as the title states looking for companies and prices myself

 

I'm with lant silver wheels. Insurance on rhd in Ontario are dropping like flies. Plus, the market is saturated, unless you want to pay high premium $500-700 high risk, then call allstate, they insure rhd vehicles. Check out torontogtr forum, you will see what I mean...good luck!

 

you need a 10 yr driving record to be considered for LANT.

 

I'm with The Personal, but everything else is with them as well, home and at the time 3 other vehicles. I needed a professional appraisal to get a 19a with full value replacement and only 5k to 10k driving allowance a year. Also I'm a old fart with a perfect driving record, they probably would not of touch it otherwise. I try Lant last year but at the time they were not interested till the car was 20 years old and way to many restrictions such as I could not drive it to work, only collector related event with a top mileage of 5K a season.

 

The Personal insures RHD?..........SWEET, thats who i've been with for over 6 years.
I asked once when i was on the phone before, but he wasnt sure i didnt want to wait to find out. that'll make gettin my FD on the road easy as pie

 

I heard Wawanesa also insures them but I didn't call them. You have to go through a broker though.

thewird

 

chubb, through AON broker

 

call a broker!!

 

As of mid 2010 Wawanesa filed a rule against RHD cars. (Translation: No, they don't insure them anymore)

-Geoff

 

Only 2 companies will insure it as ive found, Faculty (high risk insurer) and Desjardin but they require an extremely thorough Inspection and the car im looking at isnt exactly stock

 

There are TONS of companies that will insure a RHD vehicle.

A partial list off the top of my head:

State Farm
Allstate
Royal & Sun Alliance
Intact
Guarantee Company of North America
Dominion (I haven't dealt with them in over two years but when I did in the past RHD wasn't an issue)
Lant
Haggarty
Aviva
AXA

There are plenty more, but I only put 2 seconds of thought into making that list.

Here's the Cavet though: I own and drive a RHD FD, I'm also an insurance broker. You would think that I would be doing my own insurance. I'm not. My brokerage has internal rules as to what I can write and my car doesn't fit those rules.

THIS is likely the toughest obstacle in getting your car insured.

-Geoff

 

I've been getting a few messages about insurance and I figured I'd toss up a quick list of things that are making you pay more than you'd like

The car is likely the least of your problems. If you trip any of the following conditions, you're going to pay a ton no matter whether you're driving a caprice classic or a ferrari.

If you:
-Are under 25
-Have a G1
-Have a G2
-Have a G for less than 5 years
-Have a Toronto address
-Have 3 moving violations (of any kind, "oh it's no points" doesn't mean anything to insurance) in the past 3 years
-Have one Serious/Major/Criminal moving violation in the past 3 years
-Have an alcohol related conviction on your license in the past 6 years
-Have missed a payment on your vehicle insurance in the past 3 years
-Have no prior insurance
-Have had any form of accident in the past 6 years

Then you're totally pooched and it has nothing to do with the car and everything to do with your driving history.

-Geoff

 

I am over 25 Have had my g for more than 5 years No convictions no missed payments and no accidents

I called 3 brokers, state farm And Allstate all said No, all the brokers said Only Faculty would insure it

 

Call them back.

You're going to get some resistance, but here's how you fight that.

When you call a broker to insure your car, the LAST thing you want to tell them is that it's RHD. Not because you're hiding anything, but because you don't want them to start immediately trying to get rid of you.

Call and say:

Hi my name is ___ and I'm looking to get a quote on car insurance.

Provide them with the correct mailing address that appears on the VEHICLE OWNERSHIP

Give them details about the vehicle:

Year/make/model, if they ask for the VIN say you don't have it handy at the moment.

Honestly and truely answer questions like: Tickets? Accidents? Cancellations for Non-Payment of policy premium? (no point in fibbing, we'll find out anyways)

You'll muddle about with some other questions, answer honestly.

*IMPORTANT PART*

Once you've received your quote, ask for their next two closest prices AND the name of each insurance company (also look at their website in advance and see what companies they deal with, ask for the price each company offers) that is providing that rate. Write this stuff down.

