Who is insuring your RHD FD?
05-03-11, 12:52 PM
#26
I'm with dominion of canada.
I called them ( they were already my insurance company)
said "Hi, I'd like to insure my 1992 nissan, vin number BNR32-whateveritis"
2 weeks later a card showed up in the mail along with a bill for $90 every month.
I called them ( they were already my insurance company)
said "Hi, I'd like to insure my 1992 nissan, vin number BNR32-whateveritis"
2 weeks later a card showed up in the mail along with a bill for $90 every month.
05-03-11, 12:56 PM
#27
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The broker I was with when I had my RHD FD was Cambridge Insurance. They hooked me up with wawanesa, and then later to Lant ( silver wheels ). I am not sure who still does RHD cars but they were extremely helpful when I was getting quotes.
The guys name is Tim Deemert office # is 519-653-6072. I think he has different role now so they might try to give you to another agent. If you have no luck try emailing him directly. tdeemert@cibl.ca
Super nice guy, knows a ton about cars, and also stinky skylines :p
ps. wawanesa does not do modified cars. If yours is modified you might be out of luck.
The guys name is Tim Deemert office # is 519-653-6072. I think he has different role now so they might try to give you to another agent. If you have no luck try emailing him directly. tdeemert@cibl.ca
Super nice guy, knows a ton about cars, and also stinky skylines :p
ps. wawanesa does not do modified cars. If yours is modified you might be out of luck.
05-03-11, 01:01 PM
#28
The broker I was with when I had my RHD FD was Cambridge Insurance. They hooked me up with wawanesa, and then later to Lant ( silver wheels ). I am not sure who still does RHD cars but they were extremely helpful when I was getting quotes.
The guys name is Tim Deemert office # is 519-653-6072. I think he has different role now so they might try to give you to another agent. If you have no luck try emailing him directly. tdeemert@cibl.ca
Super nice guy, knows a ton about cars, and also stinky skylines :p
ps. wawanesa does not do modified cars. If yours is modified you might be out of luck.
The guys name is Tim Deemert office # is 519-653-6072. I think he has different role now so they might try to give you to another agent. If you have no luck try emailing him directly. tdeemert@cibl.ca
Super nice guy, knows a ton about cars, and also stinky skylines :p
ps. wawanesa does not do modified cars. If yours is modified you might be out of luck.
In mid-2010 they filed a rule against RHD cars. This means if your car is RHD, they say no.
-Geoff
05-03-11, 03:48 PM
#29
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Yes I read that. I am sharing information that might help. The broker I mentioned above helped me find 2 places that would insure rhd cars. He might know more places, and that's why I gave his info.
02-17-13, 10:37 PM
#31
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Hey Geoff I read you post about insuring RHD, but I have one question, when you stump the broker with the filed rule, and I comes down to the vin number, it doesn't come up in the system, how do you go about getting them to recognize that and your car,
Thanks
Justin Wilson.
Thanks
Justin Wilson.
Last edited by RHDLIFE; 02-17-13 at 10:42 PM.
02-20-13, 10:17 AM
#33
Facility is the only option for highly modified cars 99% of the time.
The other 1% is when you have a daily driver which is less than 5 years old and you have a locked storage area for your 2nd car you can get specialty insurance. You also need to be over 25 with a full G license for over 10 years.
-Geoff
02-20-13, 10:21 AM
#34
Hey Geoff I read you post about insuring RHD, but I have one question, when you stump the broker with the filed rule, and I comes down to the vin number, it doesn't come up in the system, how do you go about getting them to recognize that and your car,
Thanks
Justin Wilson.
Thanks
Justin Wilson.
If no, then don't worry about it and tell them to write your damn policy.
If yes, then contact the VICC with 4 pictures of your car + a picture of the VIN plate + Firewall VIN and ask to be registered on the VIN exception list. Provide a copy of their reply to show you've registered your VIN with the VICC and that it is on the exception list now therefore it does not require VICC recognition.
-Geoff
02-20-13, 01:55 PM
#35
Wait, you must mean over 27? How can one be 25, with ten years of a full g license!? I got my full license the earliest anyone possibly can, and i was 17 and 8 months... Either way, the option you mention here would put me in the 1%, what would that mean in rate comparison to the other 99%?
