Property right is a joke in Canada

[REDD]

Originally Posted by rahasiyam

@REDD: And with Service Ontario, do you have some information for the register in RV ?

I went to the Ministry to change it into my name, already had safety and e-test done, painted, at this point empty...1 seat. In my hand I had a print out I made with the list of things I required plus vin number, gvw, length and some other info for my own use. The girl behind the counter had never done a conversion so she made a call to someone and while on the phone she asked me " do you have 4 of the 6 on this list" and I replied yes, I have all 6. But didn't tell her they were in my shed and garage and the bus was empty.
So as it stands now I have it in my name, fit, MH, UN PLATED. So I went for insurance....that's where I ran into a snag, they want pics of my motor home that looks like a van.

[rahasiyam]

It's more simple than the SAAQ in Quebec

Thanks for the info !

[prof.fate]

There is a loophole i've heard about - if you have a farm you can have a 'farm truck' and as long as you don't travel more than 100mi from your farm you don't need registration..therefore no insurance.

and people do drive tractors and such on the road here and obviously don't have registration or insurance.
A couple of HS's have a 'senior tractor day' where the HS seniors drive their tractors to school.

https://beavercountyradio.com/news/f...lass-last-day/

https://www.facebook.com/SSHSMrPaull...type=3&theater

Originally Posted by jazty

Prof.fate: I'm not sure.. Was that a rebuttal to my post? Because I was in agreement with you with my first post! Just asking because you quoted me at the bottom of your post..

You don't legally need insurance to own a vehicle or a house. You DO legally need insurance if you want to drive a vehicle on the public road system (or a house on the road, for that matter).

Save

[prof.fate]

Too many poeple won't or can't stand up if they do something. So you need insurance to be sure the innocent victims are covered.

Originally Posted by frankpeng

Citizens are slaves of insurance company and the government.

[prof.fate]

so...since you lied to the DMV don't stop there - grab few pics of any RV from this site and give it to your insurance company. Done.

now..it just so happens teh day after you took the pics you stripped it for a remodel, right? RIGHT?

Here in PA if you want classic or antique plates on your car the car needs to be STOCK..no aftermarket wheels. You can't use it as a daily driver.

Guess how many people follow those rules?

Originally Posted by REDD

I went to the Ministry to change it into my name, already had safety and e-test done, painted, at this point empty...1 seat. In my hand I had a print out I made with the list of things I required plus vin number, gvw, length and some other info for my own use. The girl behind the counter had never done a conversion so she made a call to someone and while on the phone she asked me " do you have 4 of the 6 on this list" and I replied yes, I have all 6. But didn't tell her they were in my shed and garage and the bus was empty.
So as it stands now I have it in my name, fit, MH, UN PLATED. So I went for insurance....that's where I ran into a snag, they want pics of my motor home that looks like a van.

[REDD]

Originally Posted by prof.fate

so...since you lied to the DMV don't stop there - grab few pics of any RV from this site and give it to your insurance company. Done.

now..it just so happens teh day after you took the pics you stripped it for a remodel, right? RIGHT?

Here in PA if you want classic or antique plates on your car the car needs to be STOCK..no aftermarket wheels. You can't use it as a daily driver.

Guess how many people follow those rules?

I didn't lie my friend, the woman asked me a question and I answered it truthfully. She was vague on the question, I was the same on the answer.

Insurance company wants pics from an appraiser...inside and out....I could still run into the same issue finding insurance. They haven't said no, yet.

Same here in Onterrible Canada, vintage cars and historical plates, stock and you need another vehicle insured to prove it's not a daily driver...in order to get the cheaper insurance rate. You also need and appraisal for that vehicle.

[prof.fate]

you knew what she meant. your bus isn't an rv..the parts aren't installed.

I could say my car is an RV..the parts are just on the shelves at home depot at the moment.

here the state will accept a pic from whomever.

As for insurance..never been asked for a picture, even when I had a classic car or camper or cargo trailer or boat..

Insurance has popped by to check the house though, driven by, etc. And have said 'do this or that or we won't renew your policy' - as in remove a tree, redo a roof, change a railing.

so go put the sink/toilet/bed in there and have him come look, take pics. Tell him it's winterizes so no, he can't run the water or flush the toilet,

Originally Posted by REDD

I didn't lie my friend, the woman asked me a question and I answered it truthfully. She was vague on the question, I was the same on the answer.