If you like any of those three prices, ask the broker: "Does (company X) have a Filed Rule against right hand drive vehicles?" (filed rule is the magical wording here) If the broker says "yes" then ask for them to put IN WRITING that they are declining you auto insurance based upon (Company X's) filed rule. (This is called "calling their bluff")

If any broker puts in writing that they will not/can not provide you with auto insurance for any reason that is untrue*, they are subject to a $24,000 fine and will lose their license to sell insurance.

*VALID reasons to not provide insurance:

-Your license is currently suspended
-Your vehicle is not registered in YOUR name
-You or your vehicle trip a Filed Rule with the insurance company

Facility (not Faculty, that's a B grade 90's movie) is the last ditch effort for the worst drivers out there. You're getting pitched this because they know that you don't know any better and they don't want to put in the (minimal) extra work to write your policy.

-Geoff

 

ICBC $91 a month with full coverage.

 

Although I'm in the states, I pay $23/month for minimum coverage with Mercury.

 

Geoff you are the Man Im going to do all that stuff when I get the chance That Post Alone should be Stickied in this thread

 

my only question is.... is that just for Ontario, or is that a nation wide ruling...

I know in alberta it is iliegal (or it was to not provide insurance to one wanting it) they just get around that by charging stupidly high rates... (this was told to me by a family friend that is/was a broker...)


J.

 

Can you recommend a broker?

Because honestly, I've spent the last 3 weeks fighting with brokers and insurance companies trying to get insurance on a GTR, and I ended up with facility...$700/month.

No effing joke.

I'm 24, live in caledon, 1 ticket. Have had insurance/still have insurance on another vehicle for the last 8 years. None of that other stuff you mentioned applies.

Harassing them and pushing them to work only makes them not want to deal with you, I really hate insurance brokers, because its mandatory here they're honestly so lazy, theyre like the equivelant of government workers.

I don't knwo what you do in the industry, but honestly, insurance in the GTA doesn't help you. it's a disservice if anything. They make driving unaffordable and in general are out to screw you while making record profits, they can go to hell.

FYI: As of April 1, 2011 all of the insurance companies, including Dominion of Canada (which everyone with a skyline is with it seems) has dropped insuring RHD vehicles, so good luck renewing your policies.

 

I am only licensed to operate in Ontario, I can't speak to the laws of any other province.

-Geoff

 

Could I?
Yes.

Will I?
No.

Besides the fact that you're 24 with a ticket (and you didn't mention what the ticket was for) which will make you pay through the nose anyways (24 is not 25). The misunderstanding is this,

Here's how insurance REALLY works:

FSCO (the Financial Services Comission of Ontario) regulates insurance companies. FSCO has a law that called the "Take All Comers Rule" This means that if you LEGALLY QUALIFY (see: Do not disqualify by tripping a Filed Rule) that insurance company MUST provide you with insurance accoring to their filed insurance rates with the province at that time.

Insurance companies HATE the Take All Comers Rule.

So... here's what happens in the real world.

For my brokerage to sell you insurance with Company X, the principal broker in my office must have a contract with that company to sell their insurance product. Company X will send their marketing rep to our office with some "VERY STRONG SUGGESTIONS" on what Company X is really looking for in clients. (They want clients who have never had an accident, have no tickets, are over 30, own a home, live in a certain area)

Now that marketing rep can't come right out and say "ONLY PROVIDE INSURANCE TO PEOPLE WHO FIT THESE EXACT CONDITIONS" because that would be illegal and break the Take All Comers Rule, thus subjecting Company X to massive fines.

They ARE allowed to suggest their "Target Client" and in the real world, if I, or any of my broker friends, write too many non-target-clients with Company X, they will simply cancel our contract to write insurance with them. Cancelling the contract could cost my brokerage... millions. Literally millions.

At the same time, you as a consumer do have rights. Most people don't know **** about what they're entitled to when it comes to auto insurance (none of what I'm saying applies to anything other than auto insurance). Follow the very rough guidelines I posted a few posts up, you'll be amazed at how much further you'll get.

The reason I'm not going to reccomend you someone is the same reason I don't even do my own insurance: I'd be screwing a friend in the process.

-Geoff

 

I turn 25 on the 22nd of this month.

The ticket is for making a right at a red light on yonge street at 2am...no points, no nothing.

