security
adventure
RV protection, well suited!
Go on an adventure with peace of mind
Are you the outdoor or big city type?
At Assur360, we are partners in your passions ! We have the products best suited to your needs. For a walk in Quebec or elsewhere, we will offer you the best solution, because we also like to explore.
How to insure your recreational camping vehicle?
Unfortunately, it is quite common for people not to insure their RV towed by a towing vehicle as we do with a car.
Why insure your RV?
But how do you find the right coverage between all this wide range of protections that are offered to us? A task that is not easy without the help of an insurance broker, it must be said!
Example of guarantees and added values
| Protections | ||
| For RVers travelling within Canada and the United States | For RVers traveling mainly in Quebec | |
| Civil liabilityCovers bodily injury or property damage caused to others by the insured vehicle | $2,000,000 | $1,000,000 |
| Comprehensive coverageDeductible per claim except lightning or fire | Inclusive | Inclusive |
| Coverage at 0 $Aucune deductible applicable 😛 damage exceeding 5,000 $En the event of a no-fault accident occurring outside QuebecHit-and-run | Inclusive | Inclusive |
| Q.E.F. 2 – Designated driverDriving of vehicles not designated by the persons named in the contract | Inclusive | Inclusive |
| Q.E.F. 27 – Up to 75,000 civil $Responsabilit for damage to passenger vehicles or motorhomes that do not belong to the insured. | Inclusive | Not available |
| Q.E.F. 34 – Life and Health InsuranceDeath Benefits and Medical Expenses | IncludedDeath = 15,000 medical $Frais = $2,000 | DeathOption = 10,000 medical $Frais = $2,000 |
| Terms of payment | ||
| Actual Cash ValueCompensation for Partial or Total Loss Based on Market Value at the Time of Loss | Inclusive | Inclusive |
| Q.E.F. 43 – Value without depreciationCompensation in the event of total loss, without the purchase price being reduced at the time of the loss | OptionVehicle less than 10 years old | OptionVehicle less than 5 years old |
| Special Amendments | ||
| Personal BelongingsPersonal belongings inside the RV and within the boundaries of the venue are covered in value. | $10,000 | $5,000 |
| Additional Emergency FeesAdditional Fees (Meals, Hotel and Transportation) | $3,000 | $3,000 |
| Repatriation of the towed vehicleRepatriation of the towed vehicle in the event of total loss of the vehicle. (This warranty does not apply to motorhomes.) | $8,000 | Option |
| Staying outside QuebecNo limitation on staying outside Quebec up to 180 days. | Inclusive | Inclusive |
| Roadside emergency serviceservices per year (towing, fuel delivery, tire change, battery boost, etc.)Roadside assistance service up to a total of 3 hours of service at the nearest garage, i.e. 250 kilometres awayThe passenger car is covered during the trip outside Quebec with the recreational vehicle even if it is not attached to the car at the time of the loss | Inclusive | Inclusive |
| Elite HelpdeskFree health, legal and travel assistance is available 24 hours a day, 7 days a week | Inclusive | Inclusive |
| 48 hours of free travel insuranceMedical expenses associated with an accident or illness while travelling outside Québec. | Inclusive | Inclusive |
| Discounts available | If applicable | If applicable |
| FQCC member20% discount on your RV insurance premium if you are a member of the FQCC5% discount if you have taken the FQCC driving courseOne-time payment if you have a car or home policy and your claim is for one of these contractsDifferences in car and home contracts with the same insurerAnti-theft system20% discount on chapter B1 of your RV insurance premium if your RV has a Anti-theft system recognized by the insurer. |
Insurance program for your trailer or motor vehicle
New comprehensive RV insurance program.
Contact us now or apply online: 1-866-350-9763 extension 1.
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For any type of RV:
- Class A
- Class B
- Class C
- Trailers
- park-based stationary caravan
- Caravan
- Fifth wheel caravan.
- tent trailer
Added values for the RVer
You are one of those fans of getaways in Quebec or long trips to Canada and the United States aboard your RV.
We offer two RV RV insurance packages for your RV for your RV, motorhome, home, fifth wheel and tent trailer.
How to get a premium discount for your RV insurance
- Caravanner member of the Fédération québécoise de camping caravaning.
