Recreational vehicles give you priceless freedom, whether you’re traveling across Quebec, exploring the United States, or discovering the landscapes of Mexico. But freedom should never come with uncertainty. The right insurance is key to enjoying your adventures worry-free.
The law sets a minimum civil liability coverage, but this quickly becomes insufficient once you leave Quebec. Abroad, you could face significant legal claims in case of an accident, especially in the United States, where lawsuits can target your personal assets. Even in Mexico, although insurance is sometimes offered at the border, its reliability can be uncertain.
With guidance from the experts at J. Gérard Fortin & Associates, you benefit from coverage designed for your travels, no matter your destination. Whether you own a travel trailer, tent trailer, motorhome, or even a stationary caravan, our team provides tailored, clear, and competitive insurance solutions.
Selecting insurance for your recreational vehicle is not just ticking a box. You need to consider your travel habits, the types of roads you use, and the risks specific to each destination. Our specialized brokers take the time to assess your situation and offer comprehensive coverage that fits your needs.
It’s important to note that the mandatory minimum civil liability coverage in Quebec does not provide adequate protection outside the province. Comprehensive coverage should include protection for physical damage to your vehicle, extended liability, and additional protections for risks associated with extended or international travel.
Some policies may also cover theft or vandalism while in storage, contents of your recreational vehicle, and even external equipment such as awnings, solar panels, or camping accessories. Every detail matters, and that’s where the expertise of J. Gérard Fortin & Associates makes a difference.
Yes, some policies may include coverage for extended stays or semi-permanent setups. It’s important to inform your broker so your coverage can be adjusted accordingly.
Absolutely. Even a stationary trailer can be exposed to risks like fire, theft, or weather damage. Specific coverage for stationary trailers is available.
This depends on your policy. Some policies allow lending the vehicle provided the driver is declared. Check with your broker to see if your insurance allows this and under what conditions.