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RV and trailer insurance

Already insured with us? Add your RV or trailer to your auto or home policy to keep all your insurance in one place. Get a quote today!

With your local Desjardins Agent

If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them to get a personalized quote for your motorhome or trailer. You can find their contact information in your online account or with our search tool.

Find an agent

Why you should get RV or trailer insurance

If your RV is motorized, civil liability insurance is legally required to drive it in Canada. However, you're not legally required to insure your RV or trailer if it's not motorized and you tow it behind your vehicle.

In either case, we offer different RV and trailer coverages to protect against certain damage and theft. For example, we can cover your costs if your camper is damaged in a fender bender or if water seeps into it during a storm.

How to insure your RV or trailer with us

Motorhome, tent trailer or utility trailer

To insure these vehicles, you need to add them to your auto policy.

Travel trailer

Depending on whether you keep your travel trailer parked at a campground or bring it to different vacation spots, it will be added under your home or auto policy. Call us to find the best coverage for your situation.

Types of RVs and trailers we insure

  • Motorhomes
  • Travel trailers
  • Fifth wheels
  • Tent trailers or pop-up campers
  • Truck campers 
  • Utility trailers

When you call, we'll ask about your vehicle to make sure you get the right coverage.

Our RV and trailer insurance coverages

Select a coverage type to see more or scroll down to see them all.


Mandatory coverage

Civil Liability

Mandatory

Section A

This coverage is mandatory for motorhomes, but not for travel trailers or other towed vehicles.

It covers:

  • Damage to someone else's property from an accident that's your fault
  • Bodily injuries caused to someone who isn't covered by the Société de l'assurance automobile du Québec (SAAQ) from an accident that's your fault
  • Damage to your motorhome from an accident that's someone else's fault

Quebecers who are injured or lose their life in car accidents are covered under the public automobile insurance plan. In the event of injury or death from a traffic accident, contact the SAAQ to file a compensation claim.

What coverage amount to get
  • Minimum amount for our RV insurance: $1 million
  • For added peace of mind, for example if you drive outside Quebec: $2 million

Contact us about what coverage amount is right for your needs.

Common optional coverages

Collision and Upset

Common optional

Section B2

Covers damage to your RV or trailer:

  • If you're in an accident with another vehicle or an object 
  • If your RV or trailer rolls over 
  • If you're struck by a hit-and-run driver

You can choose to skip this coverage, unless your vehicle is leased or financed and your lender requires it.

All Perils other than Collision or Upset

Common optional

Section B3

Covers damage to your vehicle from a range of factors not included in Collision and Upset, such as:

  • Fire, theft or vandalism
  • Flying or falling objects
  • Certain weather events 
  • Collision with an animal or a person

You can choose to skip this coverage, unless your vehicle is leased or financed and your lender requires it.

Other optional coverages

Value Plus Option

Other optional

Endorsement 43

The Value Plus Option™ keeps your new or used vehicle from losing value for up to 5 years in the event of total or partial loss.

If your vehicle is declared a total loss, you'll be paid the price you paid for your vehicle, increased by an annual percentage.

If your vehicle is declared a partial loss, we'll pay to repair the damaged parts or replace them with new ones and cover their loss of value.

This coverage is not offered for travel trailers or other towed vehicles.

Travel Costs

Other optional

Endorsement 20a

Reimburses you:

  • Up to $2,500 if you need to take a taxi, use public transit or rent a vehicle after an insured loss 
  • Up to $1,250 for meals and accommodation if the loss occurs while you're travelling in Canada or the United States

This coverage is not offered for travel trailers or other towed vehicles.

Get a quote for your RV or trailer

With your local Desjardins Agent

If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them for a personalized quote for your motorhome or trailer. You can find their contact information in your online account or with our search tool.

Find an agent

Get a quote for your RV or trailer

Call us today to get an RV or trailer insurance quote.

What determines the cost of RV or trailer insurance?

Several factors affect the cost of your RV or trailer insurance, such as the make, model, class and year of your vehicle and the coverage you choose.

Insure another vehicle and save

Get a 10% discount on your RV or trailer insurance by insuring an additional vehicle with us.1

A car

Insure your car with us in addition to your RV or trailer to get a lower rate.

Another recreational vehicle

These vehicles include motorcycles, mopeds, snowmobiles, ATVs and boats.

FAQ

Is insurance required for all RVs and trailers?

If your RV is motorized, you're legally required to have at least $50,000 in civil liability insurance to drive it on roads in Quebec. If you drive your vehicle out of the province or to the US, we recommend getting $2 million to be properly covered in case of an accident. This insurance covers you if you damage someone else's property in an at-fault accident.

If your RV or trailer is not motorized and you tow it behind your vehicle, you're not legally required to insure it. But insurance is strongly recommended if you want to be covered in the event of an accident.

Do I need insurance for my travel trailer if it stays parked at the campground?

It's important to think about how you're going to use your travel trailer before insuring it. If it stays parked at a campground, insurance is not required. However, as soon as you take it on the road, we recommend you take out at least civil liability insurance to protect against the unexpected.

If your travel trailer stays in the same place year-round, you could get home insurance coverage to protect your belongings inside of it.

Call us for advice and to find out which coverage is best for your needs.

1-888-277-8726 This link will launch your default phone software. 

Does RV or trailer insurance cover my belongings inside the vehicle?

No; your home insurance would cover your belongings in your RV or trailer.

For example, if belongings in your camper were damaged after a road accident, you would need to file a home insurance claim for them.

How do I make a claim for my RV or trailer?

In the event of an accident or loss involving your RV or trailer, you can file a claim online, in the Desjardins Insurance Home-Auto app or by phone. We're here to help 24/7.

What if I store my motorhome for the winter?

If you aren't going to use your motorhome for more than 60 consecutive days and are putting it in storage, you can let us know via Online Services. You might qualify for savings on your recreational vehicle insurance premium.

To store your motorized RV

  1. Log in to Online Services
  2. Click Vehicle
  3. Find the vehicle you want to store and click Edit
  4. Select Manage vehicle storage, then click Start

Follow the same steps to modify the dates of an upcoming or current storage period.

What if I don't use my trailer in the winter?

You don't need to notify us when you put your travel trailer or tent trailer into storage for the winter. When calculating your premium, we take into account that you only use your recreational vehicle seasonally. To ensure your vehicle stays well protected year-round, we recommend that you don't cancel your policy for the winter. For example, if your policy includes protection against fire, theft and vandalism, your trailer will stay covered even if it's parked in a garage during the off-season.

Contact us

Client Relations Centre

Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM 

1-888-277-8726 This link will launch your default phone software.

Damage insurance products are underwritten and distributed by Desjardins General Insurance Inc., provider of automobile, property and business insurance.

The information on this page is provided for informational purposes only. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.

Savings and discounts are based on each client's individual profile and are subject to eligibility conditions. Rates and discounts are subject to change without notice.

Value Plus Option™ is a trademark of Desjardins General Insurance Group Inc., used under licence.

1. This discount applies to the following recreational vehicles: motorcycles, snowmobiles, all-terrain vehicles, mopeds, motor homes, house trailers, camping trailers, truck campers and road trailers.