{"id":15528,"date":"2023-12-28T14:08:35","date_gmt":"2023-12-28T19:08:35","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/non-categorise\/the-importance-of-rv-insurance\/"},"modified":"2026-04-21T14:39:16","modified_gmt":"2026-04-21T18:39:16","slug":"the-importance-of-rv-insurance","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/the-importance-of-rv-insurance\/","title":{"rendered":"The importance of RV insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"telephone\":\"+1-866-357-4451\",\"logo\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"address\":{\"@type\":\"PostalAddress\",\"addressLocality\":\"Thetford Mines\",\"addressRegion\":\"QC\",\"addressCountry\":\"CA\"},\"areaServed\":\"Qu\u00e9bec\",\"priceRange\":\"$$\",\"description\":\"Courtier d'assurance certifi\u00e9 AMF au Qu\u00e9bec, sp\u00e9cialis\u00e9 en assurance v\u00e9hicule r\u00e9cr\u00e9atif (VR, motoris\u00e9, caravane, roulotte, 5e roue).\"}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance\/recreatif\/importance-assurance-vr\/#article\",\"headline\":\"L'importance de l'assurance VR au Qu\u00e9bec\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance\/recreatif\/importance-assurance-vr\/\",\"datePublished\":\"2023-12-28T14:08:35\",\"dateModified\":\"2026-04-21T12:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec, propri\u00e9taire d'Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"width\":200,\"height\":60}},\"inLanguage\":\"fr-CA\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"description\":\"Tout savoir sur l'assurance v\u00e9hicule r\u00e9cr\u00e9atif au Qu\u00e9bec : couvertures obligatoires et optionnelles, types de VR (motoris\u00e9 A\/B\/C, 5e roue, caravane), prix, hivernage et voyage aux USA.\"}\n<\/script>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.7;\">Votre <strong>motoris\u00e9 ou caravane<\/strong> est bien plus qu&#8217;un simple v\u00e9hicule : c&#8217;est votre maison mobile, votre libert\u00e9, votre investissement. Une <strong>assurance v\u00e9hicule r\u00e9cr\u00e9atif (VR)<\/strong> adapt\u00e9e aux r\u00e9alit\u00e9s qu\u00e9b\u00e9coises prot\u00e8ge votre bien, votre responsabilit\u00e9 civile et votre famille, que vous campiez \u00e0 la <a href=\"https:\/\/www.sepaq.com\/pq\/parcs-nationaux.dot\" rel=\"noopener\">S\u00c9PAQ<\/a>, au <a href=\"https:\/\/parcs.canada.ca\/\" rel=\"noopener\">Parcs Canada<\/a> ou sur la route vers la Floride. Assur360, cabinet certifi\u00e9 <a href=\"https:\/\/lautorite.qc.ca\/\" rel=\"noopener\">AMF<\/a>, compare plus de 30 assureurs pour d\u00e9nicher la meilleure couverture VR au meilleur prix. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vr-en-ligne\/\">Obtenez votre soumission VR en 3 minutes<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">ASSURANCE V\u00c9HICULE R\u00c9CR\u00c9ATIF QU\u00c9BEC<\/p>\n  <h2 style=\"color:#fff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Protegez-votre-VR-votre-liberte-et-votre-investissement\"><\/span>Prot\u00e9gez votre VR, votre libert\u00e9 et votre investissement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Comparez 30+ assureurs sp\u00e9cialis\u00e9s en VR, motoris\u00e9s, caravanes et 5e roues. \u00c9conomisez jusqu&#8217;\u00e0 25 % sur votre prime.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vr-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Obtenir ma soumission VR<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">30+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">RV insurers compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Quick Quote<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">25 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Avg savings.<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">AMF Brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-is-RV-insurance-in-Quebec\"><\/span>What is RV insurance in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>RV (<\/strong>recreational vehicle) insurance is a specialized policy that protects your motorhome or towed caravan against <strong>property damage, theft, fire, bad weather<\/strong> and engages your <strong>civil liability<\/strong> in the event of an accident. In Quebec, the <a href=\"https:\/\/saaq.gouv.qc.ca\/\" rel=\"noopener\">SAAQ<\/a> imposes a minimum of $50,000 in civil liability for all motor vehicles on the road, including Class A, B and C motorhomes. However, most Quebecers opt for a limit of $1 million to $2 million given the high value of an RV (often more than $100,000) and the risks associated with long-distance driving. <\/p>\n\n<p class=\"wp-block-paragraph\">Unlike <a href=\"\/assurance-automobile\/\">standard car insurance<\/a>, RV insurance takes into account the dual use of your vehicle: <strong>means of transportation AND temporary home<\/strong>. It therefore covers both mechanical components (engine, transmission, tires) and residential equipment (stove, refrigerator, bathroom, awning, solar panels, furniture). It&#8217;s this versatility that distinguishes a true VR policy from a simple car endorsement.