Trailer Insurance
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Trailer insurance: Coverage made for adventure
Planning an adventure across North America or a road trip across Quebec in the comfort of your trailer? Equip your tent trailer, classic camper or fifth wheel with the coverage needed to hit the road with complete peace of mind.
Our trailer insurance offers civil liability coverage of one or two million dollars. You can also opt for collision, fire, theft and vandalism coverage if your tent trailer, camper or fifth wheel is less than 20 years old.
Trailer insurance is not the same as RV insurance. An RV or motorhome is a motorized vehicle that combines living space and a driver’s cabin in one. It doesn’t require another vehicle to move. On the other hand, a travel trailer doesn’t have an engine and has to be towed to get from A to B.
Because a travel trailer is towed while a motorhome is self-propelled, their respective insurance policies differ slightly, particularly in terms of civil liability. It’s important to choose the protection that’s right for your vehicle. If you have any questions or would like to receive a personalized quote, please call 1-866-650-4689.
Recommended coverage
Civil liability
Covers the damage to your trailer for which you aren’t responsible, and the damage caused to others for which you are.
You can choose between $1 million and $2 million in civil liability coverage.
Risk of collision and upset
This coverage will compensate you for the damage caused in an at-fault collision, a rollover or if you are the victim of a hit-and-run.
Also called Chapter B2, this option is strongly recommended and may be mandatory if your trailer is financed.
All perils other than collision or upset
This option covers the damage caused to your travel trailer beyond collision and upset. This includes theft, vandalism, fire, broken window or damage caused by severe weather.
Also called Chapter B3, this option is strongly recommended and may be mandatory if your trailer is financed.
It’s available without Chapter B2.
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Frequently Asked Questions
Why should I insure my travel trailer?
Even though it’s not considered a vehicle, your trailer could still cause an accident. Civil liability insurance would cover the costs if your travel trailer were to damage someone else’s property or injure someone. For example, if your trailer comes unhitched from your vehicle and damages a building or another car, civil liability would cover the claim, which could save you a lot of money. What’s more, having sufficient coverage is not only a matter of financial security but also a question of compliance, since some campgrounds require that their campers have insurance.
Knowing that you’re covered against the unexpected allows you to enjoy your road trips with complete peace of mind, without having to stress about how much an accident would cost you.
Should I consider additional coverage for my travel trailer?
Like a car, your travel trailer is susceptible to road hazards. If you want to cover potential damage to your trailer, you can opt for Collision or Upset insurance and All-perils Other Than Collision or Upset insurance, which will cover the potential risks of using your travel trailer.
Is the property inside my travel trailer covered?
The contents of your travel trailer are not covered under your trailer insurance. However, they may be covered under your home insurance policy. Contact one of our insurance agents for details.
I have a mobile home that I keep at a campsite year-round, do I need trailer insurance?
No. If your trailer is immobile and still has its wheels, it’s covered under an auto insurance policy. In this case, its contents (i.e., your belongings) and outbuildings (i.e., gazebo and shed, for example) are covered under your home insurance policy. If, on the other hand, your trailer doesn’t have wheels anymore, consider insuring it as a cottage or secondary home under your home insurance policy. But remember, you must have year-round coverage, even if the campground is closed, for example.
How can I get trailer insurance at a good price?
Please note that the seasonal nature of a travel trailer is already taken into account when calculating the premium. Prices can vary significantly from one insurer to another; comparing quotes will help you find the best offer. And don’t forget, iA Auto and Home Insurance clients can get discounts when they bundle their home, auto and recreational vehicle insurance. To find out more, call 1-866-650-4689 today!
Bundling your insurance with iA Auto and Home pays off!
Living outside Quebec?
Our auto and home insurance products are offered only in the province of Quebec.
Our partner Surex can help you with your auto and home insurance needs in your region.
