Go Back  British Expats > Living & Moving Abroad > Canada
Reload this Page >

$4500/yr car insurance with three star?

$4500/yr car insurance with three star?

Old Jan 20th 2012, 2:18 pm
  #46  
Forum Regular
 
Joined: Sep 2009
Posts: 118
marknh is just really nicemarknh is just really nicemarknh is just really nicemarknh is just really nicemarknh is just really nicemarknh is just really nicemarknh is just really nicemarknh is just really nice
Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
Like I said before, 35 yo female, veterinarian, licenced since 1995, on company car insurance since 2002, on her own insurance since 2007, completely spotless history. Last car insurance renewal in the UK was £250 PER YEAR fully comp !
Just to add my 2 cents worth.. We are using Allstate. They used 3 years of my uk driving history. We have a 2009 Kia and the cost $1500 for the 2 of us. Thats compared to the first quote i got which was nearly $7000. We live near Cambridge Ontario
marknh is offline  
Old Jan 20th 2012, 2:56 pm
  #47  
BE Enthusiast
Thread Starter
 
Joined: May 2011
Posts: 860
FlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Originally Posted by marknh View Post
Just to add my 2 cents worth.. We are using Allstate. They used 3 years of my uk driving history. We have a 2009 Kia and the cost $1500 for the 2 of us. Thats compared to the first quote i got which was nearly $7000. We live near Cambridge Ontario
Thanks! Do you have the contact details of the agent still ?
FlyingDutchman6666 is offline  
Old Jan 20th 2012, 3:01 pm
  #48  
Procrastinating
 
Hobbess's Avatar
 
Joined: Nov 2007
Location: Calgary, Canada
Posts: 475
Hobbess has much to be proud ofHobbess has much to be proud ofHobbess has much to be proud ofHobbess has much to be proud ofHobbess has much to be proud ofHobbess has much to be proud ofHobbess has much to be proud ofHobbess has much to be proud ofHobbess has much to be proud ofHobbess has much to be proud ofHobbess has much to be proud of
Default Re: $4500/yr car insurance with three star?

Stumbled across this site this morning through redflagdeals - http://www.ratesupermarket.ca/

It looks like car insurance quotes are only good for Ontario - which works in this case. I didn't work through the process so no idea how good it is.

It does look like the site has a decent list of products for mortgage compares, savings etc. Not quite as good as moneysavingsupermarket in the UK but might be useful to some.
Hobbess is offline  
Old Jan 20th 2012, 3:05 pm
  #49  
Assimilated Pauper
 
dbd33's Avatar
 
Joined: Mar 2005
Location: Ontario
Posts: 38,555
dbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

I think what's killing this is probably the lack of a credit history. A company I, ahem, know well, loads the premium three times if the prospective customer has a poor credit rating or won't allow a search. I think the best bet is to keep trying companies in the hope of finding one that doesn't use that as a factor, ideally one that still discounts for female drivers. Did you try TD Meloche Melons (or similar), they're reputed to be behind the times technically.
dbd33 is offline  
Old Jan 20th 2012, 3:12 pm
  #50  
BE Enthusiast
Thread Starter
 
Joined: May 2011
Posts: 860
FlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Originally Posted by marknh View Post
Just to add my 2 cents worth.. We are using Allstate. They used 3 years of my uk driving history. We have a 2009 Kia and the cost $1500 for the 2 of us. Thats compared to the first quote i got which was nearly $7000. We live near Cambridge Ontario
Thanks! Just called the Cambridge office, and the quote came to $5633 !

