RV insurance, multiple quotes in 3 minutes.
Motorhome, trailer, Class A/B/C RV, fifth wheel — our Canadian partners cover every category. Compare road coverage, storage and vacation coverage in one form.
All your recreational vehicles insured in one place
Rather than contacting each insurer individually for each of your recreational vehicles, AccesDirect forwards your request to partner brokerages specialized in comparing multiple insurers. Bundling your policies can also save you up to 15% through multi-product discounts.
RVs and motorhomes
Class A, B, C, van camper. Seasonal or annual insurance, winter storage, personal contents.
Trailers and fifth-wheels
Tent trailer, trailer, fifth-wheel, hybrid. Coverage in transit and at the campsite.
Motorcycles
Sport, touring, custom, cruiser, off-road. Discounts for riding courses and limited mileage.
Boats and personal watercraft
Motorboat, sailboat, pontoons, Sea-Doo, jet ski. Mandatory liability, boat value, fishing equipment.
Snowmobiles
Sport, utility, touring. Quebec minimum liability, theft, damage on FCMQ trails.
ATVs, quads and side-by-sides
Sport, utility, family. Coverage on FQCQ trails, off-road, transport by trailer.
The 3 main coverages for a recreational vehicle
Civil liability
Mandatory in Quebec for all motorized vehicles. $1M minimum, often $2M recommended. Covers damage to others.
Collision and upset
Repairs your vehicle in the event of anat-fault accident or collision with an object. Typical deductible $250-$1,000.
All risks
Protection the most complete : collision, theft, vandalism, fire, hail, animals, damage while in storage.
Factors that influence the price
Premiums are indicative and determined after an individual analysis by the partner broker.
How to get your quote in 4 steps
Describe your vehicle
Make, model, year, VIN, value, use (season, mileage), storage. 2 minutes.
We forward it to our partner brokerages
Your request is forwarded to partner brokerages specialized in recreational vehicles.
A partner broker contacts you
The broker shops among multiple insurers and presents the best options tailored to your profile.
You choose
Compare prices, coverages and deductibles, then keep the offer that fits your budget. No obligation.
💡 The AccesDirect tip
Bundle all your insurance policies to save
Most insurers offer discounts of 10 to 15% if you bundle auto + home + recreational vehicle with the same insurer. A partner broker compares bundled offers from several insurers to maximize your savings.
Why AccesDirect
An independent comparator for recreational vehicle owners
AccesDirect is an independent insurance comparator, operated by the brokerage AccesDirect. We forward your request to partner brokerages specialized in recreational risks.
✓ Partner brokerages
All quotes are handled by brokerages and brokers duly registered with the applicable regulator.
✓ Overseen by the applicable regulator
Representatives follow the code of ethics and the standards of the applicable regulator in Quebec.
✓ Independent comparator
AccesDirect is not tied to any specific insurer. You get multiple offers and decide freely.
Frequently asked questions — Recreational vehicle insurance
Can I insure several recreational vehicles under a single policy?
Yes, several insurers offer multi-recreational-vehicle policies (RV + motorcycle + boat, for example). This simplifies administration and can qualify you for additional discounts.
Is seasonal insurance (summer/winter) worthwhile?
Often, yes. A seasonal policy with a period of storage (garage, shed) reduces the annual premium by 15 to 30% for a motorhome, RV or snowmobile. Make sure the storage period covers theft and fire even when the vehicle isn’t running.
Does my auto civil liability cover my RV or my trailer?
Partially. Your auto policy can cover on-road liability for a non-motorized trailer attached to your towing vehicle. For a motorhome (Class A/B/C), a separate policy is required. Always check with a partner broker to avoid surprises.
Are personal contents in my RV covered?
Yes, with a personal contents extension added to your RV policy. The default coverage is often limited ($2,000-$5,000) — raise the limit if you carry valuable equipment (electronics, bikes, high-end camping gear).
Does my insurance cover the United States?
Most Canadian policies cover temporary trips to the United States (usually 30 to 60 consecutive days). For longer stays (snowbirds in Florida, Arizona), ask for a U.S. extension or a specific temporary policy.
Does a snowmobile or ATV need insurance to use the trails?
Yes, civil liability is mandatory to ride on the trails of the FCMQ (snowmobiles) and the FQCQ (ATVs). A trail access pass is also required.
What documents do I need to provide for a quote?
Vehicle identification number (VIN), registration certificate, purchase value, primary driver’s contact information, driving record. A partner brokerage will call you back if additional information is needed.
How long is a quote valid?
Most insurers honour a quote for 30 days, provided the information supplied remains accurate.
Related resources
The best price is waiting.
Compare in 3 minutes. Choose your coverage. No forced sales calls.
One single request
Fill in one profile. We query insurers on your behalf — you never start over.
No commitment
Comparing binds you to nothing. You choose who to contact — or no one. We do not resell your phone number.
Pan-Canadian network
Auto, home, motorcycle, RV. Licensed partner brokerage firms and brokers across the country.
The best price is waiting.
Compare in 3 minutes. Choose your coverage. No forced sales calls.
One single request
Fill in one profile. We query insurers on your behalf — you never start over.
No commitment
Comparing binds you to nothing. You choose who to contact — or no one. We do not resell your phone number.
Pan-Canadian network
Auto, home, motorcycle, RV. Licensed partner brokerage firms and brokers across the country.
The best price is waiting.
Compare in 3 minutes. Choose your coverage. No forced sales calls.