Recreational vehicles

It's important to consider the value of the equipment and personal property your RV carries, as well as the risks involved in using it. 

Recommended coverages include public liability insurance, comprehensive insurance to protect contents, extended liability insurance to cover costs associated with incidents such as vandalism or natural disasters, and replacement insurance for new or recent motorhomes.

Camping trailers include travel trailers, tent trailers, folding caravans, etc. 

Recommended coverages include third-party liability insurance to cover damage to third parties, comprehensive insurance to protect the trailer and its contents, and third-party liability insurance for accidents caused by the driver. It's also important to take into account the value of equipment and personal possessions carried in the trailer, and to consider insurance for specific accessories and equipment such as air conditioners, stoves and water systems.

Please note that stationary trailers are not considered recreational vehicles, but rather dwellings, and must be insured as such. Consult our home insurance solutions. 

ATVs include quads, snowmobiles, motocross bikes, etc. 

Recommended coverages include liability insurance to protect the rider against damage to third parties, theft insurance to protect the vehicle, and comprehensive insurance to protect the vehicle against damage caused by accidents or incidents.

Pleasure crafts include motorboats, sailboats, yachts, personal watercraft, pontoons, etc. 

Recommended coverages include liability insurance to cover damage caused to third parties, comprehensive insurance to protect the boat and its equipment, replacement insurance for new or recent boats, and third-party liability insurance for accidents caused by the operator. 

You should also know that some marine craft are covered by your home insurance, but not all! It's important to consult your AccèsConseil advisor.

Utility trailers include trailers for transporting vehicles, boats, ATVs, etc. 

Recommended coverages include liability insurance to cover damage to third parties, comprehensive insurance to protect the trailer and its contents, and third-party liability insurance for accidents caused by the driver.