It's about time.

Many of you that can relate to this. Working long hours at your career. Raising your families. Buying a home and paying all the bills related to being homeowners and parents. We're now retired and don't need all that work and expense. Now "It's about time" to follow our dreams.

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Tuesday, May 17, 2016

Getting Answers And Grass Trimming.


Our Location today is McGregor, Ontario, Canada.

Being awake at 7:00 in the morning once you have retired is no longer part of a schedule one should have to keep. A half hour later when my back demanded that I stop laying around is when I finally got out of bed. Opening the curtains in the other rooms the first thing I noticed looking out the rear window was the stick on thermometer that showed it to only be 41 F (5 C) outside. Even after having breakfast and returning to the computer the temperature showed no noticeable change.
Brian called saying that our Park Tags would be here soon and he directed me where to go to pay for them. Feeling the need to get some walking in I used the one errand, to bring the garbage and recycle to the Park Garbage and Recycle Center before continuing the walk to pay for our tags. Kathy had taken a second look at the thermometer and thought she’d stay in the warmth of the trailer. The walk was entertaining as I watched golfers bundled up with heavy jackets trying their luck on the greens.
On the weekend I’d received an E-mail that had me thinking seriously about something we all take for granted Auto Insurance. The question was as follows.

One question I have and maybe you could ask your readers is if any Ontario resident have found a way be outside the province continuously for longer than 6 months and not lose their auto insurance

My insurance provider says that if we spend 6 months in Tucson we then can not stop in Alberta on the way home to see relatives. if we came back to Ontario for a day that would reset the 6th month limit.

The kicker is we can be out of the province OHIP (Ontario Health Insurance Provider) wise for 7 months but not so with auto insurance

When I got back Home what I did was to contact our newly acquired auto insurance provider Wayfarer to get a straight answer. Once I had the information I then sent off an E-mail of my own.
 
Sorry for the delay regarding your question about being outside of Ontario for more than six months. Instead I chose to call my insurance broker at Wayfarer Insurance. We recently went through Wayfarer when our old insurance company State Farm said they would no longer insure us without a home address that we could prove we were residing at. Wayfarer caters to Fulltime RVers needs and our final bill is much less than through the traditional Big Name insurance companies.

What I was told is that each insurance company has what they call cut off dates and there is even one company that only allows you out of province for three months. Some are very adamant about the six months but others allow for occasional changes. If you push the seven months every year the company would drop you upon your next renewal telling you that it would be in your best interest to insure your vehicle where you spend the most time. If you only extend your travels once every few years some will allow your absence from Ontario for the full seven months at once. Just don't do it every year.

Double check with your insurance again explaining that it is only an occasional thing and if they hold fast to their beliefs I'd change company. The person I deal with and that clarified my coverage is Lee A. Argue at Wayfarer Insurance at  1-800-461-0318 or largue@wayfarerinsurance.com  I hope this will clarify what you needed to know.

I hope this will clarify this question with anyone else traveling out of province for extended periods of time. Make certain what your insurance provider will cover you and don’t make a habit of being out of province longer that six months at a time.
Around 4:00 this afternoon there was a strange sighting in the sky that we have hardly seen around here lately the Sun. The wind even died down causing an immediate rise in the temperature and by 6:00 the temp would reach 63 F (17 C) for the day. We didn’t waste any time getting outside and getting a few things done outside. After adjusting the exact location of our potted tree privacy curtain it was time to cut the grass. As I said last week the couple of times the grounds crew mowed and trimmed the grass on our site it was far from acceptable. Once I’d raked the fallen tree branches from the grass I used our Black & Decker battery powered mower trimmer to cut the grass. It is not as powerful as a gas powered lawnmower but it did a very neat, even cutting job and I didn’t have to wear hearing protection. It almost felt like I was running a carpet cleaner on the grass and there are no more dandelions.
Celebrating the nicer weather Kathy made a wonderful Caesar Salad and side to go with the steaks that I grilled on the Weber. Thanks for following along and feel free to leave a comment. Be Safe and Enjoy!

It’s about time.
Krackers

The World's Great Proverbs 

Don't throw out your dirty water until you get in fresh.

2 comments:

  1. Wayfarer has treated us very well for over 20 years. We discovered the 6 month policy years ago, easy to work around if you know the rules.

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  2. Your insurance question had me calling our insurer here in BC. She in turn had to call the underwriter. The short answer it that as long as you are traveling and not setting up permanent residency ( stay in an RV park for several months is allowed ) and return with in the policy terms which is for 12 months we can stay away for the full 12 months. BC allows us to be away for 7 months for medical insurance and once every 5 years we can be away for 24 months. See attached......

    7. Am I still eligible for an extended absence of up to 24 consecutive months if I have taken advantage of the additional one month absence in a calendar year?
    You may be eligible to take an extended absence of up to 24 consecutive months provided you continue to maintain your home in B.C. and you have been physically present in Canada for six of the twelve months immediately preceding departure. In addition, you must not have taken advantage of the additional one month absence during the year your extended absence begins or during the calendar year prior to your departure.
    Approval is limited to once every five years for an absence of up 24 consecutive months.

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