This is all quite amusing
FlyingDutchman6666 is offline  
Old Jan 20th 2012, 3:12 pm
  #51  
Moderαtor Emeritus
 
iaink's Avatar
 
Joined: Sep 2003
Location: Upstate South Carolina
Posts: 30,760
iaink has a reputation beyond reputeiaink has a reputation beyond reputeiaink has a reputation beyond reputeiaink has a reputation beyond reputeiaink has a reputation beyond reputeiaink has a reputation beyond reputeiaink has a reputation beyond reputeiaink has a reputation beyond reputeiaink has a reputation beyond reputeiaink has a reputation beyond reputeiaink has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Originally Posted by Hobbess View Post
Stumbled across this site this morning through redflagdeals - http://www.ratesupermarket.ca/

It looks like car insurance quotes are only good for Ontario - which works in this case. I didn't work through the process so no idea how good it is.

It does look like the site has a decent list of products for mortgage compares, savings etc. Not quite as good as moneysavingsupermarket in the UK but might be useful to some.
It doesnt deal well with an insurance history longer than license history, or an absence of g1 / g2 license. Kanetix.ca at least offers the option of previous foreign licensing now IIRC.
iaink is offline  
Old Jan 20th 2012, 3:14 pm
  #52  
Living in the Truman Show
 
Joined: Jul 2011
Location: land of make believe
Posts: 265
gillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of lightgillyd65 is a glorious beacon of light
Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
Ok I got in touch with Stevenson & Hunt, London, Ontario. They said YES we'll take her UK driving experience into account!! Whoohoo !! Then they produced a quote for... wait for it... $6534 per year !!

We may have got ours cheaper with Stevenson and Hunt due to having multiple insurances with them? or we live in London and not GTA? Clutching at straws really.
gillyd65 is offline  
Old Jan 20th 2012, 3:18 pm
  #53  
Lost in BE Cyberspace
 
Joined: Nov 2011
Location: Somewhere between Vancouver & St Johns
Posts: 18,079
Former Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond reputeFormer Lancastrian has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
Thanks! Just called the Cambridge office, and the quote came to $5633 !

This is all quite amusing
As the Village People sang (or Pet Shop Boys) Go West
BC Manitoba & Saskatchewan all Govt agency insurance.
Former Lancastrian is offline  
Old Jan 20th 2012, 4:05 pm
  #54  
Binned by Muderators
 
Joined: Jul 2007
Location: White Rock BC
Posts: 11,631
JonboyE has a reputation beyond reputeJonboyE has a reputation beyond reputeJonboyE has a reputation beyond reputeJonboyE has a reputation beyond reputeJonboyE has a reputation beyond reputeJonboyE has a reputation beyond reputeJonboyE has a reputation beyond reputeJonboyE has a reputation beyond reputeJonboyE has a reputation beyond reputeJonboyE has a reputation beyond reputeJonboyE has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

This site only compares fatal accidents - not fender benders but to quote

"There are 1.34 times more fatal car accidents in United States of America than in Canada (compared to the number of cars)."

There are 1.07 times more fatal car accidents in Canada than in Great Britain (UK) (compared to the number of cars).

http://www.maki-car-rental.com/rent-...-fatality.html
JonboyE is offline  
Old Jan 20th 2012, 4:10 pm
  #55  
Assimilated Pauper
 
dbd33's Avatar
 
Joined: Mar 2005
Location: Ontario
Posts: 38,555
dbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Originally Posted by JonboyE View Post
This site only compares fatal accidents - not fender benders but to quote

"There are 1.34 times more fatal car accidents in United States of America than in Canada (compared to the number of cars)."

There are 1.07 times more fatal car accidents in Canada than in Great Britain (UK) (compared to the number of cars).

http://www.maki-car-rental.com/rent-...-fatality.html
I'm still trying to convert all the Canadian numbers to miles. ****ing government, has to complicate everything!

A quick glance at the chart in your link though shows more deaths per kilogram in Canada than in the US. All the European countries are much safer. Alas, it doesn't show the Asian countries.

Last edited by dbd33; Jan 20th 2012 at 4:13 pm.
dbd33 is offline  
Old Jan 20th 2012, 5:45 pm
  #56  
BE Enthusiast
Thread Starter
 
Joined: May 2011
Posts: 860
FlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Just a quick update... apparently the crazy quotes are due to us living in fair Mississauga. Rates for Milton (16km further out from Toronto) are almost half. Also I got some discount for taking out contents insurance, and there'll be another discount for a second car.

