Insurance

One would think that getting auto and home insurance should be simple. Well not if you do not have a permanent address. Our mail is being forwarded to a Toronto friend. The only property that we maintain is the cottage north of Montreal in Chertsey, P.Q. We do not get mail here because we will not be here on a regular basis. In the Spring we will have the cottage rebuilt. That is why we will be back in the Spring for a short time.

Because we will only be in Quebec for 15 days it does not make sense to transfer registration to Quebec. Fair enough. We will maintain Ontario insurance until we cross the border into Mexico at which time our Ontario policy will be cancelled. We then need Mexico auto insurance. This makes sense also. Now the tricky part. When we return to Canada in April we need to continue Mexico insurance to get us back to Quebec. Then we can get Quebec plates and Quebec insurance.

More tricky stuff. We will only be staying in Quebec for a few months and then moving permanently to Mexico. Will an Insurer provide us insurance for such a short time? We will wait and see.

Housing insurance is worse. Because we do not have a permanent address our Insurance Company will not insure the Cottage nor our belongings which we have stored in a locker in Montreal. Crazy. Out intent is to move the remainder of our stuff to Mexico when we return next Summer. Let us hope that there is no fire at the Storage Company before we return. Maybe we will use a Moving Company to move our stuff to Mexico and they can insure during the transfer.

Keep watching for more Insurance posts as this story will surely evolve.

Lessons learned: When leaving the country, go once, forget a transition.