Recreational vehicle insurance quote

More affordable RV insurance quote with a broker

Insurance for a recreational vehicle can be a significant cost for motorhome and trailer owners in Quebec. However, by working with a property and casualty insurance broker, you can find affordable insurance for your recreational vehicle.
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cheap recreational vehicle insurance To get a more affordable insurance quote for your motorhome or trailer, it is important to compare offers from different insurance companies. Property and casualty insurance brokers can help you do this by comparing quotes from multiple companies for you. They can also advise you on the coverage you actually need and the options that can help you save money.

Camping recreational vehicle insurer

It is also important to take into account deductibles and insurance limits, as they can have a significant impact on the cost of your insurance. It may be wise to choose a higher deductible to reduce monthly costs, but make sure you can cover these costs in the event of a claim. Finally, it can be helpful to implement security measures for your recreational vehicle, such as installing an alarm system, to reduce theft risk and help reduce your insurance costs. In conclusion, by working with a property and casualty insurance broker, you can find affordable recreational vehicle insurance in Quebec by comparing quotes for you and advising you on options that can help you save money.

Get RV insurance pricing online

Reducing your recreational vehicle insurance price is important — request an RV insurance quote from us now for Quebec residents.

RV insurance specialties

  • Class A
  • Class B
  • Class C
  • Travel trailer
  • Caravan
  • Tent trailer
  • Motorhome
rv insurance price

Get an RV insurance quote. Save today. Vacation tomorrow.

Make sure you have the right insurance policy for recreational vehicles (RVs) for your next trip. Your broker offers affordable RV insurance with excellent coverage for your needs. We know you love the RV lifestyle — whether it’s an RV, motorhome, camper or travel trailer. Whether you’re new to RVs, full-time or a snowbird, RV specialists in Quebec can help you get the RV insurance coverage that’s right for you.

Do you need insurance for your RV?

In most provinces, you must obtain liability insurance if you drive a recreational vehicle on the road. The minimum requirements of the province are generally the same as for a car. Do you have questions about camper insurance coverage required by your province? Check our information pages to learn more. As a specialized vehicle, you may need additional coverage to protect yourself and your investment. Your broker has you covered. Learn more about special coverage for RVs and trailers.

How to insure your recreational vehicle?

An RV is an investment. Whether used part-time or full-time, the same principles that apply to insuring your permanent residence and your touring vehicle apply to an RV insurance policy. Choosing the right insurance to cover your home on wheels against theft, damage and content protection requires careful consideration.

Why buy RV insurance?

Since an RV is a vehicle, it makes sense that an insurance policy covering non-collision accidents (liability) and collisions applies. But because an RV is also a temporary or even permanent home, RV insurance goes a bit further than a standard auto insurance policy. RV insurance is a blend of elements from both an auto insurance policy and a affordable home insurance policy, resulting in comprehensive and specialized coverage. Beyond the basics, choosing different options and different levels of coverage makes RV insurance a smart choice for complete protection. Here are some specialized coverage options for RVs:
  • Replacement in case of total loss
  • Replacement of personal property
Emergency insurance coverage for food, lodging and alternative transportation if your RV breaks down while traveling. The recreational vehicle lifestyle is about taking to the road and enjoying the personal experience of outdoor living. However, having the peace of mind that your RV, your personal content and your wallet are protected in the event of an incident or accident on the road is priceless. For full-time recreational vehicle drivers, insurance protects you with even more customized options:
  • Liability (bodily injury or property damage) in case of accident in the RV, at a campground, towing/damage fees.
  • Theft of personal items not covered by a standard homeowner’s insurance policy.
  • Full coverage in case of theft, vandalism or fire.
  • Storage fees.
recreational camping vehicle

Permanent stationary camping mode

During this period when travel is restricted, more and more people are opting for a nomadic lifestyle by purchasing a recreational vehicle (RV) to explore their own country. However, there is also a growing number of people choosing to settle permanently in their RV in campgrounds or residential parking parks.