I live in Caledon, its a nice area.

I hate your entire industry and everyone in it, now help a brother out?

 

Those arent guidelines, those are just methods for wasting my time and the brokers.

Not that I havent wasted enough time with them.

Is there an overseeing board that brokerages have to get licensed from that I can complain to?

I find it pathetic that you work in an industry that values 'old boys club' friendships over the best service for the client. There's no other place in the world besides the GTA where insurance companies can rape us this bad.

I'm going to make calls all week, and try various things until I get a reasonable quote.

Keyword: try.

 

Wait until after the 22nd then. 24 is not 25. If you were to set up your insurance on the 21st of the month when you're still 24, they don't care that you turn 25 the next day. Insurance is a contract for a period of one year (or six months in certain cases) based upon the terms agreed upon at the INCEPTION of the contract. Terms are not modified during the peroid of the contract unless there is a material change in risk (at the discression of the insurance company).

-Geoff

 

Those ARE guidelines. And those are in no way "methods of wasting time".

I have written down a very easy to follow guideline on how to get insurance on a RHD car, if you're not willing to do it, or you feel that it's too tough, that's not my problem.

How do you think *I* got insurance on my car? I can't call up any of my broker friends or even do it myself because:

1) If I insured my car at my brokerage, I would be fired within 24 hours. I am not exaggerating or bending the truth, I have watched many a co-worker be escorted out the door for violating brokerage policies.

2) If I called up a broker friend... I wouldn't have a friend for much longer. Yes, I could legally force their hand (which is EXACTLY what the above guidelines show you how to do) but I'd be setting a friend up to get canned.

For me to get insurance I had to do exactly what everyone else had to do. Call someone I don't know, haven't met, probably never will and jump through hoops.

Before I called, I checked the brokerage's website to see that they deal with Company X, Company Y and Company Z.


"Hi, My name is Geoff XXXX and I'm looking to get a quote on car insurance"

"Sure Geoff, happy to help, could I get your address please?"

"I live at XXX XXX XXX"

"And what do you do for a living?"

"You're not allowed to ask me that"

"Sorry, we ask because we may be able to offer additional discounts"

"Discounts or not, you're not allowed to ask me what I do for a living in regards to auto insurance"

"Year make and model of your vehicle?"

"1992 Mazda RX-7 Twin Turbo"

"What's your date of birth?"

"November 4, 1981"

"When did you get your G1, G2, and full G license?"

"I got my G1 in October of 1999, I went through driver training and got my G2 8 months later, then my G one year after that"

"Are you currently insured?"

"No, my car has been in storage over the winter, I have however had previous auto insurance for a number of years"

"Within the past 3 years has any auto insurance policy in your name been cancelled for non-payment of policy premium or material misrepresentation?"

"No"

"Within the past 3 years have you received any traffic tickets of any kind"

"No"

"Within the past 6 years, have you been involved in any form of auto accident or insurance claim?"

"No"

"How about within the past 10 years?"

"No, the last claim I've made against auto insurance was over 11 years ago, and that was a theft claim"

"Just give me a minute here and let me work out your quote"

"Thanks"

"Ok Geoff, based upon the information you've provided me, the best rate that I have coming back for you is $XXXX with Company X"

"Could you also tell me the prices you have coming back with Company Y and Company Z?"

"Sure, Company Y was $XXXX+1 and Company Z was $XXXX+2"

"Thanks. Now I need to ask you a question: Does Company X have a filed rule against insuring Right Hand Drive cars?"

(At this point the broker starts to sweat because he knows he's boned)

"I'll have to check their underwriting manual and get back to you"

"I'll hold"

"Sir, it doesn't seem that they do, but unfortunately we're not looking to write your type of risk at our office"

"Well, that's unfortunate because you're going to have to, you are legally bound to provide me insurance that I qualify for, whether you like to or not, please draft up the application and send it to me to sign"

************************************************** *******

Yadda yadda yadda, that's how you get insurance.

You're going to have to do some of the work yourself, this isn't going to fall easily into your lap, there's no broker out there that's going to happily walk you down the path to cheap and easy insurance on your RHD sports car.

You may legally qualify for it, but you need to do some work yourself.

-Geoff