End of the agricultural season
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Information to have on hand
To receive your quote quickly, here is the information that will be useful to have on hand.
For all types of insurance
- Effective date
- The name of your current insurer, if you are already insured.
Auto and recreational vehicles
- Purchase date of the vehicle, if recent
- Licence number of each driver
- Accidents and claims for the past six years
Recreational vehicle insurance tailored to how you use it
Each recreational vehicle has its own characteristics. The way you use it and where you ride influences the coverage you need.
Some vehicles require insurance to operate on public trails in Quebec. Others, such as house trailers or watercraft, are not automatically covered by your home or auto insurance policy.
A vehicle stored off-season remains exposed to theft or fire. A vehicle used outside the province may require additional coverage. These gaps are not always visible in standard policy.
This insurance covers different types of recreational and leisure vehicles.
- Motorcycles and three-wheelers
- Snowmobiles
- All-terrain vehicles (ATVs, quads, and side-by-sides)
- Recreational vehicles (RVs)
- House trailers, tent-trailers, and utility trailers
- Travel trailers and motorhomes
- Boats
A La Turquoise broker will assess your situation to guide you toward coverage suited to your vehicle and how you use it.
Contact us for a quote
Recommended coverage
Whether for an ATV, a snowmobile, or a motorcycle, recreational vehicles deserve coverage suited to how they are used. These protections address the most common risks associated with their use, on the road and off.
General liability
If a recreational vehicle causes property damage or bodily injury to others, general liability coverage handles the financial consequences. This coverage is mandatory to operate a vehicle in Quebec. It applies when a claim is filed following an accident.
- The driver loses control of their ATV and damages another user’s vehicle.
- A snowmobile strikes a fence or installation and causes significant damage.
- A third party sustains injuries in an accident involving the insured vehicle.
Comprehensive coverage
Certain events can damage a recreational vehicle without a direct impact with another vehicle or object. Fire, theft, glass breakage, and vandalism are among the risks covered by this protection. A deductible applies when a claim is filed.
- The vehicle is stolen during a stay at a cottage.
- A fire damages a snowmobile in a garage.
- An object falls on the vehicle during a storm.
- An animal is struck on a marked trail.
Collision or upset
Damage sustained by a vehicle following an impact or upset is covered by this protection. It applies in the event of a collision with another vehicle, an obstacle, or a loss of control. A deductible applies when a claim is filed.
- An ATV collides with another vehicle on a trail.
- A snowmobile strikes a tree after losing control.
- The vehicle overturns on uneven ground.
Coverage for injury or death
In the event of an accident, this coverage provides a benefit if serious injuries occur or in the event of death. It may cover certain medical expenses and pay a lump sum depending on the coverage chosen.
- Injuries require treatment or an extended recovery period.
- An accident results in permanent disability.
- A death occurs following a covered accident.
Additional coverage options
Depending on the vehicle and how it is used, certain complementary coverages may be useful. They supplement the basic coverage to better address each situation.
Waiver of depreciation
A vehicle loses value over time. In the event of a covered loss, this coverage allows you to be compensated without taking depreciation into account, helping you recover an amount closer to the original purchase price.
Coverage for accessories and equipment
Accessories and equipment added to a recreational vehicle can represent significant value. This coverage protects these additions against loss or damage, subject to the conditions set out in the policy.
- Navigation equipment installed on an ATV is damaged in a covered loss.
- Accessories added to a snowmobile must be replaced following a covered loss.
Claims protection
An at-fault loss can penalize a good driving record. This option allows you to avoid a premium increase, subject to the conditions set out in the policy. It helps preserve your claims history.
Out-of-province travel expenses
This coverage may apply to certain additional accommodation or transportation costs incurred while a claim is being settled. These expenses result from a loss occurring outside Quebec that temporarily prevents use of the vehicle.
- The vehicle is immobilized following a covered loss during a trip outside the province.
- Accommodation or temporary transportation costs are required during repairs.
Roadside assistance
A breakdown on an isolated trail can quickly complicate an outing. This coverage provides help in the event of an unexpected situation, including battery boosting, fuel delivery, or towing within a set radius.
- An ATV breaks down far from an accessible road.
- A snowmobile must be towed after an incident on a trail.
