Recreational vehicle insurance
safety
adventure
Recreational camping vehicle protection, well adapted!
Peace of mind for adventure
Are you the outdoorsy type or the city type?
At Assur360, we are partners in your passions ! We have the products best suited to your needs. For a trip to Quebec or elsewhere, we'll find the best solution for you, because we like to explore too.
How do I insure my recreational camping vehicle?
Unfortunately, it's not uncommon for people not to insure their RVs towed by a towing vehicle as we do with a car.
Why insure your RV?
But how do you find the right coverage for the wide range of options on offer? Not an easy task without the help of an insurance broker, it has to be said!
Examples of guarantees and added value
| Protections | ||
| For caravanners travelling in Canada and the United States | For caravanners travelling mainly in Quebec | |
| Third-party liabilityCovers bodily injury or property damage caused to others by the insured vehicle. | 2 000 000 $ | 1 000 000 $ |
| All-risk coverageFrank per claim except lightning or fire | Included | Included |
| Guaranteed at 0 $Ano deductible applicable:For damage exceeding 5,000 $An at-fault accident outside QuebecHit-and-run accident | Included | Included |
| Q.E.F. 2 - Named driverDriving of non-designated vehicles by persons named in the contract | Included | Included |
| F.A.Q. 27 - Up to 75,000 1TP4Liability for damage to private passenger vehicles or motor homes not owned by the insured. | Included | Not available |
| Q.E.F. 34 - Life and health insuranceDeath benefits and medical expenses | IncludedDeath = 15,000 $Medical expenses = 2,000 $ | OptionDeath = 10,000 $Medical expenses = 2,000 $ |
| Terms of payment | ||
| Value at date of lossCompensation in the event of partial or total loss, taking into account the market value at the time of the loss. | Included | Included |
| F.A.Q. 43 - Value without depreciationCompensation in the event of total loss, without reduction of the purchase price at the time of loss. | OptionVehicle less than 10 years old | OptionVehicle less than 5 years old |
| Special endorsements | ||
| Personal effectsPersonal effects inside the RV and within the limits of the premises are covered for value. | 10 000 $ | 5 000 $ |
| Additional emergency expensesAdditional expenses (meals, hotel and transportation) | 3 000 $ | 3,000 $ |
| Repatriation of towed vehicleRepatriation of towed vehicle in the event of total loss of the vehicle. (This cover does not apply to motorhomes). | 8 000 $ | Option |
| Stays outside QuebecNo restrictions on stays outside Quebec for up to 180 days. | Included | Included |
| Emergency roadside serviceServices per year (towing, fuel delivery, tire change, battery boost, etc.)Roadside assistance up to a total of 3 hours of service at the nearest garage, i.e. 250 kilometers awayPrivate passenger vehicle is covered while traveling outside Quebec with the recreational vehicle, even if it is not attached to the car at the time of loss | Included | Included |
| Elite Assistance ServiceA free health, legal and travel assistance service is available 24 hours a day, 7 days a week. | Included | Included |
| 48 hours free travel insuranceMedical expenses associated with an accident or illness while traveling outside Quebec. | Included | Included |
| Remittances available | If applicable | If applicable |
| FQCC member20 % discount on your RV insurance premium if you are an FQCC member5 % discount if you have taken the FQCC driving courseSingle discount if you have an auto or home policy and your claim concerns one of these policiesDifferences between auto and home policies with the same insurerAntitheft system20 % discount on chapter B1 of your RV insurance premium if your RV is equipped with an anti-theft system recognized by the insurer. |
Insurance program for your trailer or motorhome
New comprehensive insurance program for recreational camping vehicles.
Contact us now or apply online: 1-866-350-9763 extension 1.
Online RV insurance application.
RV insurance quote "
For all types of RV:
- Class A
- class B
- class C
- trailers
- stationary park caravan
- mounted caravan
- fifth-wheel caravan.
- tent-trailer
Added value for caravanners
You're one of those people who loves to get away from it all in Quebec, or take long trips across Canada and the USA in your RV.
We offer two RV insurance packages for caravans, motorhomes, fifth wheels and tent trailers.
How to get a discount on your RV insurance premium
- Caravanning member of the Fédération québécoise de camping caravaning.
- Seasonal camper renting a site at a campground and member of Camping Québec.
- Combine your recreational vehicle, automobile and home insurance with a single agent.
- Boost your franchises.
- Stay ticket-free to maintain a good driving record.
- Install a recognized anti-theft system on your passenger vehicle.
VR Insurance
Complementary coverage for vehicle insurance products
Personal liability limited to 2,000,000$ worldwide.
In addition to personal liability, goods transported and stored on a simple basis can also be insured.
Our RV insurance products cover goods in the vehicle at the time of loss. However, certain types of goods are not covered in other circumstances. This means you need to take out additional cover. These goods include :
TRANSPORTED GOODS
Personal property usually carried by the nomad customer. They are covered by "all risks" protection.
e.g. laptop, tablet, handbag....
