Insurance for Ontario Full-Timers

Unfortunately one needs a brick & mortar address in Ontario and basically every Province in Canada. OHIP ( Ont Prov health insurance), Drivers Licence, Insurance, etc.. For health insurance you have to be physically in the Prov for 7 consecutive months to qualify and thereafter are allowed 180 days a year outside the Prov. A physical address is required as a measure to prevent Fraud. For a DL and Veh insurance the same applies a physical address. It's very expensive to be a full-time or snowbird in Canada having to maintain a residence as well. Some rent and maintain an Apartment year round with mail forwarding etc.. Others use a daughter/son's address as a permanent residence. Others camp and stay at a purchased or long term rental site in a campground/resort all summer utilizing that address for Insurance, licence requirements etc.. then head south for the winter.
Revenue Canada also likes to know what Prov you reside in, not only for tax purposes but also Prov tax credits available to residents. Not easy to be full-timers in Canada.

Nui wrote:
My sisters live in Ontario and are full-time RV'ers. They spend 6 months in Ontario and 6 months as snowbirds. Recently, they were told that they could not get insurance for their Class A Motorhome because they don't have a fixed Ontario address. This is ridiculous! Surely they aren't the only full-timers in Ontario. What does everyone else do? Any help would be appreciated.

Its impossible not to have a fixed address so their mixed up over part of this; as said above its mandatory to have a fixed address within the province otherwise U have no passport no driver licence No tax return no medical coverage etc etc etc
Its easy to be full timers BUT you absolutely must have a legal mailing address;; the big issue is medical coverage if somehow they find out your not in the province ariound 6 months of the year they can cut you off for a 90 day period (I base that on BC regulation)
however there is no program in place that iam aware of that tracks a persons movements with in Canada (other than EMB) LOL

Hi - thanks for the update. They have a fixed address for mail, medical etc. but because they don't live there, the insurance company won't cover them. Short of renting a room somewhere, I think they may have a problem.