- Seasonal camper renting a campsite and member of Camping Québec.
- Combine your RV, auto and home insurance with one agent.
- Boost your franchises.
- Stay safe from tickets to maintain a good driving record.
- Install a recognized anti-theft system on your passenger vehicle.
RV insurance
Warranty in addition to vehicle insurance products
Limited civil liability up to $2,000,000 worldwide for individuals.
In addition to personal liability, goods that are transported and stored in a simple way can also be insured.
Our RV insurance products cover the property in the vehicle at the time of the loss. However, some types of property are not covered in other circumstances. This requires the subscription of an additional guarantee. These properties concern:
TRANSPORTED GOODS
Personal goods usually transported by the nomadic customer. They are insured by the “all-risk” protection.
E.g. laptop, tablet, handbag, etc.
STORED GOODS
Goods that the nomadic customer temporarily or permanently deposits in a given place. They are also insured by “all-risk” coverage and must be stored in the province of Quebec.
E.g. goods left on a campground, in a garage or warehouse.
NOTE: Your form and contract take precedence over the information provided here.
The basics of recreational vehicle insurance
You will see that many trailer or fifth wheel insurance policies will be offered to you, each with its own properties, all of which will obviously provide you with protection against accidents. This is the basis of RV insurance in Quebec.
What about civil liability coverage? What about?
Not only is liability coverage useful, but it is also mandatory. Thus, you will have no choice but to subscribe for at least one million dollars for your trips in Quebec.
For your trips to America, Assur360 advises you to think about increasing the amount of insurance of your motorhome, fifth wheel, caravan, trailer and car.
Valuable goods in your RV
If usually, your vehicle only has a few electronics and gadgets of no significant 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 furniture of great value.
The usefulness of RV insurance will be to protect you against burglaries that may occur during the summer.
However, some coverage companies will offer you comprehensive insurance that you may or may not accept, depending on your protection needs. This is the main difference between traditional car insurance and RV-specific insurance: recreational vehicles will benefit from protection for the objects they contain.
For information, some companies even offer additional protection for furniture and outdoor belongings if your trailer, trailer or Fifth Wheel is parked throughout the summer. Very interesting!
Quel est le prix de la meilleur assurance vr ?
Just like the cost of car insurance, the cost of the best cheap recreational vehicle insurance is determined by several factors, which are: the home, the age and gender of the owner, the market value of the vehicle, the type of caravan or Fifth Wheel as well as the quality of the driving record.
Getting informed is key!
Without informing yourself, it will be almost impossible for you to know the exact price of your next warranty. To do this, do not 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 your type of towed recreational vehicle and the use you make of it, your choice of the type of protection will depend a lot.
A trailer or Fifth Wheel intended to park all summer in any space should not be insured in the same way as an RV that spends the entire season on the road.
Have you considered camping for the summer?
If you plan to leave your caravan or Fifth Wheel parked for the whole summer or even the whole year, you can consider providing different liability coverages such as one for long-term residents and one for short-term vacationers.
It’s nice to travel, but…
In the event that a mechanical breakdown or breakdown of any kind occurs during your trip, the trip interruption coverage following a mechanical breakdown would be there to support you. This coverage will reimburse you for all your expenses related to accommodations as well as any other details associated with this unforeseen event. Frankly, it’s something to think about!
If you plan to store your RV outdoors during the cold season, don’t hesitate to ask about storage blankets.
Our recommendations for your insurance
When it comes to insuring your towed RV, whether it’s new or used, here are some of our top recommendations.
Call on an expert
To protect your RV or Fifth Wheel, consult a company that specializes in RV insurance. In this way, the company would be able to act efficiently quickly when you are not at home in the event that a problem arises.
Proper care
Assur360 reminds you that it is your responsibility to carry out preventive maintenance on your RV and that it is the best protection there is. As they say, prevention is better than cure! Properly maintaining your motorhome or Fifth Wheel will help you keep it in good condition for quite a while.
The world of VR insurance is certainly large and complex, but it is necessary to immerse yourself in it. Choosing the right insurance policy for the market value of your vehicle and the use you plan to make of it will allow you to drive safely and enjoy your summer to the fullest.
