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Old 12-29-2015, 02:44 PM   #1
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Insurance problem - Canadians?

Hi - we are stumped. Canadian insurance companies will only insure our RV for 6 months outside of Canada and will not extend the policy. Our RV is registered in Ontario. We would like to store our rig in Los Angeles rather than drive it home in the winter. Our son lives there. We cannot buy US insurance because the rig is registered in Canada. Don't know what to do. Any suggestions?

Thanks,
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Old 12-29-2015, 02:49 PM   #2
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Try Allied Ins.they deal with alot of Canadians 188-784-6787.Hope this helps
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Old 12-29-2015, 10:47 PM   #3
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You would also be advised to check with US Customs...they may consider that your unit will require formal Customs entry to the USA and that would bring a whole new set of issues.
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Old 12-29-2015, 10:56 PM   #4
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Quote:
Originally Posted by brian-nicola View Post
You would also be advised to check with US Customs...they may consider that your unit will require formal Customs entry to the USA and that would bring a whole new set of issues.
Good advice, leaving the vehicle in the US may trigger all kinds of requirements. In CA you might be required to license it there since it's in the state over 30 days (or at least that's the way it was some years ago).
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Old 12-29-2015, 11:01 PM   #5
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From what I've heard about the cost of storage in and around LA, it may be cheaper to drive it home.

Transfer of title to your son's name, may be worth a look , but registration costs in California may also be a shock.
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Old 12-29-2015, 11:06 PM   #6
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I would drive it home. We will not leave our rig in CA over the summer.
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Old 12-30-2015, 07:50 AM   #7
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I had a Canadian 5th wheel i left in Florida yr round with a Canadian plate on it,It was tied down and skirted ,no complaints,but things may be different now
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Old 12-30-2015, 11:16 AM   #8
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I know of someone on one of the forums who had a similar issue.
Bottom line he had to buy one in the US and had it registered there (they accepted the address of the campground he was using- can't remember the sate).
He has it insured/plated in the US and stores it during the summers. Drives partway north, stores it and uses the toad to get the rest of the way home. He does not bring it back across the border to avoid any problems.

Extreme but I guess it solved his problem.

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Old 12-30-2015, 05:36 PM   #9
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Good news! Progressive had no problem insuring us. There were no concerns re where the vehicle is registered. However, that being said, there may be concerns on our end when we present an American policy when it is time to renew registration in Canada! We shall see.

Thanks everyone!
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Old 12-30-2015, 05:53 PM   #10
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You could have tried The Cooperators... I'm with them and there was no mention of a limit for storage in US..
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Old 12-31-2015, 08:16 AM   #11
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Usually we are asked if we will be leaving anything in the US. Better check with Canadian and US Customs, you may be able to buy insurance but if something goes sideways trouble may be had collecting....
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Old 12-31-2015, 12:06 PM   #12
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Another item to consider is renewing your registration/plates while the RV is out of the country. I understand that most provinces require/expect that the vehicle is present in their jurisdiction at the date of registration, and may ask to see the vehicle when reissuing next years plates. My understanding is that a vehicle located "out of province" can not legally have its registration renewed until it is back in the province. I believe insurance renewal follows the same convention.

Also, most areas in Canada require that you register a vehicle in the jurisdiction it will be left in/stored in/operated in within somewhere between 30 and 90 days of its arrival in that jurisdiction. It may be worth looking into the California regulation on that.

Is it possible to carry your Canadian issued insurance for the 6 "operating" months, and only carry "storage" insurance while the coach is left in the U.S.A.?
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Old 12-31-2015, 12:34 PM   #13
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Again, I would strongly urge you to verify with US Customs. Neither US or Canada Customs have any sense of humour any more and the last thing you want is a CBP/BSO seizing your motorhome.
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Old 12-31-2015, 12:51 PM   #14
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Another little twist to consider is many states require you to change registration / licensing on your vehicles if you are there more than 90 days. Obviously many snowbirds ignore this requirement, and I think the states look the other way, but you never know......

Another option may be to take out " storage only " insurance on the RV for the period it is off the road. No sense in paying full rates when no collision or liability issues will arise.
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