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-4-main-categories-of-recreational-vehicles\"><\/span>The 4 main categories of recreational vehicles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Before shopping for RV insurance, you need to understand the 4 main families of recreational vehicles, as <strong>each requires a different policy<\/strong>.<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude8c<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Class A motorized<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Large converted bus, 8 to 14 metres, value $100,000 to $500,000+. Complex driving, higher premium, often insured at an agreed value. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude90<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Class B motorhome (van)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Campervan (Ford Transit, Sprinter, Promaster). 5 to 7 metres, $60,000 to $180,000. Ideal for couples and nomadic travellers.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude8d<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Class C motorized<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Truck cab with overcab sleeper above the driver. 6 to 10 metres, $70,000 to $200,000. The most popular in Quebec.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udefb<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">5th wheel caravan<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Trailer towed by pick-up equipped with a floor hitch. 8 to 13 metres, $40,000 to $150,000. Very spacious, ideal for long term trips.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfd5\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Conventional trailer<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Caravan towed by ball hitch. 5 to 11 metres, $15,000 to $80,000. See <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/trailer-insurance-2\/\">trailer insurance<\/a>.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u26fa<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Hybrid tent trailer<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Pop-up with folding soft walls. 3 to 6 metres, $10,000 to $30,000. Lightweight, entry-level, simple coverage.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mandatory-vs-optional-RV-insurance-coverage\"><\/span>Mandatory vs. optional RV insurance coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">A good <strong>recreational vehicle insurance<\/strong> policy is built in two steps: the <strong>mandatory coverage imposed by Quebec law<\/strong>, and the <strong>optional endorsements<\/strong> that your Assur360 broker will recommend to you according to your usage profile.<\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#fff;\"><th style=\"padding:14px 16px;text-align:left;\">Mandatory or optional<\/th> <th style=\"padding:14px 16px;text-align:left;\">coverage<\/th><th style=\"padding:14px 16px;text-align:left;\">What it covers<\/th><\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Mandatory Civil<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>Liability<\/strong> (motorized)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Damage caused to others (minimum $50,000, recommended $1-2 million)<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Collision  Rollover<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Optional (highly recommended)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Accident repair or replacement<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">All perils<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Optional<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Theft, fire, vandalism, hail, falling trees, animals<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Personal Effects<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Endorsement<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Clothing, Electronics, Camping Equipment ($3,000 to $20,000)<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Agreed Value<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Endorsement<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Agreed fixed amount repaid in the event of a total loss (without impairment)<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">RV Roadside Assistance<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Endorsement<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">RV Specialized Towing (up to 500 km), Roadside Assistance, Temporary Accommodation<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Hotel<\/td> and meal <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">attendant<\/td> when <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">your RV is immobilized while travelling<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Extended<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">coverage during a stay in the United States (Florida, Arizona)<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Winterization Protection<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Included \/ Endorsement<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Damage during storage (rodents, frost, vandalism, roof collapse)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-buy-RV-insurance-in-5-steps\"><\/span>How to buy RV insurance in 5 steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Identifiez votre type de VR<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Motoris\u00e9 classe A, B ou C, 5e roue, caravane classique, hybride ou tente-caravane. Notez la marque, le mod\u00e8le, l&#8217;ann\u00e9e, la longueur et la valeur d&#8217;achat.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">D\u00e9finissez votre usage<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Loisir occasionnel (quelques week-ends), saisonnier (juin \u00e0 septembre), \u00e0 temps plein (r\u00e9sidence principale) ou location Airbnb\/Outdoorsy ? L&#8217;usage modifie fortement la prime.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Remplissez la soumission en ligne<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">3 minutes chrono sur <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vr-en-ligne\/\">notre formulaire s\u00e9curis\u00e9<\/a>. Infos v\u00e9hicule, conducteur principal, lieu de remisage et historique de r\u00e9clamations.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Comparez les offres re\u00e7ues<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Un courtier Assur360 vous pr\u00e9sente les 3 meilleures options de notre r\u00e9seau de 30+ assureurs. Vous choisissez en toute transparence, sans frais cach\u00e9s.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Signez et recevez vos documents<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Signature \u00e9lectronique, carte d&#8217;assurance envoy\u00e9e par courriel dans l&#8217;heure, paiement mensuel ou annuel selon votre pr\u00e9f\u00e9rence.<\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">The broker&#8217;s advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">If your RV is worth more than <strong style=\"color:#fff;\">$75,000<\/strong>, always ask for the <strong style=\"color:#fff;\">&#8220;agreed value&#8221;<\/strong> endorsement. In the event of a total loss, the insurer will give you the amount agreed in advance, without applying an annual depreciation (which can be up to 15% per year on a new motorhome). <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-RV-insurance-cost-in-Quebec-in-2026\"><\/span>How much does RV insurance cost in Quebec in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Premiums vary greatly depending on the type of vehicle, its age, its value, the use and the driver&#8217;s profile. Here are the <strong>price ranges observed in Quebec in 2026<\/strong> by Assur360 with its network of partner insurers. <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#fff;\"><th style=\"padding:14px 16px;text-align:left;\">Type of RV<\/th><th style=\"padding:14px 16px;text-align:left;\">Average Value<\/th><th style=\"padding:14px 16px;text-align:left;\">Annual Premium<\/th><th style=\"padding:14px 16px;text-align:left;\">Monthly Premium<\/th><\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Class A Motorhome<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$200,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>1,400 to $2,800<\/strong><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$115 to $235<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Class B motorhome (van)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$110,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>900 to $1,600<\/strong><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$75 to $135<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Class C Motorhome<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$130,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>1,000 to $1,900<\/strong><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$85 to $160<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">5th Wheel Caravan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$80,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>500 to $1,100<\/strong><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$42 to $92<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Classic Trailer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$35,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>300 