Accidental death and dismemberment coverage
This coverage provides a benefit in the event of accidental death or dismemberment occurring during the use of the insured vehicle. The amount paid varies depending on the coverage chosen and the conditions set out in the policy.
Replacement cost coverage (F.P.Q. no. 5)
The replacement cost coverage (F.P.Q. No. 5) is a policy in addition to your primary auto insurance contract. In the event of a total loss or theft, you receive a higher payout to replace your vehicle.
The calculation varies depending on the vehicle’s condition at the time of purchase. You receive an amount greater than the vehicle’s market value at the time of the loss.
- New vehicle: You are compensated based on the value of a similar new vehicle from the current model year, without depreciation applied.
- Used vehicle:
Purchased from a dealer: You are compensated based on the purchase price, plus an indexed percentage for each year of ownership.
Private purchase: You are entitled to a supplementary amount to the compensation from your primary insurer.
- No deductible in the event of a total loss
- Reimbursement of the deductible in the event of a partial loss, depending on the option chosen
- Allowance for a courtesy vehicle during the claims process
- Premium guaranteed for the entire duration of coverage
- Financing terms available from 12 to 84 months
- TAG discount: Is your vehicle equipped with a tracking system? A discount is applied directly to your premium. The system must be installed within the timeframe specified in the contract for the discount to apply.
- Automobiles
- Motorcycles and three-wheelers
- Snowmobiles
- All-terrain vehicles (ATVs, quads, and side-by-sides)
- Recreational vehicles (RVs)
- Trailers and tent trailers
- Travel trailers and motorhomes
This coverage is useful right from the time of purchase, when depreciation is fastest. It allows you to receive an amount greater than the market value at the time of the loss.
Contact us for a quote
Home and auto discounts
A La Turquoise broker can help you identify the discounts that apply to your situation. Savings vary depending on your profile and the coverage you choose.
Anti-theft devices and tracking systems
Certain security devices may reduce your insurance premium. A comprehensive anti-theft system, a tracking device, or a recognized intensive marking program may qualify you for a discount.
Bundling policies
Bundling multiple policies can help reduce your premium. For example, insuring several vehicles or combining your home insurance with your recreational vehicle coverage may give you access to certain discounts. Your broker will verify which combinations apply to your situation.
Discounts for association and club members
Certain recognized associations and federations offer benefits to their members. For example, members of the Fédération des clubs quads du Québec or the Fédération des clubs de motoneigistes du Québec may be eligible for discounts or special offers, depending on the insurer.
Motorcycle safety course discount
Completing a recognized motorcycle safety course may qualify you for a discount, depending on the insurer’s conditions.
Preferred associations and member programs
La Turquoise collaborates with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.
Affinity programs and discounts
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Quebec Professional Home Builders Association (APCHQ)
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
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Your questions about recreational vehicle insurance
Do you have questions about recreational vehicle insurance in Quebec? This section contains answers to the most common questions about available coverage, applicable obligations, and the factors that influence insurance costs. This may apply to motorcycles, snowmobiles, ATVs, RVs, house trailers, travel trailers, or boats.
It depends on the type of vehicle. Snowmobiles and ATVs, among others, must carry at least general liability insurance to operate on public trails or terrain. For other types of vehicles, such as house trailers or watercraft, the law does not require insurance. However, a marina, a campground, or a lender may require it.
Coverage varies depending on the type of vehicle and the coverage chosen. In general, recreational vehicle insurance can include general liability, damage to the vehicle in the event of a collision or comprehensive loss, theft, vandalism, and certain expenses related to a covered loss. Complementary coverage may also be added depending on your needs.
In most cases, yes. A stored vehicle generally remains covered by certain risks, such as theft, fire, or vandalism. Some coverage may be adjusted or suspended during storage depending on the terms of the policy. It is recommended to review the conditions set out in the policy before storing your vehicle.
In many cases, the policy may cover occasional drivers, but this is not automatic. Certain conditions apply, including the driver’s age, their driving record, and the terms set out in the policy. It is important to verify these conditions before loaning the vehicle.
Several options can help reduce your premium. Bundling multiple policies with the same insurer, installing an anti-theft device, choosing a higher deductible, or maintaining a good driving record are common ways to obtain a more competitive rate. A broker can compare available options and identify the discounts that apply to your situation.
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