super_camper wrote:
Tripalot wrote:
Above suggestion of driving to Alberta would not do any good - MH cannot be out of Ontario for more than 6 months.
Actually, since I read your post I was curious as I am planning an extended trip as well so I called my broker about this.
The broker had to call the underwriter to get figure this out as it's not a common request. They tell me their limit is 6 consecutive months in the united states, there is no limit within any province in Canada. As long as the insured RV is returned to Canada before 6 consecutive months is up they are OK. They also said it can go right back into the US and stay another 6 months.
Their recommendation to stay for a longer period is to take insurance through a US provider. Their rationale is the RV is considered primarily US based if stay exceeds 6 months.
What you found out is similar to our findings, however to get coverage with a US provider, the RV has to be registered in the US and have US plates - something we would not want to do for a one time trip.
Our insurance broker has informed us they will provide coverage under certain conditions. The RV has to be stored in a locked, monitored facility. If there is any claim, they will not provide coverage in the future.
Also they state the RV cannot be out of Ontario for more than 6 months as opposed to be out of Canada. Also this scenario cannot be repeated on a regular basis. The agent referred to it as
"declination rules". We are thinking it will be easier to drive home and then return south again when convenient.