Specific insurance for stationary RVs

If you are one of these people, you may wonder if you need specific insurance for your RV as a stationary camper. The short answer is yes — a standard auto insurance policy will not be sufficient to cover all the risks that come with living in an RV permanently.

Customized insurance coverage

There are several types of RV insurance available, each offering different coverage depending on your needs. For stationary campers, the best option is RV insurance for permanent residence. This insurance covers damage to your RV and personal property inside, as well as liability if someone is injured in your living space.

Seasonal campground

It is also important to note that if you own an RV that is attached to a campground or residential parking park, you may also need liability insurance for accidents that could occur on the property.

Your RV as a permanent residence

Ultimately, RV insurance for permanent residence is essential to protect your investment and ensure your safety. Take the time to shop around to find the best coverage for your specific needs and don’t hesitate to ask your insurance broker questions if you have any doubts. With the right coverage, you’ll be able to fully enjoy your stationary camper lifestyle with complete peace of mind.

Frequently asked questions — Recreational vehicle insurance Quebec

What is the difference between a motorized RV and a towed RV for insurance?

A motorized RV (motorized class A, B or C) is a self-propelled vehicle that requires its own auto insurance policy. A towed RV (travel trailer, tent trailer, fifth wheel) must be insured separately — your auto insurance generally does not cover the trailer contents or hull. Both types of vehicles need specific protection.

Does my auto insurance cover my trailer or motorhome?

Your auto insurance may cover liability related to towing a trailer in transit, but it generally does not cover the trailer itself or its contents. For a motorhome, dedicated insurance is required. A specific RV policy covers the structure, contents, campground liability and living expenses if the vehicle is unusable.

Is my RV covered during winter storage (off-season storage)?

Yes, most RV policies maintain basic coverage during winter storage, including protection against theft, vandalism and weather damage. Some insurers even offer a premium discount during the inactive period. Inform your insurer of the storage period and location to ensure you are properly covered.

Is the contents inside my RV insured?

RV insurance generally includes coverage for contents (furniture, appliances, clothing, built-in kitchen equipment) with a limit defined in your policy. For valuable items (electronics, bicycles, outdoor equipment), check the limits and add an endorsement if needed.

Do I have liability when I park my RV at a campground?

Yes, damage you cause to third parties (campground neighbors, campground property) can create liability for you. A good RV policy includes liability coverage that is valid even when your RV is parked or used as temporary residence. Make sure your coverage limit is adequate.

Are theft and vandalism covered for an RV?

Yes, most RV policies include protection against theft of the vehicle or its contents, as well as vandalism. Theft of external components (satellite antennas, generators, bikes attached to the outside) can be covered with specific limits. Check the terms and install locks to reduce your premium.

What is the difference between agreed value and market value for an RV?

Agreed value is an amount set in advance with the insurer, guaranteed in case of total loss — without depreciation deduction. Market value is the value of the RV at the time of the claim, accounting for depreciation. For a new or high-value RV, agreed value offers better protection and more certainty.

Can my RV imported from the United States be insured in Quebec?

Yes, but the process can be more complex. You will generally need to obtain a mechanical inspection and confirmation of compliance with Canadian standards. Inform your broker of the vehicle’s origin when requesting insurance. AccesDirect can help you find an insurer that accepts imported RVs.

Do modifications to my RV affect my insurance?

Yes, major modifications (expansions, solar system installations, addition of expensive equipment, structural modifications) must be reported to your insurer. They can change the value of your RV and your premium. Unreported modifications could result in a claim denial in case of a loss.

Can I suspend my RV insurance during winter to save money?

Some insurers allow a reduction or partial suspension of coverage during the winter season. This can reduce your premium, but be careful: keeping minimum coverage (theft, vandalism, weather) remains prudent even off-season. Discuss with your broker the options available for your specific situation.