Recreational vehicle
Recreational vehicle insurance adapts to the type of recreational vehicle you own!
And since the owners of recreational vehicles consider that their vehicle is like a second home, we offer protection for personal property and for the installations that sometimes accompany this type of vehicle.
Types of coverage and options
Multiple coverages tailored to your situation.
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Civil liability
Third party liability coverage is mandatory for all vehicle owners. This coverage follows you every step of the way and protects you in case of accidental damage caused by your vehicle to other people or their vehicles. We recommend that you increase your third party liability coverage if you drive outside Quebec and Canada.
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All risk
All risk coverage includes your third party liability, comprehensive, and collision and upset. This is the most comprehensive coverage of all.
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Collision or upset (impact with a vehicle)
As the name suggests, this coverage insures you in the event of a collision with another vehicle or in the event of an upset. With this coverage, the cost of repairing and replacing your vehicle due to property damage (based on the value on the day of the loss) will be covered. is coverage applies if you collide with another car, with the ground, with an object on the ground or if your vehicle is overturned.
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Comprehensive incidents
This type of coverage insures your vehicle for loss or damage that is not caused by a collision with another vehicle. What types of incidents are covered? eft or attempted theft, vandalism, damage caused by falling trees or objects, damage caused by an animal (including a collision with a deer) and damage caused by lightning, high winds, rising water, earthquakes or fires.
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Goods and furniture
This protection covers the goods and furniture inside your recreational vehicle in case of theft, vandalism or damage.
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Repatriation guarantee for campers
In case of theft or accident, this coverage guarantees the repatriation of your vehicle.
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Storage credit
In case of theft or accident, this protection guarantees that your vehicle will be repatriated. Did you know that when you store your car, snowmobile, motorcycle or recreational vehicle, you are eligible for a storage credit? This credit is calculated based on the length of time you store your vehicle and the reduction of risks incurred during this period.
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Equipment and accessories insurance
“Equipment and accessories” refers to any additions that are not part of the vehicle’s original configuration. They are included in most insurance policies, but it is always best to declare any added equipment to ensure that it is properly covered.
This coverage does not apply to equipment and accessories that alter the performance of the engine and/or the handling of the vehicle. It is essential to report any such modifications to your insurer.
Other option
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Replacement insurance
This protection covers the replacement of your vehicle in the event of a claim. Two options are available to you. You can choose to replace your vehicle with another of equivalent value or obtain financial compensation of equivalent value for the purchase of a vehicle of your choice.
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Replacement cost insurance
This coverage allows you to replace your property that has been damaged without deduction for depreciation. The premium will be determined based on the new value. It is important to be aware of the exclusions mentioned in the contract.
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Loss of use
This coverage applies if you are deprived of your vehicle following an accident for which you are not responsible or if a serious breakdown prevents you from using your vehicle.
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Life & health insurance and medical expenses
This coverage compensates you in the event of death or dismemberment. This protection covers your medical expenses and total disability if you suffer bodily injuries in a car accident.
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Legal assistance
Legal insurance allows you to benefit from financial assistance so you can quickly access legal services from the lawyer of your choice. With the goal of offering you peace of mind, this additional coverage will ensure that your fees are covered.
Do you own a stationary trailer?
If so, you need to be insured differently.
Since a stationary trailer becomes more of a dwelling than a recreational vehicle per se, specific features and exclusions impact elements such as:
- Movements of the non-motorized vehicle
- Responsibility for living quarters
- Outbuilding (shed, shed) and landscaping
- Extensions and attached structures (you must notify your insurer)
- Debris removal
- Personal property and don’t forget your golf carts and electric bikes
Get all the information you need about your stationary RV and make sure you’re properly insured!
Answers to your questions
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How do I insure a recreational vehicle outside of Quebec?
If you are a resident of Quebec and own a recreational vehicle that you wish to insure outside of Quebec, first contact your AMR insurance broker to find out if your current insurer offers coverage outside of Quebec. If so, and if it suits your needs, you can purchase it based on your broker’s recommendations.
If your current insurer does not offer this type of coverage, your independent broker will research other insurance companies to find coverage that meets your needs at the best possible price.
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What should you do if something is stolen from your trailer?
Here are the steps to follow in the event of theft from a trailer:
- Report the theft to the police and provide information such as the license plate number, make, model, etc., to help the police locate your property.
- Contact your AMR insurance broker so that they can report the theft to your insurance company and provide them with a copy of the police report. If your insurance policy covers theft, they can also file a claim on your behalf.
By immediately reporting the theft to the police and your insurance company, you increase your chances of being compensated and recovering your property.
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What insurance do I need to rent a recreational vehicle?
When renting a recreational vehicle, it is important to purchase insurance to protect yourself in the event of an accident or damage to your vehicle. Here are the types of insurance you should consider when renting a recreational vehicle:
- Liability insurance
- Collision insurance
- Comprehensive insurance
- Supplementary liability insurance
- Bodily injury liability insurance
To choose the one that suits you best, we recommend that you consult your AMR insurance broker, who will be able to advise you.
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Is recreational vehicle insurance mandatory?
In Quebec, recreational vehicle insurance is required by law. Recreational vehicle owners must therefore purchase liability insurance that covers damage that may be caused to other people or their property while driving their recreational vehicle on public roads.
It is also recommended that you purchase collision or comprehensive insurance to cover damage to your own recreational vehicle in the event of an accident, theft, fire, or vandalism.
Since insurance requirements may vary depending on the type of recreational vehicle you own and how you use it, we recommend that you check these terms and conditions with your AMR property and casualty insurance broker.
Tips and advices
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Vehicle to be stored? Notify your insurer!
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Does your Credit Score Affect your Insurance Premiums?
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.
Don’t wait any longer!
We’re passionate about insurance
We compare the best protections
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whatever the situation, we know what that means.
Don’t panic!
We’re here to help you.
What we also know is that when you’re in trouble, you want to find a solution quickly.
Life is easier with AMR.