to $700<\/strong><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$25 to $58<\/td><\/tr>\n      <tr><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Tent Trailer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$18,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\"><strong>180 to $380<\/strong><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$15 to $32<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><em>Source: Assur360 estimates based on 30+ partner insurers, driver profile 35-60 years old without claims, seasonal use, stored in a secure shelter. The actual numbers depend on your personal record. <\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Statistics-to-know-about-RVs-in-Quebec\"><\/span>Statistics to know about RVs in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The RV market has been booming in Quebec since the pandemic. Here are some figures that explain why good <strong>recreational vehicle insurance<\/strong> is becoming essential. <\/p>\n\n<ul class=\"wp-block-list\">\n  <li>More than <strong>200,000 recreational vehicles<\/strong> are registered in Quebec according to the <a href=\"https:\/\/saaq.gouv.qc.ca\/\" rel=\"noopener\">SAAQ<\/a>.<\/li>\n  <li><strong>Sales of new motorhomes<\/strong> increased by more than 40% between 2020 and 2024.<\/li>\n  <li>The theft of parked RVs accounts for <strong>nearly 6% of claims<\/strong>, often in winter in unsupervised storage.<\/li>\n  <li><strong>Hail damage and falling trees<\/strong> are the 2nd leading cause of claims, behind collisions.<\/li>\n  <li>More than <strong>850 campgrounds<\/strong> are listed in Quebec, in addition to the <a href=\"https:\/\/www.sepaq.com\/\" rel=\"noopener\">S\u00c9PAQ<\/a> parks and wildlife reserves.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RV-winterization-beware-of-these-risks\"><\/span>RV winterization: beware of these risks<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">From November to April, your RV sleeps. But the victims do not sleep. <strong>Rodents in the wiring, infiltration through the roof, frozen pipes, collapsing under the snow, vandalism<\/strong>: damage that occurred during storage accounts for about 1 in 5 claims. Before storing your vehicle, validate with your Assur360 broker that your policy retains <strong>all risk and theft coverage during the winter.<\/strong>  <\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Mistakes to avoid with your RV insurance<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0 0 8px;line-height:1.6;\"><strong>Never declare &#8220;occasional recreational&#8221; use<\/strong> if you live in your RV year-round: in the event of a claim, the insurer could deny the claim for misrepresentation.<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0 0 8px;line-height:1.6;\"><strong>Don&#8217;t count on your car policy<\/strong> to cover a trailer detached from the towing vehicle: it is almost always excluded.<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\"><strong>Do not go to the USA without validating your territorial coverage<\/strong>. Some policies limit medical expenses or liability south of the border. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Traveling-to-the-USA-with-your-RV-essential-coverage\"><\/span>Traveling to the USA with your RV: essential coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Thousands of <strong>Quebec snowbirds<\/strong> migrate every year to Florida, Arizona or Texas with their RVs. Your Quebec RV insurance usually covers <strong>stays in the United States for up to 30 consecutive days<\/strong>. Beyond that, an <strong>&#8220;extended stay&#8221; endorsement<\/strong> must be added. Also remember to:   <\/p>\n\n<ul class=\"wp-block-list\">\n  <li>Increase your civil liability to <strong>a minimum of $2 million<\/strong> (U.S. lawsuits are very costly).<\/li>\n  <li>Purchase separate <a href=\"https:\/\/www.assur360.ca\/en\/quebec-travel-insurance-2026-medical-cancellation-and-repatriation\/\">travel medical insurance<\/a> ( <a href=\"https:\/\/www.ramq.gouv.qc.ca\/\" rel=\"noopener\">RAMQ<\/a> covers almost nothing abroad).<\/li>\n  <li>Check <strong>roadside assistance coverage<\/strong> in the U.S.<\/li>\n  <li>Keep the bilingual proof of insurance (&#8220;ID Card&#8221;) on board.<\/li>\n<\/ul>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">GAGNEZ DU TEMPS<\/p>\n  <h3 style=\"color:#fff;font-size:26px;margin:0 0 16px;\">Votre soumission VR personnalis\u00e9e en 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">D\u00e9crivez votre VR, votre usage, votre remisage. Nos courtiers comparent 30+ assureurs et reviennent avec le meilleur prix.