Welcome to LMBF Assurances
Recreational vehicles, or RVs, come in all shapes and sizes, as well as all makes and models. LMBF helps you find RV insurance that's right for your recreational vehicle, how you use it (and how often), and more. RV insurance offers you insurance in addition to the basic mandatory coverage (civil liability) offered under the Quebec Auto Insurance Act, covering your vehicle against common risks such as fire, flooding, vandalism and theft. Get a free RV insurance quote today with LMBF and see how easy it is to get comprehensive insurance.
Civil liability insurance is mandatory for all RVs in Quebec. The provincial government requires liability insurance of at least $50,000 for all RVs, which covers you in Canada and the United States. However, other covers are optional. That said, it's highly recommended that you take out other coverages — such as comprehensive insurance, collision/damage insurance, etc. to protect your recreational vehicle from potential damage.
The Quebec Auto Insurance Act requires liability coverage of at least $50,000, which can protect you from liability claims if you are held liable for injuries or property damage by another party, but it is strongly recommended that you extend this amount to approximately $1,000,000 or $2,000,000 in liability.
This coverage included in your standard RV insurance provides compensation for rehabilitative treatments and medical expenses in the event of an unexpected injury, as well as for any loss of additional income or funeral expenses resulting from disability or death due to an insured accident.
“All risks” and “collision” covers are optional, as with any car insurance, but they can be very useful if your vehicle is damaged or destroyed as a result of a collision with another vehicle or object, or if it is damaged or destroyed as a result of a storm, fire, vandalism, or even theft.
Offers extensive protection against the majority of claims, except for exclusions provided for in the contract.
Responsibility towards third parties. Simple and essential protection adapted to your situation.
Covers damage to your vehicle as a result of a collision with another vehicle or object.
Permet de remplacer un bien ou un véhicule par un équivalent neuf, sans dépréciation, selon les conditions du contrat.
Covers additional costs if you can no longer use your home or vehicle as a result of a covered claim.
Avoid an increase in your premium following a first responsible accident.
Protects you if you are involved in an accident with an uninsured or under-insured driver.
Offers compensation in case of injuries (you or your passengers) as a result of a covered accident.
Offers help in the event of a breakdown, including towing and road assistance.
Allows you to replace an asset without taking into account its depreciation.
Protects people living full time in their recreational vehicle.
Covers motorhomes against damage, theft and civil liability.