Insurance company wants pics from an appraiser...inside and out....I could still run into the same issue finding insurance. They haven't said no, yet.

Same here in Onterrible Canada, vintage cars and historical plates, stock and you need another vehicle insured to prove it's not a daily driver...in order to get the cheaper insurance rate. You also need and appraisal for that vehicle.

Save

[Hank's P-O-S]

Originally Posted by frankpeng

I lived in communist nation where no human rights and property rights. But here in Canada the insurance company and the government actually control our property. Let fight for our property rights. I am paining in my ass I bought a school bus and took off all seats but no insurance company would insure it as a RV and the government would not give me a plate because it is not insured. I live in miserable Ontario, a socialist province, many youth went ISIS.

Christ bud..... You need to be grateful you live in a peaceful country, without constant threat of attack from terrorist organizations.

If you don't like Canada you CAN LEAVE, you are not a prisoner of this country.
First off, you DO NOT have an RV. Taking the seats out does not make it an RV. A school bus without seats is a 5 ton truck with a van body, it is a commercial vehicle.

To insure it as an rv, it needs to be an rv like others have said.
If you need to move your bus, I know that Ontario has temp tags. USE THEM THEY ARE YOUR FRIEND.

I have driven many times on temp tags because i know a vehicle will not pass an inspection.

Although I do live in the land of the free.....Manitoba! Without yearly inspections or smog regulations. You could probably register a washing machine here! Its all on faith with our wonderful "Manitoba Public Insurance" If it is in your name, they have to insure it! You don't even need pictures, all you need is to check a box that says you paid all pst!

Now I'm just being rude, rubbing all my wonderful freedom in your face, but I don't want you in this country if you hate it that much!

[jazty]

Teeheehee.. That was a great post.

It's interesting that mandated private insurance in Ontario has brought prices up compared to the provincial insurance systems that many other provinces have adopted. Privatization is not a universal answer...

[banman]

Originally Posted by davidbarker

Even if it is your own land you can't live on wheels. (They should revise the law since more people like the tinny houses idea) you can't even park an rv in your driveway in some areas. If you are building you can get a special right and have time to live in your bus/rv. For more detail, you can consult a property lawyer.

This is probably to protect the environment since a bus/rv parked on "private property" isn't hooked up to septic system and the constant splash of gray water is a ground water hazard to wildlife and innocent neighbors...
Then there's whatever local code about black-water...

[gs1949]

A few years ago a good friend of my son's got kicked off his own land about 30 or 40 miles NW of Calgary. They were building a house, all the permits and early inspections were done. This guy worked in the building trades with my son. The wife and 2 kids were there. They had an RV and a big tent. The township, which is what they have in Alberta instead of counties, booted them off and they had to go stay at a commercial campground, about 15 miles away, until the township inspectors had cerified the property as fit for human habitation.

So they definitely interfered with these people's ability to use their property. They could not camp there, even overnight, or sleep on the couch in the nearly finished first floor of the house, without potentially being charged in Provincial Court by the township, which often turns into a very expensive situation. The Court can impose fines and take your property if you don't pay on time.

This kind of thing is enabled by provincial legislation, so it varies between provinces. I don't know what the situation is now with different provinces. But 40 years ago I had some good friends who bought a quarter section of part timber and part hayfield, 160 acres, pretty much right in the middle of British Columbia and just moved on there and started building things, no building permits, inspections or any govt intervention whatsoever. They never had any issues, and eventually they even got the provincial driveway to take over maintenance of their long and steep driveway. This was after my friend built a roadbed that met provincial specifications.

I have no idea if this sort of thing ever occurs anymore, but i doubt it very much.

[PNW_Steve]

Originally Posted by Geo Jeff

I don't understand the insurance plate issue. I know how it works but don't you have a option to have Broad form liability insurance. Lets you have insurance on anything you drive. I've had it for years for like 50$ a month for a bunch of crap I have that I don't want to fully insure. I also have transport plates which in Washington any one can get with a business license. Then plates are good for anything you want to move on a highway. and each set of plates is $2.00 after the $50 fee each year.
But my point is broad form fixes all the issues fro those not wanting to get a replacement value policy. Really do you expect to be made whole with your bus crashes or burns. I wouldn't count on it I expect they look at the title work and see you paid $500 for it and offer you $100.

Do they have that in Communist Canada? Also we have some Hollywood actors headed that way can you let us know when they get there.

Is Broad Form insurance available in Ontario?

Insurance in Canada is very different than the US.