STORED GOODS
Goods that the nomad customer deposits temporarily or permanently at a given location. They are also covered by "all risks" protection and must be stored in the province of Quebec.
Ex: goods left on a campsite, in a garage or warehouse.
NOTE: Your formula and contract take precedence over the information provided here.
How much does it cost to insure my recreational vehicle?
The cost of insurance for a recreational vehicle varies according to a number of factors, including the type of vehicle, make and model, driver's age, use of the vehicle, place of residence and so on.
It is therefore difficult to give a precise cost without knowing this information. In general, insurance for a recreational vehicle can cost anywhere from a few hundred to several thousand dollars a year, depending on the factors mentioned above and the insurance options you choose. So it's important to research and compare different insurance offers to find a policy that suits your needs and budget. It's also a good idea to consult an insurance broker to help you find the best insurance for your recreational vehicle.
Why insure your RV?
Many factors will influence the choice of your next motorhome or caravan insurance policy and lead you to the most appropriate protection solution, depending on your needs and habits.
The basics of recreational vehicle insurance
You'll see that there are many different types of trailer or fifth-wheel insurance policies to choose from, each with its own unique features, and all of them providing protection against accidents. This is the basis of RV insurance in Quebec.
What about liability coverage? What about it?
Not only is liability coverage useful, it's mandatory. So you'll have no choice but to take out at least a million dollars' worth of coverage for your travels in Quebec.
For your travels in America, Assur360 advises you to consider increasing the amount of insurance you have on your motorhome, fifth wheel, caravan, trailer and car.
Valuable possessions in your RV
If your car usually only contains a few electronic devices and gadgets of no great value, this is not at all the case for your caravan or Fifth Wheel, a completely different vehicle, which should surely contain much more expensive goods and valuable furniture.
The purpose of RV insurance is to protect you against break-ins during the summer months.
However, some cover companies will offer you comprehensive insurance, which you may or may not accept, depending on your protection needs. In fact, this is the main difference between conventional car insurance and RV insurance: recreational vehicles will benefit from protection for the objects they contain.
For your information, some companies even offer additional protection for furniture and outdoor goods if your caravan, trailer or Fifth Wheel is parked all summer long. Very interesting!
How much does the best vr insurance cost?
Just like the cost of car insurance, the cost of the best cheap RV insurance is determined by a number of factors: where you live, the age and gender of the owner, the market value of the vehicle, the type of caravan or Fifth Wheel, and the quality of your driving record.
Information is the key!
Without being informed, it's almost impossible to know the exact price of your next warranty. So don't hesitate to compare and ask for evaluations and quotes. This will help you find the protection solution that best suits your needs.
What type of protection should I choose?
Depending on the type of recreational vehicle you tow and how you use it, your choice of protection will depend enormously.
A caravan or Fifth Wheel designed to be parked all summer in some space should not be insured in the same way as an RV that spends the whole season on the road.
Are you planning to hit the American highways in a recreational vehicle?
Don't neglect to insure your towing costs. This will help you avoid unpleasant surprises and unpleasant incidents.
Whether you've run out of fuel, suffered a mechanical breakdown, got a flat tire or need a trailer, our roadside assistance service is available 24/7 throughout North America and Canada to lend a hand.
Thinking of camping this summer?
If you plan to leave your caravan or Fifth Wheel parked all summer or even all year round, you may want to consider different types of liability cover, such as long-term resident and short-term holidaymaker.
It's all very well to travel, but...
Should a mechanical breakdown or breakdown of any kind occur during your trip, our Mechanical Breakdown Trip Interruption coverage is there to support you. This coverage will reimburse you for all your accommodation expenses and any other details associated with this unforeseen event. Frankly, it's worth thinking about!
If you're planning to store your RV outdoors during the cold season, don't hesitate to ask about storage covers.
Our recommendations for your insurance
When it comes to insuring your towed RV, whether new or used, here are some of our top recommendations.
Call in an expert
To protect your caravan or Fifth Wheel, consult a company that specializes in RV insurance. This way, the company can act quickly and efficiently when you're away from home, should a problem arise.
Proper maintenance
Assur360 reminds you that it's your responsibility to perform preventive maintenance on your RV, and that it's the best protection there is. As they say, prevention is better than cure! Taking good care of your motorhome or Fifth Wheel will help keep it in good condition for a long time to come.
The world of RV insurance may be vast and complex, but it's one we need to get to grips with. Choosing the right insurance policy for your vehicle's market value and intended use will enable you to drive safely and enjoy your summer to the full.
How long does it take to get an RV insurance quote from Assur360?
Get an RV insurance quote online is quick and easy and takes less than 4 minutes. After completing the quote form, you can purchase the policy online. You or a damage insurance broker get it back later. Start your free online motorhome insurance quote today 1-866-350-9763 !
