Are you ready to embark on an adventure with your favorite recreational vehicle?

Whether you own a travel trailer, motorhome, Class A, Class B, Class C, or camper, it’s important to ensure you’re properly protected in case of problems. In this article, we’ll explain in a fun way how to insure your recreational vehicle in Quebec and how to request an insurance quote online.

The different types of recreational vehicles

First, it’s important to understand that there are different types of recreational vehicles, each with its own characteristics and insurance needs. Here’s an overview of the different types of recreational vehicles:

Travel trailers

Travel trailers are towed vehicles that can be attached to the back of a truck or SUV. They are generally used for camping trips and outdoor excursions.

Motorhomes

Motorhomes, also called « motorhomes », are motor vehicles that have an integrated living area. They are available in different sizes and styles and are often used for long-distance trips.

Classes A, B and C

Classes A, B, and C are subcategories of motorhomes. Class A motorhomes are the largest and most luxurious, Class B are the smallest and easiest to maneuver, and Class C are a compromise between the two.

Campers

Campers, also called « camper trailers », are trailers that can be attached to the back of a vehicle. They are often used for camping trips and outdoor excursions.

Finding an insurance broker

Once you’ve determined the type of recreational vehicle you own, it’s time to find an insurance broker that offers coverage for that type of vehicle. Fortunately, most insurance companies offer insurance policies for recreational vehicles.

Request a quote online

The easiest and most convenient way to request an insurance quote for your recreational vehicle is to do it online through an insurance broker. Insurance companies will ask you for information about your recreational vehicle, such as the make, model, year, and mileage. They will also ask you for information about yourself, such as your name, age, and address.

What is a camping recreational vehicle?

Traveling by motorhome is one of the best ways to discover Quebec, but before hitting the road, it’s important to make sure your vehicle is well protected. In this article, we’ll explain how to insure your camping recreational vehicle in Montreal, and with which insurer and broker.

A camping recreational vehicle, also known as an RV, is a vehicle designed to be used as temporary housing during travel. RVs include caravans, motorhomes, and camping trailers. RV owners must ensure that their vehicle is covered by insurance suited to their use.

Insure your RV with an insurance broker

RV owners can obtain insurance for their recreational vehicle by going through an insurance broker. Insurance brokers work with multiple insurance companies to find the best coverage and rates for their clients.

By choosing an insurance broker, you can be sure you’ll get insurance suited to your needs. Insurance brokers can also help you understand the terms and conditions of your insurance policy.

Insurance for your RV

When you purchase insurance for your motorhome, it’s important to understand the different types of coverage available. Here are the main types of RV insurance:

• Liability insurance: This insurance is mandatory for all RV owners. It covers bodily injury and property damage caused to third parties in an accident involving your RV.
• Collision and damage insurance: This insurance covers damage to your RV in case of an accident, whether it’s a collision with another vehicle or an accident with a fixed object.
• Comprehensive insurance: This insurance covers all types of damage, including those caused by extreme weather conditions or acts of vandalism.
• Trip interruption insurance: This insurance covers you if you need to cancel or interrupt your trip due to illness, accident, or other emergency.

RV insurers in Montreal

There are several insurance companies that offer RV insurance in Montreal. Here are some examples:

• L’Unique
• Intact Insurance
• Aviva Insurance
• Promutuel

The RV broker for a low-cost quote

Insuring your RV is important to protect your investment and to be sure you’re well protected on the road. By going through an insurance broker, you can get insurance suited to your needs and at an affordable rate. Remember to compare the different offers from insurance companies before making a decision.

Frequently asked questions

What types of recreational vehicles can be insured?

RV policies cover motorhomes (Classes A, B, C), travel trailers, fifth wheels, truck campers, campers, and camper vans. Each type may require specific coverages tailored to its use and value.

Does RV insurance cover the contents inside?

Coverage of personal contents (personal effects, camping equipment, electronics) can be included or added as an endorsement depending on the insurer. Check coverage limits and make an inventory of your belongings to ensure adequate protection.

Does my RV insurance cover me in the United States?

Most RV policies in Quebec cover travel to the United States, but limits and conditions may vary. If you’re a snowbird or travel regularly to the USA, ensure your coverage is sufficient and add travel insurance for medical expenses.

How do I insure my RV during winter storage?

During the storage period, you can suspend certain coverages (collision, liability) while maintaining protection against theft, fire, and vandalism. This significantly reduces your premium. Inform your insurer of the storage location for adequate coverage.

Does my auto insurance cover towing my travel trailer?

Your auto insurance may cover liability while towing, but the trailer itself requires its own policy to cover physical damage, contents, and liability when parked or detached from the towing vehicle.

Can I live in my RV full-time and be insured?

Yes, but you’ll need a specific policy for full-time use, which offers protections similar to home insurance. Inform your insurer of your actual use to be adequately covered, as a standard RV policy is not sufficient for residential use.

How much does recreational vehicle insurance cost in Quebec?

The cost depends on the type of RV, its value, its year, the intended use, and your driving record. Expect between $800 and $3,500 per year for a travel trailer and between $1,500 and $5,000 for a motorhome. A broker can help you find the best rate.

Does RV insurance cover awnings and accessories?

Awnings, satellite antennas, generators, and other accessories may be covered depending on your policy. Some insurers automatically include accessories attached to the vehicle, while others require a specific endorsement. Check with your broker to avoid surprises.

What does trip interruption insurance cover for an RV?

This protection reimburses lodging, meal, and transportation costs if your RV suffers a covered claim during a trip and becomes uninhabitable. Limits vary by insurer, but it’s a very useful endorsement for long trips.

Why use a broker to insure my RV?

A broker has access to multiple RV-specialized insurers and can compare offers to find you the best coverage at the best price. They understand the nuances specific to each type of recreational vehicle and can advise you on essential protections based on your use.