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Full-Timer's Insurance Ontario, Canada

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Full-Timer's Insurance Ontario, Canada

Unread postby Willowbeez on Wed Jun 14, 2017 4:04 pm

Hello Everyone, new here so apologize if this has been answered somewhere else. DH and I have recently sold our home, bought a new truck and trailer to begin full-timing across Canada and the US. Our home base is Ontario. When attempting to get quotes for our RV insurance, we found we were excluded from full-time RV insurance because DH is not retired. Apparently you have to be retired, and make no money from any type of blog etc in order to qualify for FT RV insurance here in Ontario.

My question is this. How do people who are from Ontario get insurance for their RV when they intend on living in it? Any info would be greatly appreciated.

Info for reference.

We maintain an apartment for one of our children in Ontario. This gives us an address for OHIP and our driver's licence but we have no intention or capacity to live there. We do have tenants insurance but would prefer to have a stand alone RV policy if possible.

Thanks in advance!
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Re: Full-Timer's Insurance Ontario, Canada

Unread postby RonJK on Thu Jun 15, 2017 11:35 am

Hi and welcome to the forum and the full time RV lifestyle.

We are from BC and when we went fulltime we have a PO box that is listed as Suite # so all mail going to that address goes to a suite. This way we got our mail forwarded anytime we need to and have an address for residential requirements.

Every province is different as far as medical coverage and time frames spent in province to keep your medical coverage.
If you maintain an apartment why not use that as your residential address, whether you live there or not.

Enjoy the trip. We did the cross Canada trip ourselves and we do have a pretty awesome country.
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Re: Full-Timer's Insurance Ontario, Canada

Unread postby Willowbeez on Thu Jun 15, 2017 12:52 pm

Hi RonJK thanks for the reply. What did you do if I may ask for insurance on the RV, like replacement cost, contents etc? Because my husband is t retired we couldn't get RV insurance through the only RV insurer in Ontario for these items. Thanks again.
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Re: Full-Timer's Insurance Ontario, Canada

Unread postby RonJK on Fri Jun 16, 2017 11:55 am

In British Columbia we have government insurance which you have to buy the basic insurance form. Then you can use private for optional coverage.
We have no way to get replacement unless the unit is under 3 years old.
Contents in an RV in BC is covered by home insurance, not vehicle insurance.
Our system out west is a bit different than the rest of the country, except maybe Saskatchewan.
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