We're still talking $3700-odd a year though... quite a shock !

I have a feeling there's money to be made by starting an insurance company specialising in "new Canadians"... just like grey power for the 55+ market. If I knew anything about the insurance business, I'd make it happen straight away !
FlyingDutchman6666 is offline  
Old Jan 20th 2012, 5:55 pm
  #57  
Lost in BE Cyberspace
 
Almost Canadian's Avatar
 
Joined: Aug 2005
Location: South of Calgary
Posts: 13,043
Almost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond reputeAlmost Canadian has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
I have a feeling there's money to be made by starting an insurance company specialising in "new Canadians"... just like grey power for the 55+ market. If I knew anything about the insurance business, I'd make it happen straight away !
Trouble is, the driving ability of the new Canadians is such that, if they are of Asiatic orgin and if they drive as badly across Canada as they do in Calgary, the premiums collected will nowhere near cover the cost of the damage caused.
Almost Canadian is offline  
Old Jan 20th 2012, 6:04 pm
  #58  
Assimilated Pauper
 
dbd33's Avatar
 
Joined: Mar 2005
Location: Ontario
Posts: 38,555
dbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond reputedbd33 has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Originally Posted by Almost Canadian View Post
Trouble is, the driving ability of the new Canadians is such that, if they are of Asiatic orgin and if they drive as badly across Canada as they do in Calgary, the premiums collected will nowhere near cover the cost of the damage caused.
A problem for the new insurer is that it's not lawful to discriminate based on country of origin. Similarly, depending on the province, it may not be lawful to discriminate based on age or sex. The companies are left to set the rate based on the worst case.
dbd33 is offline  
Old Jan 20th 2012, 6:13 pm
  #59  
Born again atheist
 
Novocastrian's Avatar
 
Joined: Jul 2005
Location: Europe (to be specified).
Posts: 30,252
Novocastrian has a reputation beyond reputeNovocastrian has a reputation beyond reputeNovocastrian has a reputation beyond reputeNovocastrian has a reputation beyond reputeNovocastrian has a reputation beyond reputeNovocastrian has a reputation beyond reputeNovocastrian has a reputation beyond reputeNovocastrian has a reputation beyond reputeNovocastrian has a reputation beyond reputeNovocastrian has a reputation beyond reputeNovocastrian has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Originally Posted by Former Lancastrian View Post
I see nobody has commented on why the rates are so high in the GTA area
This is what happens when you live in the centre of the universe
On this point, I agree with you completely for once. Insurance in Ontario is a rip off. I was lucky when I came back to the GTA to find (through a broker) a company who would accept my 8 year claim free record from Germany and by now I have the lowest possible rate available.

But I've just bought my kid (in Regina) an old runabout (a 2001 Corolla). Although he's driven on my policy for several years, he's never had a policy in his name anywhere, ever.

He's paying $78 a month through the Saskatchewan provincial insurance scheme. That's $936 a year. I'd expect $3-4,000 in the GTA.
Novocastrian is offline  
Old Jan 20th 2012, 6:15 pm
  #60  
BE Enthusiast
Thread Starter
 
Joined: May 2011
Posts: 860
FlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond reputeFlyingDutchman6666 has a reputation beyond repute
Default Re: $4500/yr car insurance with three star?

Originally Posted by dbd33 View Post
A problem for the new insurer is that it's not lawful to discriminate based on country of origin. Similarly, depending on the province, it may not be lawful to discriminate based on age or sex. The companies are left to set the rate based on the worst case.
That's true, but take the (purely hypothetical) case of, say, a Belgian and a Dutch person with 10 years of driving history in the UK. The company would set rates (and discriminate) based on where the NCD was incurred (and its quality) - which doesn't mean they discriminate on country of origin, right?
FlyingDutchman6666 is offline  

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.