Compare RV Insurance

You could save hundreds of dollars a year by getting multiple RV insurance quotes


Get multiple RV insurance quotes by answering a few questions

in colllaboration with

Get multiple RV insurance quotes by answering a few questions

How to shop for your next RV insurance policy on Hardbacon

Comparing prices from several insurers before choosing an RV insurance policy can usually save hundreds of dollars a year. Here are the 4 steps to take.

Tell us where you are located

The first step is to enter your postal code in the box on the left and click on the “Compare” button. Your postal code will allow us to determine which Canadian province you are located in and redirect you to the right partner.

Tell us more about you

The second step is to fill out our partner's form, which will start by asking you for your contact information and other personal information that is required to obtain RV insurance quotes.

Tell us more about the type of driver you are

The third step is to answer questions about your track record as a driver, and about other drivers who will be using the RV you wish to insure. This is where you indicate whether you are travelling outside the country with your RV, whether your driving license has already been cancelled, etc.

Tell us more about the RV you wish to insure

The fourth and final step before you can submit your application is to answer questions about the recreational vehicle (RV) you wish to insure. In this step, you will indicate the model, year, and mileage of the vehicle in question.

Here are a few tips to save money on your next RV insurance policy

Group your insurance policies

Many insurers can offer you significant discounts on your insurance premium if you insure multiple recreational vehicles, your car and/or your home at the same company. Make a list of your insurance needs and try to bundle them together to save money.

Compare prices

Your insurance premium can vary considerably from one insurer to another, due to factors such as the crime rate in your neighbourhood. Each insurer has its own risk tolerance, so it can be worthwhile for you to shop around and compare prices.

Analyze your needs

Does your RV hit the roads of Quebec during the summer or does it stay parked at your campground? This type of question will allow you to identify your needs and determine whether you should consider additional coverage or stick to the basics.

Focus on maintenance

A well-maintained RV is sure to save you a few claims. Be sure to follow your maintenance guide to the letter so that you can drive safely all summer long. Other breakdowns can also occur when your RV is stored during the winter, such as a freeze in the water system if the maintenance was not properly done before the cold weather arrived. Prevention is better than cure!

Get multiple RV insurance quotes by answering a few questions

Find out more about RV insurance

Frequently asked questions about RV insurance

How do you choose RV insurance?

There are many factors to consider when shopping for RV insurance. These include: how you plan to use your RV, whether you will use it occasionally or all year round, the class of RV you wish to insure (A, B, or C), and of course the cost of the insurance that will best suit your needs and your wallet.

How does replacement cost insurance for RVs work?


Replacement cost coverage is optional. It provides reimbursement that does not take into account the loss in value of your RV over the years. Should an accident occur, you may be reimbursed the same or a proportion of the original value of your RV.

Is it mandatory to insure your RV in Canada?

Yes, RV insurance is mandatory in Quebec and Canada. Specifically, liability coverage for a minimum of $1 million is mandatory for all RV owners, but there are several additional types of coverage that you may choose to purchase to enhance your protection.

What is covered by RV insurance?

Many types of coverage are essential, such as civil liability or accident insurance, but there are also many additional types of coverage to RV insurance. For example, you could choose to insure your possessions and valuables inside the vehicle. Other types of coverage can be added depending on the kind of RV you own. Your broker is the ideal person to offer you advice.

Does auto insurance cover RV rentals?

No. Even if you have auto insurance, RV insurance is a completely separate insurance product. Some guarantees are similar, but the additional coverage is designed to provide better protection for recreational vehicle owners.

Does RV insurance cover delamination?

The vast majority of insurance policies do not cover damage that occurs over time, such as delamination. However, if the delamination is the result of a sudden, accidental and unforeseen event, some insurers may cover the damage. To be on the safe side, be sure to check with your broker whether your policy covers this type of damage when you shop for insurance.

Does RV insurance cover water damage?

The reason for the leakage or water damage is important in answering this question. As a general rule, if the water damage was the result of a sudden, accidental and unforeseen event, some damage may be covered. Check with an insurance expert to see if your insurance policy covers you for this type of accident.

How much does RV insurance cost?

The price of your insurance will depend directly on the coverage you choose. Sticking to the basics, such as accident and liability coverage, will reduce your monthly premium.

Is RV insurance expensive?

As with your car insurance, it is recommended that you shop around for RV insurance as the price may differ from one insurer to another. The price will also depend on the coverage you select. A price comparison tool can be very helpful in ensuring you get the best price.

How does RV insurance work?

Your insurance broker will identify your needs and suggest the appropriate coverage. If you are satisfied with the premium, you will then be able to decide whether to purchase the proposed insurance policy for peace of mind.

Does RV insurance cover awnings on my RV?

Generally, sudden or accidental breakage of an awning may be covered under your insurance policy. However, it may not be covered if the breakage has occurred over time due to wear and tear, for example. Check with an insurance expert to see if your policy covers you for this type of damage.

What is the best RV insurance in Canada?

Several insurers on the market offer comprehensive and competitive RV insurance, such as Beneva, Desjardins and Promutuel, for example.

Compare RV Insurance


Get multiple RV insurance quotes by answering a few questions

in colllaboration with

* Authorization: I authorize ClicAssure to collect and transmit my personal information to certain of its business partners who may be interested in sending me an insurance quote. I also authorize ClicAssure and these same partners to contact me by e-mail, text message, telephone or mail to follow up on my request for insurance quotes or to allow me to finalize my request for quotes.


If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file. I also consent that the assignees or successors of the business or assets of ClicAssure may use and disclose my personal information for purposes similar to those described in this authorization.

Subscribe to our newsletter to receive exclusive content on personal finance

* By subscribing to the Hardbacon newsletter, you also agree to receive communications and offers from select partners. You can unsubscribe at any time.