, you can get pretty screwed pretty quickly if you let car insurance
lapse or try to reinstate it after not having any for a while. Basically, your licence has to remain valid and your insurance coverage has to remain continuous- otherwise there's a long, expensive hassle to get it back a few years later when you need it again.
You don't have to own the car, or be the primary driver, though. You just have to be licensed, and to be listed as a driver on some Ontario
car insurance policy, somewhere.
My suggestion- for Ontarians, at least, and anyone under a similar mandatory, privately run system- would be to set the address on your driver's licence to the home of a trusted family member
, and pay that family member
the small additional premium to list you as an occasional driver on their car. Your insurance record
thus stays intact for when you return home and want to get your own car and policy again.