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vr-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Obtenir ma soumission VR<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RV-insurance-everywhere-in-Quebec\"><\/span>RV insurance everywhere in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Our brokers specializing in <strong>recreational vehicle insurance<\/strong> serve all of Quebec, from the largest urban centers to popular camping regions. Whether you&#8217;re starting from a residential area or a lakeside cottage, we&#8217;ll find the right coverage for your destination. <\/p>\n\n<p class=\"wp-block-paragraph\">Assur360 finds your RV insurance in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Terrebonne<\/strong>, <strong>Saint-Jean-sur-Richelieu<\/strong>, <strong>Drummondville<\/strong>, <strong>Rimouski<\/strong>, <strong>Rouyn-Noranda<\/strong>, <strong>Thetford Mines<\/strong> and everywhere else in the province. We know the roads of the <strong>Gasp\u00e9 Peninsula<\/strong>, the campgrounds <strong>of the Mauricie National Park<\/strong>, the rest areas of the <strong>North Shore<\/strong> and the popular spots of <strong>Charlevoix<\/strong>, <strong>the Eastern Townships<\/strong> and the <strong>Laurentians<\/strong>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deepen-your-RV-knowledge\"><\/span>Deepen your RV knowledge<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/recreational-vehicle-insurance-3\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">RV Insurance Main Page<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">All Class A, B, C motorized covers and towed trailers.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/trailer-insurance-2\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Trailer insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Specificities for towed caravans, 5th wheels, tent caravans.<\/p>\n  <\/a>\n  <a href=\"\/assurance-automobile\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Your towing vehicle must be well protected to tow your caravan.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/motorcycle-insurance-online-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Motorcycle insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">A motorist with a passion for the outdoors? We also insure your motorcycle. <\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQ-%E2%80%94-Recreational-Vehicle-Insurance-in-Quebec\"><\/span>FAQ \u2014 Recreational Vehicle Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">O\u00f9 puis-je acheter une assurance pour v\u00e9hicule r\u00e9cr\u00e9atif au Qu\u00e9bec ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Assur360 compare plus de 30 assureurs sp\u00e9cialis\u00e9s en VR, motoris\u00e9s, caravanes et 5e roues. Remplissez notre <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vr-en-ligne\/\">soumission en ligne<\/a> en 3 minutes et un courtier certifi\u00e9 <a href=\"https:\/\/lautorite.qc.ca\/\" rel=\"noopener\">AMF<\/a> vous rappelle avec les meilleurs prix, sans frais.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quel est le prix moyen d&#8217;une assurance VR au Qu\u00e9bec en 2026 ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">La prime annuelle varie de 300 $ pour une tente-caravane \u00e0 plus de 2 800 $ pour un gros motoris\u00e9 classe A. En moyenne, un motoris\u00e9 classe C qu\u00e9b\u00e9cois co\u00fbte entre 1 000 $ et 1 900 $ par ann\u00e9e pour une couverture tous risques avec valeur agr\u00e9\u00e9e.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">L&#8217;assurance VR couvre-t-elle mes effets personnels ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Oui, la plupart des polices VR offrent une couverture des effets personnels (v\u00eatements, \u00e9lectronique, v\u00e9los, mat\u00e9riel de camping) g\u00e9n\u00e9ralement entre 3 000 $ et 20 000 $. Si vos biens d\u00e9passent cette limite, demandez \u00e0 votre courtier Assur360 d&#8217;ajouter un avenant sp\u00e9cifique.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Puis-je conduire mon VR aux \u00c9tats-Unis avec mon assurance qu\u00e9b\u00e9coise ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Oui, votre police couvre normalement les s\u00e9jours aux USA jusqu&#8217;\u00e0 30 jours cons\u00e9cutifs. Au-del\u00e0 (hiver complet en Floride par exemple), un avenant \u00ab s\u00e9jour prolong\u00e9 USA \u00bb est requis. Pensez aussi \u00e0 souscrire une <a href=\"https:\/\/www.assur360.ca\/assurance-voyage\/\">assurance voyage m\u00e9dicale<\/a> distincte, car la <a href=\"https:\/\/www.ramq.gouv.qc.ca\/\" rel=\"noopener\">RAMQ<\/a> rembourse tr\u00e8s peu \u00e0 l&#8217;\u00e9tranger.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Mon VR est-il couvert pendant l&#8217;hivernage ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Oui, \u00e0 condition que votre police conserve les protections tous risques et vol durant la p\u00e9riode de remisage. Certains assureurs exigent un entreposage dans un site cl\u00f4tur\u00e9, un abri ou chez un professionnel. Validez ces d\u00e9tails avec votre courtier Assur360 avant le 1er novembre.