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$4500/yr car insurance with three star?

$4500/yr car insurance with three star?

Old Jan 23rd 2012, 1:11 pm
  #76  
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Default Re: $4500/yr car insurance with three star?

Is this where we all start singing
The wheels on the bus go round and round, round and round etc etc
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Old Jan 23rd 2012, 2:50 pm
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Default Re: $4500/yr car insurance with three star?

I am actually in the opposite position (leaving Canada to the UK), but have lived here all of my life and had to deal with some of these issues when my husband (from the UK) moved here.

Depending on your immigration status/visa type/situation, you may be able to get a cheaper rate through your sponsors college/uni. alumni discount.

We went through www.melochemonnex.com and found it to be the best possible rate we could get. It didn't take very long for the monthly amount to drop either. After about a year we were paying close to what our friends were paying living in the same area of the GTA.

Just my 2 cents

Last edited by iaink; Jan 23rd 2012 at 2:59 pm.
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Old Jan 23rd 2012, 5:19 pm
  #78  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by dbd33 View Post
No. There aren't named drivers in Canada (at least not in provinces where there's commercial car insurance). What there is is "any driver" policies for which the premium is based on all the drivers in the household. Typically, if a person is named on a policy it's as an excluded driver.
Ah well, so I'll have to bite the bullet just like everyone else then.

I think I'll start taking up a completely reckness driving style, after all that's what seems to be expected of me
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Old Jan 23rd 2012, 5:27 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
Ah well, so I'll have to bite the bullet just like everyone else then.

I think I'll start taking up a completely reckness driving style, after all that's what seems to be expected of me
Its worked so far for dbd33
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Old Jan 23rd 2012, 5:28 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
Ah well, so I'll have to bite the bullet just like everyone else then.

I think I'll start taking up a completely reckness driving style, after all that's what seems to be expected of me
Or be totally irresponsible and drive without insurance like quite a few do

That is a fact not an irresponsible statement just in case Novo is reading this thread
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Old Jan 23rd 2012, 5:52 pm
  #81  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by Aviator View Post
Not in BC. The vehicle is insured and anyone who is licensed and with the owners permission can drive it. You have to name a principal driver, the premium is based on this, one can put restrictions on the policy, such as no drivers with less than 10 years experience. If you don't have an insurance policy in your own name, you don't build up a claims history. You could have 20 years experience, but if you have had no insurance policy in your name, you have no insurance history, so no discounts.
Weird, my wife has max no claims benefit even though she lived in the UK for 8 years. It's based on how long she had her licence, not her actual driving and/or insurance history.
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Old Jan 23rd 2012, 5:55 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by Former Lancastrian View Post
Or be totally irresponsible and drive without insurance like quite a few do )
I did that for a decade or so, saved quite a lot that way.
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Old Jan 23rd 2012, 6:10 pm
  #83  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by el_richo View Post
Weird, my wife has max no claims benefit even though she lived in the UK for 8 years. It's based on how long she had her licence, not her actual driving and/or insurance history.
Tell us more... How did she manage to get it recognized?
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Old Jan 23rd 2012, 6:20 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
Tell us more... How did she manage to get it recognized?
She's Canadian so had a licence from the get go. Plus we're in BC.

Our discount was based on her years of having her BC licence, nothing more. So that was nice.
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Old Jan 23rd 2012, 6:23 pm
  #85  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by dbd33 View Post
No. There aren't named drivers in Canada (at least not in provinces where there's commercial car insurance). What there is is "any driver" policies for which the premium is based on all the drivers in the household. Typically, if a person is named on a policy it's as an excluded driver.
Well, here in Alberta (commercial insurance and all!) both my wife and myself are named on the car policy, and we certainly ARE NOT excluded!
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Old Jan 23rd 2012, 6:24 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by el_richo View Post
She's Canadian so had a licence from the get go. Plus we're in BC.

Our discount was based on her years of having her BC licence, nothing more. So that was nice.
The private insurance companies in Ontario have got a splendid little game of "rip off the new Canadian" going on, it seems

Great if you can get away with it. I blame lack of competition.
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Old Jan 23rd 2012, 6:25 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by YoshiPal2010 View Post
Well, here in Alberta (commercial insurance and all!) both my wife and myself are named on the car policy
On the pink slip? Is there wording along the lines of "to be driven only by Mr and Mrs YoshiPal2010"?
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Old Jan 23rd 2012, 6:28 pm
  #88  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
The private insurance companies in Ontario have got a splendid little game of "rip off the new Canadian" going on, it seems

Great if you can get away with it. I blame lack of competition.
Welcome to Canada
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Old Jan 23rd 2012, 6:49 pm
  #89  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by el_richo View Post
Welcome to Canada
Where are the financial masters of the universe with knowledge of the insurance industry, setting up competing insurance services?

Perhaps they're all collecting bonuses in London?
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Old Jan 23rd 2012, 7:05 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by dbd33 View Post
On the pink slip? Is there wording along the lines of "to be driven only by Mr and Mrs YoshiPal2010"?
Yes, there is. My mistake!
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