Get Better RV Insurance with LMBF
Recreational vehicles, or RVs, can come in all shapes and sizes as well as makes and models. LMBF helps you find RV insurance tailored to your exact recreational vehicle, how you use it (and how often), and more. RV insurance provides you with insurance in addition to the basic mandatory coverage (civil liability) that is offered under the Quebec Automobile Insurance Act, covering your vehicle from common perils like fire, flooding, vandalism, and theft. Get a free RV insurance quote today with LMBF and see how easy it is to get comprehensive insurance.
RV Insurance Solutions: What it Covers
Liability
The Quebec Automobile Insurance Act mandates at least $50,000 worth of civil liability coverage, which can protect you against liability claims if you are held responsible for the injury or property damage of another party, but it is highly recommended you extend this amount to around $1,000,000 or $2,000,000 liability.
Comprehensive & Collision
Comprehensive and collision coverage are optional to purchase, just as they are with any vehicle insurance, but can come in great help if your vehicle is damaged or destroyed due to 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.
Accident Benefits
This coverage included with your standard RV insurance offers compensation for rehabilitative treatments and medical costs in the event of your unexpected injury, as well as any additional loss of income or funeral costs as a result of disability or death due to an insured accident.
- Accident benefits
- Third-party liability
- Uninsured motorists
- Loss of use
- Intentional damages
- Certain modifications
- Wear and tear
- Tickets and infractions
Do I need RV insurance?
Civil liability insurance is required for all RVs in Quebec. Provincial government mandates a minimum of at least $50,000 in civil liability insurance for all RVs, which covers you in Canada and in the United States. However, other coverage is optional. That being said, it is highly recommended you carry other coverages - like comprehensive, collision/upset, etc. to cover your recreational vehicle from potential damages.
Types of Insurance for Recreational Vehicles
Unfortunately, no amount of preventative measures can stop all the bad things from happening. If you ever do have to make a claim (which we sincerely hope you don’t) then it’s helpful to know the basics of what you have coverage for. Thankfully, LMBF is here to help. See below for a sampling of some of the coverages that may be included with your standard RV insurance and what may be available for additional purchase as an endorsement.
Comprehensive coverage
- Fire
- Theft
- Vandalism
- Falling objects
Third-party liability
- Bodily injury
- Property damage
- Pedestrians
- Passengers
Collision coverage
- Repairs
- Restoration
- Accidents with objects
- Accidents with other drivers
Full replacement
- Replacement RV
- Resources for new RV
Loss of use
- Temporary replacement
Accident rating waiver
- At-fault accidents
- Premium increases
Uninsured automobile
- Rehabilitative treatment
- Loss of life
Accident benefits
- Rehabilitative treatment
- Loss of income
- Medical treatment
Roadside assistance
- Mechanical breakdown
- Towing
- Roadside repairs
Replacememt cost
- Indemnification without depreciation
Full-Time RV
- Personal liability
- Vacation liability
Motorhomes
- Liability insurance
- Collision and comprehensive
- Replacement cost
Our RV Insurance partners
Here at LMBF, we strongly believe that having a recreational vehicle is a gateway to the good life. For you and your family, your recreational vehicle is likely a treasured asset. We partner with only the top RV insurance companies in Quebec to help ensure that you can get the coverage you need for an affordable price. We help you find a quote for less and get started on coverage faster with some of the best insurers around.