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quelle est la diff\u00e9rence entre \u00ab valeur au jour du sinistre \u00bb et \u00ab valeur agr\u00e9\u00e9e \u00bb ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">La valeur au jour du sinistre applique une d\u00e9pr\u00e9ciation annuelle (souvent 10-15 % par an) ; si votre VR neuf \u00e0 150 000 $ est vol\u00e9 5 ans plus tard, vous pourriez ne recevoir que 80 000 $. La valeur agr\u00e9\u00e9e est un montant fixe convenu \u00e0 l&#8217;avance : vous recevez ce montant sans d\u00e9pr\u00e9ciation. Elle est fortement recommand\u00e9e pour les VR de plus de 75 000 $.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Puis-je assurer un VR lou\u00e9 ou pr\u00eat\u00e9 \u00e0 des tiers ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Oui, mais cet usage doit \u00eatre d\u00e9clar\u00e9 \u00e0 l&#8217;assureur. Si vous louez votre VR sur Outdoorsy, RVezy ou \u00e0 des proches, exigez une police commerciale ou un avenant \u00ab location \u00bb. En cas de fausse d\u00e9claration, votre r\u00e9clamation peut \u00eatre refus\u00e9e en totalit\u00e9.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Comment assurer un VR antique ou vintage ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Les VR de plus de 25 ans en bon \u00e9tat peuvent \u00eatre assur\u00e9s comme v\u00e9hicules de collection, avec une prime r\u00e9duite et une valeur agr\u00e9\u00e9e. Kilom\u00e9trage limit\u00e9 et remisage s\u00e9curis\u00e9 sont g\u00e9n\u00e9ralement exig\u00e9s. Contactez Assur360 pour conna\u00eetre les assureurs partenaires sp\u00e9cialis\u00e9s en v\u00e9hicules antiques.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Faut-il un permis sp\u00e9cial pour conduire un gros motoris\u00e9 au Qu\u00e9bec ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Selon la <a href=\"https:\/\/saaq.gouv.qc.ca\/\" rel=\"noopener\">SAAQ<\/a>, un permis de classe 5 (automobile) suffit pour la majorit\u00e9 des motoris\u00e9s de moins de 4 500 kg. Au-del\u00e0, un permis classe 1, 2 ou 3 peut \u00eatre exig\u00e9 selon le poids nominal brut. Votre courtier Assur360 validera ce point avec vous \u00e0 la souscription.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Quelles sont les causes les plus fr\u00e9quentes de sinistres VR au Qu\u00e9bec ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Dans l&#8217;ordre : collisions routi\u00e8res (30 %), gr\u00eale et chutes d&#8217;arbres (22 %), vol total ou d&#8217;accessoires (18 %), dommages par rongeurs et gel durant l&#8217;hivernage (15 %), feu (8 %), autres (7 %). Une assurance tous risques bien calibr\u00e9e vous prot\u00e8ge contre l&#8217;ensemble de ces sc\u00e9narios.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">L&#8217;assistance routi\u00e8re est-elle vraiment utile pour un VR ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Absolument. Un remorquage de motoris\u00e9 de 10 tonnes peut co\u00fbter 1 500 $ \u00e0 3 000 $ en services priv\u00e9s. L&#8217;avenant assistance routi\u00e8re VR (g\u00e9n\u00e9ralement 60 $ \u00e0 120 $ par ann\u00e9e) couvre le remorquage sp\u00e9cialis\u00e9, le d\u00e9pannage sur place, et parfois l&#8217;h\u00e9bergement si votre VR doit rester en garage plusieurs jours.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Dois-je souscrire l&#8217;assurance VR aupr\u00e8s d&#8217;un assureur direct ou d&#8217;un courtier ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Un courtier comme Assur360 repr\u00e9sente plusieurs assureurs et compare les offres pour vous. R\u00e9sultat : une \u00e9conomie moyenne de 25 % par rapport \u00e0 un assureur direct, et surtout un accompagnement expert en cas de r\u00e9clamation. Nos courtiers sont tous certifi\u00e9s par l&#8217;<a href=\"https:\/\/lautorite.qc.ca\/\" rel=\"noopener\">AMF<\/a> et la <a href=\"https:\/\/chad.ca\/\" rel=\"noopener\">ChAD<\/a>.<\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"O\u00f9 puis-je acheter une assurance pour v\u00e9hicule r\u00e9cr\u00e9atif au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Assur360 compare plus de 30 assureurs sp\u00e9cialis\u00e9s en VR, motoris\u00e9s, caravanes et 5e roues. Remplissez une soumission en ligne en 3 minutes et un courtier certifi\u00e9 AMF vous rappelle avec les meilleurs prix.