Thanks,
Thanks,
No more than anyone else could. (more or less).
Facility is the only option for highly modified cars 99% of the time.
The other 1% is when you have a daily driver which is less than 5 years old and you have a locked storage area for your 2nd car you can get specialty insurance. You also need to be over 25 with a full G license for over 10 years.
-Geoff
Facility is the only option for highly modified cars 99% of the time.
The other 1% is when you have a daily driver which is less than 5 years old and you have a locked storage area for your 2nd car you can get specialty insurance. You also need to be over 25 with a full G license for over 10 years.
-Geoff
02-20-13, 02:48 PM
#36
Wait, you must mean over 27? How can one be 25, with ten years of a full g license!? I got my full license the earliest anyone possibly can, and i was 17 and 8 months... Either way, the option you mention here would put me in the 1%, what would that mean in rate comparison to the other 99%?
Thanks,
Thanks,
If you move to Canada from another country and get your license translated and notorized you will receive your full G license from the ministry of transportation, credited back to your original first licensing date. Some countries and jurisdictions do not establish 16 as the age at which you can drive.
Canadian Example: Alberta allows you to obtain your learners permit at 15. If you were to move to Ontario at age 25 with your Alberta license (and you obtained your learners permit at 15) all the records that I would have access to a a broker would show you as being G licensed at 15.
-Geoff
02-20-13, 02:52 PM
#37
Wait, you must mean over 27? How can one be 25, with ten years of a full g license!? I got my full license the earliest anyone possibly can, and i was 17 and 8 months... Either way, the option you mention here would put me in the 1%, what would that mean in rate comparison to the other 99%?
Thanks,
Thanks,
I'm not sure I understand your rate comparison question. My reply regarding ages and years of holding a certain class of license applied only to eligibility with select specialty insurance providers. Nothing to do with rates offered.
-Geoff
02-22-13, 11:19 AM
#39
Hey Cloud pump what is the correct response to give to insurance brokers when they ask about other people living in your home - are you legally required to tell them that to get auto insurance or is that just a fact finding mission on their part to pester the rest of my family with insurance propositions?
02-22-13, 03:53 PM
#40
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I'll answer that one^. They need to know about other members of your household with licences. This is because they could grab your keys and take your car for a drive. If your the worst person for insurance in your household you have nothing to worry about, otherwise you can insist that you get a form (can't recall the proper name of it right now) and have them sign it saying they will not drive it.
02-23-13, 10:14 AM
#41
What djphonics said is pretty much right.
The insurance company does have a right to know who else is in your household that holds a valid license, be it a roommate, a family member or spouse.
These people do not need to be listed on your policy if they are insured elsewhere on their own car or listed as an occasional operator on a policy.
If there is someone in your household who has a terrible driving record who is not insured elsewhere you can request that this person be excluded using an OPCF 28a form. This means that they cannot operate your vehicle under any circumstances, even emergencies and if they are caught driving, you will be charged with fraud and they will be charged with Operate Motor Vehicle - No Insurance.
However this prevents their record from impacting your policy.
-Geoff
The insurance company does have a right to know who else is in your household that holds a valid license, be it a roommate, a family member or spouse.
These people do not need to be listed on your policy if they are insured elsewhere on their own car or listed as an occasional operator on a policy.
If there is someone in your household who has a terrible driving record who is not insured elsewhere you can request that this person be excluded using an OPCF 28a form. This means that they cannot operate your vehicle under any circumstances, even emergencies and if they are caught driving, you will be charged with fraud and they will be charged with Operate Motor Vehicle - No Insurance.
However this prevents their record from impacting your policy.
-Geoff
02-24-13, 09:19 AM
#42
What djphonics said is pretty much right.
The insurance company does have a right to know who else is in your household that holds a valid license, be it a roommate, a family member or spouse.
These people do not need to be listed on your policy if they are insured elsewhere on their own car or listed as an occasional operator on a policy.
If there is someone in your household who has a terrible driving record who is not insured elsewhere you can request that this person be excluded using an OPCF 28a form. This means that they cannot operate your vehicle under any circumstances, even emergencies and if they are caught driving, you will be charged with fraud and they will be charged with Operate Motor Vehicle - No Insurance.
