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RV Insurance for Full-Timers

by Looking for advice

Q. I'm thinking of becoming a fulltime RVer with no fixed address. Any suggestions for getting drivers licenses and RV insurance?

Marianne's Reply: I'm going to throw this one over to the many full-timers out there for their expert advice and comments but I think the first thing we need to establish is what your nationality is? Are you American? Canadian? It will make a difference.

Comments for RV Insurance for Full-Timers

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Mar 06, 2019
Not for full timers who aren't retired
by: Anonymous

I can confirm that Wayfarer still does not cover anyone other than retirees that go south for the winters for their "full time coverage". I've got to do some searching now for an alternative.. Fingers crossed!

Mar 04, 2018
Re: Wayfarer not cheap
by: Anonymous

I'm a bit confused by your comments about Wayfarer not being cheap, but then comparing it to the US. Have you compared their rates to other's offering the same insurance and coverage in Canada?

I'm all for comments but it's not extremely to the group when there isn't much you can compare to the US in terms of cost that isn't cheaper. Phone rates, clothing, electronics, etc.

Feb 27, 2018
Wayfarer not cheap
by: Anonymous

A new class A diesel pusher with discounts the quote for Ontario was $6000 a year yes that's 500 per month. That is a little over the top. Same rv in the states is 1400 year. Go figure.

Jun 14, 2017
No full-time insurance for those who are not retired
by: Anonymous

We are in the same situation as the Millers. Wayfarer will not insure us because my husband works and my blog is intended to make money. What are other Canadians doing who full-time, are not retired and still need to make money? How do we insure ourselves appropriately?

Apr 18, 2017
Wayfarer Insurance Refusal
by: Millers

Apparently, Wayfarer will only insure Retirees under their Full Timer Insurance. If you want to travel and blog (or work in any form) it voids their policy. This is incredibly frustrating. Does anyone know of a company that will insure non-retired full-timer RVer's? We're looking to travel through Canada and the US for about 18 months and are planning to blog and volunteer. We're from Ontario. Thanks in advance!

Apr 11, 2017
Thank you Steve at Wayfarer
by: Marianne

Thanks for replying to this directly, Steve. I hope it will clear things up for this follower and others. I continue to promote Wayfarer to all Canadian RVers. It's a great company and you've proved me right once again.

Apr 09, 2017
Offering RV insurance for full-timers for 20 years
by: Steve Martin

Thank you for your recent feedback.

I was admittedly disheartened to hear of our refusal of a request for full-timer RV insurance.

Wayfarer Insurance Brokers has been proudly offering RV insurance to full-timers for 20 years, so I'm unsure of what may have happened here, but please don't hesitate to contact us at 1.800.461.0318 or by email at so we can address the matter.

Mar 30, 2017
Wayfarer is refusing full-time RV insurance
by: Anonymous

Wayfarer in Ontario is refusing full-time RV insurance.

Just spoke to them a couple days ago.

Not sure why....

They say, "the companies don't want to do that".....


Feb 14, 2017
Can't believe the cost of Wayfarer
by: Anonymous

I keep reading Wayfarer are the cheapest but that's not my experience. They are 3 x time the amount of my current insurer Echelon.

Jul 23, 2016
Oregon Not Cheap For Motorhomes
by: Anonymous

Trailers might be cheap to register and license in Oregon. You have to get new tags every year.

Mar 04, 2013
Full-Time RV Insurance Alberta & BC
by: Steve Manville

Wayfarer is a great company for people that need fulltime RV Insurance in Ontario. RV Direct Insurance also does Full time RV Insurance as well for people that live in both Alberta and British Columbia. If you're thinking about making the jump you can go to our website and get a quote to see how much it would be to go full time. You can also give us a call at 1-866-771-7831

May 15, 2010
How to beat the system
by: Rattlesnake Joe

My wife and I sold our house and became full time RV'ers. We use Oregon as our residence because Oregon has no sales tax. We live half the year in Oregon. Usually the hot summer months and then its off to Arizona for a warm winter. We figure we live cheaper in Oregon because of no blasted sales tax, period. We buy all our big ticket items in Oregon and only food, gas and cheap rent in AZ [if we don't boondock].

We use a mail service here in Oregon to send us our mail while in AZ and use the RV Park address in Oregon for our mail when living in Oregon.

A family member is an insurance agent here in Oregon so we use him and he takes care of us really well so we don't worry about anything.

We register our SUV and travel trailer in Oregon too as it is sooooo cheap [less than a hundred bucks for both].

We get our drivers license in Oregon too. Cheap and we find an out-of-the-way Dept of Motor Vehicles to use so we don't have to take a number and wait. And did I mention OREGON IS CHEAP?

Just one word of caution...please keep this info under your hat. If the blasted government finds out they will tax us to death in Oregon too.

Oct 28, 2009
RV Insurance
by: Marianne

For Canadians, I can recommend Wayfarer Insurance ( Call 1-800-461-0318 for a free quote.

We shopped around and found no one could compare with their rates for our b-class RV and we liked their personal service (a real person actually answers the phone) so much that we eventually switched our car insurance over to them as well. The rates for the car were competitive too. We haven't had a claim, so can't say anything about that aspect.

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