$4500/yr car insurance with three star?
 

My wife (with 5 years of UK no claims history and 5 additional years of named driving experience on a company car) has just received a 3 star car insurance quote of $4500 per year... this includes a discount as it's a group policy organized by her professional organisation.

I gave Johnson's a call (as per the Wiki) and they didn't even WANT to provide us with a quote. They did refer us to "belair direct" who duly produced a $6017 quote !!!

Any suggestions ?
Thanks !
:confused:

Re: $4500/yr car insurance with three star?
 

Take an advanced drivers course in Canada.?

Live near a bus route...

Shop around more, often dealing with a human broker in the flesh can help with getting any no claims recognised, but yes, as you are finding out, insurance is a rip off.

Get an old crap beater mobile, insure it for liability only ($2M is the recommended minimum now), and put the largest deductable you think you can afford on it, $1000, $2000, more?

Then with a canadian history future premiums will come down.


Where are you and what are you trying to insure out of curiosity, not that vehicle makes much difference here.

Re: $4500/yr car insurance with three star?
 

Move to a Province with Govt run and no private insurance companies such as Saskatchewan, Manitoba etc:lol:
There are lots of companies who will give outrageous quotes tell us where you are and Im sure someone will suggest a company.

Re: $4500/yr car insurance with three star?
 

Mississauga.

(I know someone who's going to laugh now... never mind :rofl:)

Re: $4500/yr car insurance with three star?
 

The bad news is that Johnsons are the one often suggested for the GTA....

See suggestions above about buying a beater and insuring minimally with maximum deductable.

On the plus side at least Missisiagua has decent transit should you decide insurance isnt worth it.

Re: $4500/yr car insurance with three star?
 

35yo female, veterinarian, 5 years no claims & 5 additional years named driving experience in UK, never any claim, accident, ticket or points.

2008 Mazda3 Hatchback. Already signed for.

Re: $4500/yr car insurance with three star?
 

Shop around more, doesnt seem to me that she should be that much of a risk?

Failing that put the highest deductable on the policy that they will allow and see what that does for premiums?

Re: $4500/yr car insurance with three star?
 

Ok, I've gotten a quote from TD, Desjardins, belair, Johnsons, and the professional organisation's group insurance.

NONE of those companies are willing to take her UK no claims history into account, and as a result the cheapest quote is $4000/year.

Where are we going wrong?

Re: $4500/yr car insurance with three star?
 

Johnsons let us use our no claims bonus that was 5 1/2 years ago we were well under $1,000 for 2 vehicles. still with them still under $1,000 for 3 vehicles now. Were in cape breton don't know if that makes much difference
I do know they don't give you full ncb same as when you go back to blighty they don't give you full ncb thats how they make the big bucks $$$$$

Re: $4500/yr car insurance with three star?
 

Just called State Farm for an additional quote. They say (and I quote):

"There aren't any insurance companies in Canada that take UK no-claims history into account"

Can anyone confirm that their insurance co. took their UK history into account? Or did they just say they did???? Confused now...!

Re: $4500/yr car insurance with three star?
 

Also, everyone wants to know the date her Ontario driving license was issued (January 2012 !)

When I explain she's been driving on a UK licence since 1995, they say they can't take that into account either...
(Exchanged UK licence for Canadian G a few days ago)

Re: $4500/yr car insurance with three star?
 

Did you try TD online to see what appears?

Re: $4500/yr car insurance with three star?
 

Yes - TD came up with the best quote: $4035/yr.

Edited to add: have not checked online - will try. I would have thought the online system would definitely not take UK history into account, as it's only designed to deal with straightforward cases? So what do I fill in when the system asks me how much of a history I have? If I fill in 4 years, I'm pretty sure the company will jack up the rates once they figure out it's not North American driving experience?

Re: $4500/yr car insurance with three star?
 

Stephenson and Hunt, London, Ontario. We pay $1200 for a Mazda Tribute 4 x 4 2litre manual. Moved over August 2011. They asked for verification from UK insurer re no claims Must point out that original quote from them was $2700 but we put the Mazda under the business (OH is self employed) and we have house contents insurance and public liability insurance with them and we did our temp 3 months medical insurance with them as well so the price dropped somewhat.

Re: $4500/yr car insurance with three star?
 

Thank you! I will try them out 1st thing tomorrow !! :eek: