000	950 – $1,900Seasonal
Super C	$250,000 – $500,000	1,800 – $3,800Seasonal
RV main residence	All classes	+ 30 to 60 %	Annual

*Indicative rates 2026. Get your exact price in 3 minutes.

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RV Insurance Anywhere in Quebec

Assur360 serves owners of motorhomes and motorhomes in Montreal, Quebec City, Sherbrooke, Gatineau, Laval, Trois-Rivières, Saguenay and Thetford Mines, as well as in all tourist regions of Quebec (Charlevoix, Gaspésie, Bas-Saint-Laurent, Laurentians, Eastern Townships, Abitibi).

Frequently Asked Questions — RV Insurance

What is the difference between a class A, B and C motorhome?

The A-Class is built on a commercial chassis (the largest and most luxurious, 30 to 45 feet). Class B is a campervan (compact van 17-22 ft). The C-Class is recognizable by its overcab above the driver’s cab (22-33 ft).

How much does it cost to insure a motorhome in Quebec?

For seasonal use: from $750/year for a Class B to $3,800/year for a top-of-the-line Super C. Compare the exact premiums via our free quote.

Is my motorhome covered outside Quebec?

Yes, most policies cover travel within Canada and the United States. For extended stays in the U.S. (snowbird, more than 30 days), an extension is often required. Your Assur360 broker will confirm the territorial boundaries for you.

Is the contents (crockery, furniture, electronics) covered?

Yes. Most VR policies include protection for personal content ($5,000 to $15,000 basic), with the option to increase this limit for valuable equipment (cameras, bikes, barbecue, etc.).

Do I have to insure my motorhome if it is stored in winter?

Yes. Even when stored, your motorhome remains exposed to theft, fire, vandalism and water damage. Some insurers offer a discounted winter storage policy (without road coverage).

What coverage should I choose if I live full-time in my RV?

A principal residence RV policy is required. It includes home coverage: extended liability, extended personal content ($30,000+), living expenses and frost coverage. The premium is 30 to 60% higher than a seasonal policy.

Is motor insurance mandatory in Quebec?

Yes. Quebec’s Automobile Insurance Act requires a minimum civil liability of $50,000 for any motor vehicle operating on public roads. In fact, our brokers recommend $2,000,000 in civil liability for an RV.

Can I rent my motorhome to third parties (Outdoorsy, RVezy)?

Commercial leasing requires a separate rental insurance policy . Platforms like RVezy or Outdoorsy often provide basic coverage during the rental, but your personal policy needs to be adapted. Talk to your broker.

How can I reduce my motor insurance premium?

Bundling your policies (car + home + RV), increasing the deductible ($500 to $1,000), installing an anti-theft GPS tracker, taking a recognized RV driving course, and storing them in a secure warehouse can reduce your premium by 15 to 35%.

Why trust Assur360?

✓AMF certified firm

✓ChAD Member

✓More than 100,000 submissions

✓Network of 13 brokerage firms

✓Independent brokerage

✓100% Quebec service in French