\"}},{\"@type\":\"Question\",\"name\":\"Quel est le prix moyen d'une assurance VR au Qu\u00e9bec en 2026 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La prime annuelle varie de 300 $ pour une tente-caravane \u00e0 plus de 2 800 $ pour un gros motoris\u00e9 classe A. En moyenne, un motoris\u00e9 classe C qu\u00e9b\u00e9cois co\u00fbte entre 1 000 $ et 1 900 $ par ann\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"L'assurance VR couvre-t-elle mes effets personnels ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, la plupart des polices VR offrent une couverture des effets personnels entre 3 000 $ et 20 000 $. Un avenant peut \u00eatre ajout\u00e9 si vos biens d\u00e9passent cette limite.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je conduire mon VR aux \u00c9tats-Unis avec mon assurance qu\u00e9b\u00e9coise ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, votre police couvre les s\u00e9jours aux USA jusqu'\u00e0 30 jours cons\u00e9cutifs. Au-del\u00e0, un avenant s\u00e9jour prolong\u00e9 est requis. Pensez \u00e0 une assurance voyage m\u00e9dicale distincte.\"}},{\"@type\":\"Question\",\"name\":\"Mon VR est-il couvert pendant l'hivernage ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, \u00e0 condition que votre police conserve les protections tous risques et vol durant le remisage. 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En cas de fausse d\u00e9claration, la r\u00e9clamation peut \u00eatre refus\u00e9e.\"}},{\"@type\":\"Question\",\"name\":\"Comment assurer un VR antique ou vintage ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les VR de plus de 25 ans en bon \u00e9tat peuvent \u00eatre assur\u00e9s comme v\u00e9hicules de collection, avec prime r\u00e9duite et valeur agr\u00e9\u00e9e, g\u00e9n\u00e9ralement sous conditions de kilom\u00e9trage et de remisage.\"}},{\"@type\":\"Question\",\"name\":\"Faut-il un permis sp\u00e9cial pour conduire un gros motoris\u00e9 au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un permis classe 5 suffit pour la majorit\u00e9 des motoris\u00e9s de moins de 4 500 kg. Au-del\u00e0, un permis classe 1, 2 ou 3 peut \u00eatre exig\u00e9 selon le PNBV.\"}},{\"@type\":\"Question\",\"name\":\"Quelles sont les causes les plus fr\u00e9quentes de sinistres VR au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Collisions routi\u00e8res (30 %), gr\u00eale et chutes d'arbres (22 %), vol (18 %), dommages d'hivernage (15 %), feu (8 %).\"}},{\"@type\":\"Question\",\"name\":\"L'assistance routi\u00e8re est-elle vraiment utile pour un VR ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, un remorquage sp\u00e9cialis\u00e9 peut co\u00fbter 1 500 $ \u00e0 3 000 $. L'avenant assistance routi\u00e8re VR, \u00e0 environ 60-120 $ par ann\u00e9e, couvre le remorquage, le d\u00e9pannage et parfois l'h\u00e9bergement.\"}},{\"@type\":\"Question\",\"name\":\"Dois-je souscrire l'assurance VR aupr\u00e8s d'un assureur direct ou d'un courtier ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier comme Assur360 compare plusieurs assureurs et permet une \u00e9conomie moyenne de 25 %. Tous les courtiers Assur360 sont certifi\u00e9s par l'AMF et la ChAD.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360 for your RV insurance?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in QC<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> VR brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Phone: <strong>1-866-357-4451<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">SOUMISSION GRATUITE<\/p>\n  <h3 style=\"color:#fff;font-size:28px;margin:0 0 16px;\">Pr\u00eat \u00e0 prot\u00e9ger votre VR au meilleur prix ?<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">3 minutes pour soumettre. 24 heures pour recevoir les meilleures offres de 30+ assureurs.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-vr-en-ligne\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Ma soumission VR<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#fff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #fff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blogue\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance r\u00e9cr\u00e9atif\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance\/recreatif\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"L'importance de l'assurance VR\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Votre motoris\u00e9 ou caravane est bien plus qu&#8217;un simple v\u00e9hicule : c&#8217;est votre maison mobile, votre libert\u00e9, votre investissement. Une assurance v\u00e9hicule [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15149,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"RV Insurance Quebec 2026: Prices starting at $25\/month (compare) | Assur360","_seopress_titles_desc":"Recreational vehicle insurance in Quebec: class A\/B\/C motorhome, 5th wheel, caravan. Compare 30+ insurers.  Free quote in 3 min.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"The importance of RV insurance","_seopress_social_fb_desc":"Compare the best insurance offers in Quebec. AMF certified broker.  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