However this prevents their record from impacting your policy.
-Geoff
The insurance company does have a right to know who else is in your household that holds a valid license, be it a roommate, a family member or spouse.
These people do not need to be listed on your policy if they are insured elsewhere on their own car or listed as an occasional operator on a policy.
If there is someone in your household who has a terrible driving record who is not insured elsewhere you can request that this person be excluded using an OPCF 28a form. This means that they cannot operate your vehicle under any circumstances, even emergencies and if they are caught driving, you will be charged with fraud and they will be charged with Operate Motor Vehicle - No Insurance.
However this prevents their record from impacting your policy.
-Geoff
BUT, the drunk next door that's lost his license for DUI twice and has been in more accidents than he can count, can borrow your car all you like without affecting your rates or needing to be on any insurance policy. (as long as he's currently licensed, anyway)
Ontario, where nothing makes sense.
FWIW my RHD cars are currently insured through hagerty, I pay less per year than my previous insurance company wanted per month after they renewed my policy. Because that makes sense too. And I have way, way better coverage now - 30k stated value, completely full coverage, and they know every detail of the car including what mods it has, etc - They don't care, they only want to know what's on it so that they can cover it if something happens.
After dealing with hagerty once, I have a real hard time giving my money to anyone else . They're just /so/ much better.
02-25-13, 07:36 AM
#43
BUT, the drunk next door that's lost his license for DUI twice and has been in more accidents than he can count, can borrow your car all you like without affecting your rates or needing to be on any insurance policy. (as long as he's currently licensed, anyway)
Ontario, where nothing makes sense. <SNIP>
Ontario, where nothing makes sense. <SNIP>
If your neighbour is borrowing your car on a frequent basis then he becomes an occasional operator. At what point "frequent" becomes "occasional operator" is a matter for the courts to decide.
Additionally. If you lend your car to someone, you're also lending your insurance policy. If the person you lend your car to has a claim this can impact your eligibility with your company as well as your driving record.
-Geoff
03-26-13, 01:37 PM
#44
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Hi Geoff,
I tried your guide on the previous page, I called a broker and they gave me quotes for the top three companies, and when i then asked 'does this company have a filed rule about right hand drive' they said yes and when i asked for them to put it in writing that i was being declined because of the filed rule, the lady wouldn't and (can't remember exactly what she said when i asked why she wouldn't put it in writing) but she said it was something to do with the underwriter.
So my question is, if i've gone through the quote process and been given an amount for company x,y,z must the broker legally provide me with something in writing stating that i'm now being declined because of the filed rule? If so, what can i tell the broker so they are aware that i know they must provide me something in writing?
Also, is contacting the insurance company directly instead of through a broker any better to try and force them to either insure me or send me something in writing that i'm being declined because of the RHD filed rule?
Thanks a lot for your insight in this thread, it is much appreciated.
Zac
I tried your guide on the previous page, I called a broker and they gave me quotes for the top three companies, and when i then asked 'does this company have a filed rule about right hand drive' they said yes and when i asked for them to put it in writing that i was being declined because of the filed rule, the lady wouldn't and (can't remember exactly what she said when i asked why she wouldn't put it in writing) but she said it was something to do with the underwriter.
So my question is, if i've gone through the quote process and been given an amount for company x,y,z must the broker legally provide me with something in writing stating that i'm now being declined because of the filed rule? If so, what can i tell the broker so they are aware that i know they must provide me something in writing?
Also, is contacting the insurance company directly instead of through a broker any better to try and force them to either insure me or send me something in writing that i'm being declined because of the RHD filed rule?
Thanks a lot for your insight in this thread, it is much appreciated.
Zac
03-27-13, 07:52 AM
#46
Hi Geoff,
I tried your guide on the previous page, I called a broker and they gave me quotes for the top three companies, and when i then asked 'does this company have a filed rule about right hand drive' they said yes and when i asked for them to put it in writing that i was being declined because of the filed rule, the lady wouldn't and (can't remember exactly what she said when i asked why she wouldn't put it in writing) but she said it was something to do with the underwriter.
