insurance is certainly a concern your right, but I can assume the risk myself.
Ice is less present year to year, a friend of mine just bought a fiberglass amor 40 that made succesfully the north west passage last year and he is not the only one that made it in a plastic boat.
Sail-World.com : North West Passage Ahoy - seven yachts and counting...
Maybe I should change my question: what are the conditions the keep a plastic boat in the winter in Canada? A lot of people did it or doing it right now, I won't be the first, just want to know how to make it the right way.
So what I need? Bubblers, 360 degrees protection (I guest it's not all boat winterizing in the water that as that protection), heating inside the boat, 2x4 around the boat ???
I won't be liveaboard, my house is 2 minutes from the boat so I can keep an eye on it.