Recreational Vehicle Insurance: The Complete Guide

Is one of your pleasures in life setting off on adventures in your recreational vehicle to explore Quebec’s most beautiful landscapes? Assurances Multi-Risques would like to inform you about the various RV insurance products available, whether it’s trailer insurance, motorhome insurance, or any other type of RV insurance. We are here to guide you, thanks to our extensive experience in RV insurance brokerage.

Car insurance VS recreational vehicle insurance

Tout d’abord, il ne faut pas confondre une assurance roulotte avec votre assurance auto. Cette dernière ne couvrira pas l’ensemble de vos biens accumulés à l’intérieur de votre véhicule en cas de vol, de vandalisme ou encore d’incendie.

That’s why we strongly recommend that you contact an independent insurance broker who specializes in insurance for trailers, motorhomes, or fifth wheels. We often see people insuring their trailers with the same insurer that insures their personal vehicles. That insurer may not have the best insurance product for your needs or the expertise in recreational vehicles that an independent broker does.

RV liability insurance

All owners of motor vehicles or motor homes are required by Quebec’s Automobile Insurance Act to carry civil liability coverage of at least $50,000.

What is civil liability coverage for? It protects you if you are held liable for property damage or bodily injury (to another person) in an accident occurring in Canada or the United States—for which you would be held liable.

Que vous rouliez au Québec ou à l’extérieur de la province, AMR vous recommande d’opter pour un montant de couverture de 2 M$. Un courtier en assurance spécialisé en produits pour VR saura vous guider vers des options hautement personnalisées.

Optional coverage for damage to the RV

Oui, ces garanties sont bel et bien optionnelles. Mais lorsqu’il est question d’assurance VR, il est fortement conseillé de les considérer. C’est ce qui fait souvent la différence entre une réclamation satisfaisante et une réclamation compliquée. Voici quelques-uns des garanties optionnelles que nos experts en assurances VR vous suggèrent :

All risks

Covers all damage to your RV, except for damage excluded in the contract (for example, rust is excluded).

Risks of collision and overturning

Covers damage to your RV in the event of a collision with a car and/or in the event of a rollover, even if you are at fault.

All risks except collision or overturning

It covers damage caused by fire, theft, vandalism, and broken windows.

Specific risks

It can be chosen as a replacement for “All risks except collision or overturning” coverage. It is a more affordable option, but also more limited. It covers damage resulting from fire and theft, but excludes vandalism and broken windows.

Protecting “personal property” inside your RV

Check carefully whether your insurer includes, at no extra cost, comprehensive coverage in the event of theft or damage to personal property located inside the vehicle or on its parking space. With this protection, you will not need to file a home insurance claim in the event of damage to these items.

Travel expenses

If you are unable to use your vehicle for several days following a covered accident, this coverage pays for the additional costs incurred to continue your trip or return home. For example, it could cover certain accommodation or meal expenses.

Insurance for roadside assistance costs

It covers roadside assistance costs, for example, in the event of running out of gas or a flat tire.

Repatriation guarantee for trailers

If the vehicle towing your trailer is stolen or involved in an accident resulting in a total loss, this additional coverage will cover the costs incurred to return your trailer to your home.

New value insurance

“Compensation without depreciation” protection allows you to replace your equipment and accessories with new items in the event of damage. This protection does not take into account aging, i.e., depreciation. This rule also applies to your entire trailer.

A few tips to lower your recreational vehicle insurance premium

• Contactez un courtier d’assurance spécialisé pour les véhicules récréatifs;
• If you are a member of a recreational vehicle club, check with your insurer as you may be eligible for an additional discount on your insurance.
• If your motorhome is valuable, have a tracking system (TAG) installed. This will reduce your motorhome insurance premium and, at the same time, you will have taken the necessary precautions to deal with theft.

Final words

To make the most of your vacation and time outdoors, we strongly recommend that you contact an insurance broker who specializes in recreational vehicles.

L’assurance roulotte vous protège lors de vos voyages et protège votre véhicule durant la saison morte. Si un incident arrivait, votre assurance auto ou habitation pourrait bien sûr protéger une partie des dommages. Mais il reste que d’assurer sa roulotte avec un assureur spécialisé pour les véhicules récréatifs promet la tranquillité d’esprit. Contactez nos courtiers afin de connaître la protection appropriée à vos besoins.