So my question is, if i've gone through the quote process and been given an amount for company x,y,z must the broker legally provide me with something in writing stating that i'm now being declined because of the filed rule? If so, what can i tell the broker so they are aware that i know they must provide me something in writing?
Also, is contacting the insurance company directly instead of through a broker any better to try and force them to either insure me or send me something in writing that i'm being declined because of the RHD filed rule?
Thanks a lot for your insight in this thread, it is much appreciated.
Zac
I tried your guide on the previous page, I called a broker and they gave me quotes for the top three companies, and when i then asked 'does this company have a filed rule about right hand drive' they said yes and when i asked for them to put it in writing that i was being declined because of the filed rule, the lady wouldn't and (can't remember exactly what she said when i asked why she wouldn't put it in writing) but she said it was something to do with the underwriter.
So my question is, if i've gone through the quote process and been given an amount for company x,y,z must the broker legally provide me with something in writing stating that i'm now being declined because of the filed rule? If so, what can i tell the broker so they are aware that i know they must provide me something in writing?
Also, is contacting the insurance company directly instead of through a broker any better to try and force them to either insure me or send me something in writing that i'm being declined because of the RHD filed rule?
Thanks a lot for your insight in this thread, it is much appreciated.
Zac
(note: if she is an agent, not a broker, you will need to complain to OSFI, Office of the Superintendent of Financian Institutions, they regulate agents)
-Geoff
04-23-13, 12:00 AM
#47
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Freakin Insurance Company!
I just got off the phone with Hagerty and they wanted me to have a Daily driver..
I got one..an 1988 RX7..(not the 86 that I have tossed my LIFE into.)
they will not do the application as the car is too old..
I need insurance for my HOPPED UP TII...If not it's parting time..dammit..(sorry,end Rant..and exhale!)
I just got off the phone with Hagerty and they wanted me to have a Daily driver..
I got one..an 1988 RX7..(not the 86 that I have tossed my LIFE into.)
they will not do the application as the car is too old..
I need insurance for my HOPPED UP TII...If not it's parting time..dammit..(sorry,end Rant..and exhale!)
04-28-13, 12:37 PM
#49
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FWIW my RHD cars are currently insured through hagerty, I pay less per year than my previous insurance company wanted per month after they renewed my policy. Because that makes sense too. And I have way, way better coverage now - 30k stated value, completely full coverage, and they know every detail of the car including what mods it has, etc - They don't care, they only want to know what's on it so that they can cover it if something happens.
After dealing with hagerty once, I have a real hard time giving my money to anyone else . They're just /so/ much better.
After dealing with hagerty once, I have a real hard time giving my money to anyone else . They're just /so/ much better.
Freakin Insurance Company!
I just got off the phone with Hagerty and they wanted me to have a Daily driver..
I got one..an 1988 RX7..(not the 86 that I have tossed my LIFE into.)
they will not do the application as the car is too old..
I need insurance for my HOPPED UP TII...If not it's parting time..dammit..(sorry,end Rant..and exhale!)
I just got off the phone with Hagerty and they wanted me to have a Daily driver..
I got one..an 1988 RX7..(not the 86 that I have tossed my LIFE into.)
they will not do the application as the car is too old..
I need insurance for my HOPPED UP TII...If not it's parting time..dammit..(sorry,end Rant..and exhale!)
05-01-13, 09:21 AM
#50
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so i got a response from my broker:
"Hi Martin - I have confirmed with Hagerty that they would consider right hand driven vehicles - 1985 or older
Other than that we don’t have any other market for 86-and up
Let me know if I can help out anyone from the car club
Karen"
she deals with 3 or 4 specialty insurance company's so i was hopping for some magic. sorry guys.
Geoff is the expert here and his ad vise is looks sound to me!
"Hi Martin - I have confirmed with Hagerty that they would consider right hand driven vehicles - 1985 or older
Other than that we don’t have any other market for 86-and up
Let me know if I can help out anyone from the car club
Karen"
she deals with 3 or 4 specialty insurance company's so i was hopping for some magic. sorry guys.
Geoff is the expert here and his ad vise is looks sound to me!