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Thor 2026 RV Insurance — Price starting at $740/year

Do you own a Thor RV? Compare the best protections in less than 3 minutes. Assur360 is an independent comparator that puts you in touch with AMF-certified partner firms. The brokers of our partner firms compare more than 9 specialized RV insurers to find the best protection at the best price, at no cost.

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Thor VR Insurance 2026

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Essential Covers for a Thor RV

Replacement cost 24-60 months

On new Thors, essential to recover the purchase price in the event of a total loss. Avoids the 20% discount in the first year.

Liability $2M+

Minimum $2 million in Quebec, ideally $5 million for motorized RVs. Protects against damage to others in the event of an accident.

Fire, theft, vandalism

Crucial for a Thor stored in winter. Covers fire (stove short circuit), theft and vandalism.

Personal Effects $5-25k

RV contents: dishes, electronics, camping equipment, bicycles. Check the limit and exclusions.

24/7 Roadside Assistance

Specialized RV towing (Thor weighs 8,000-15,000 lbs), emergency labor, temporary accommodation.

Tire Replacement Warranty

RV tires cost $250-500/unit. Puncture cover, bursting.

Thor Specifics

Brand Profile

The largest VR group in the world (Thor Industries). Class A/C motorhomes, caravans. Models: Axis, Vegas, Hurricane, Quantum, Four Winds.

Popular models in Quebec

The most insured Thor models in Quebec are in the mid-range and high-end segments. Recognized dealers often accompany the registration and initial insurance.

Residual Value

Thor RVs generally hold their value well over 10 years with regular maintenance. Importance of a replacement cost or agreed cost guarantee.

Frequently asked questions

How much does Thor RV insurance cost in Quebec?
Annual premiums for a Thor RV range from $660 to $1,800 depending on the model, year, driving record and type of use (seasonal or annual). A new RV generally costs more to insure (high value), but the discounts are greater if you combine it with your auto/home insurance.
What is the best cover for a Thor?
The replacement cost (24 or 60 months) is crucial for a newer Thor — you get the purchase price back in the event of a total loss. Then, fire/theft/vandalism coverage + civil liability minimum $2 million. Add personal effects protection and 24/7 roadside assistance.
Is Thor more expensive to insure than other brands?
Thor RVs have insurance costs comparable to equivalent brands (Forest River, Jayco). What makes the price vary: the value of the vehicle, the weight (>10,000 lbs = higher category), the year and the options. A used Thor can cost less than an equivalent new Coachmen.
Does my Thor RV need to be insured year-round or only seasonally?
In Quebec, your RV must be insured 12 months a year, even if it is stored. Civil liability and fire/vandalism cover remain in force. Some insurers offer a winterization discount (-30 to -50% of the collision premium) during the storage period.
Are replacement parts for a Thor covered?
Yes, the parts and accessories integrated into the RV (stove, fridge, generator, blind, TV antenna) are covered by the all-risk warranty. For personal belongings inside (dishes, electronics, clothing, fishing equipment), add personal effects coverage (limit $5,000 to $25,000).
Can I use my Thor RV in the US?
Yes, most RV policies in Quebec cover travel within the United States and Canada. Check the maximum duration (often 30 to 60 consecutive days). For longer stays (snowbirds in Florida), a snowbird extension may be necessary.

Why choose Assur360

  • ✓ Independent comparator : we compare more than 9 insurance companies for you
  • ✓ AMF and Chambre de l’assurance certified partner firms
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