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$4500/yr car insurance with three star?

$4500/yr car insurance with three star?

Old Jan 24th 2012, 1:49 pm
  #106  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by Former Lancastrian View Post
If you are moving to Yellowknife as in YZF you will even have less options as it is private insurance companies up there....
I'd suggest YZF is his chosen motosickle flavour.
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Old Jan 24th 2012, 1:56 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by dbd33 View Post
Private companies offering "even less options" than what?

It's not germane but the Cooperators isn't a private company, btw, the clue is in the name.

It does surprise me that there are AB companies writing business in the Yukon, I didn't think there were any in AB, what are they called?
Well we can agree on that it is private insurance up there. Maybe the Co-Op isnt a private company per se but they are the biggest company offering private insurance up there.
True YK is the short form of the Yukon Territory but is also accepted as being short for Yellowknife which is located in the Northwest Territories.
As for which companies do offer coverage in Alberta for the NWT I dont recall as I ended up getting my coverage through the Co-Op.
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Old Jan 24th 2012, 2:01 pm
  #108  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by R I C H View Post
I'd suggest YZF is his chosen motosickle flavour.
It might well be but once he sees quotes for coverage then one of these might become his new user name
http://www.trekbikes.com/ca/en/team/subarutrek/
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Old Jan 24th 2012, 2:05 pm
  #109  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by Former Lancastrian View Post
It might well be but once he sees quotes for coverage then one of these might become his new user name
http://www.trekbikes.com/ca/en/team/subarutrek/
Bike insurance need not be prohibitive, if you can get acceptance of no claims history. I pay $100 p/mth for a ZX10-R.
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Old Jan 24th 2012, 2:07 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by R I C H View Post
Bike insurance need not be prohibitive, if you can get acceptance of no claims history. I pay $100 p/mth for a ZX10-R.
$100 a month doesnt seem pricey to you?
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Old Jan 24th 2012, 2:18 pm
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Default Re: $4500/yr car insurance with three star?

Originally Posted by R I C H View Post
Bike insurance need not be prohibitive, if you can get acceptance of no claims history. I pay $100 p/mth for a ZX10-R.
Try insuring that bike in Manitoba for the same amount

http://www.ebrandon.ca/messagethread...89200&cat_id=9
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Old Jan 24th 2012, 3:02 pm
  #112  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by iaink View Post
$100 a month doesnt seem pricey to you?
Not really, it's not that dissimilar to what I paid for a similar class of bike in the UK, but I insured year round there, whereas here just for 6 months. Not really any pricier than a seasons pass for the ski hill.
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Old Jan 24th 2012, 3:17 pm
  #113  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by R I C H View Post
Not really, it's not that dissimilar to what I paid for a similar class of bike in the UK, but I insured year round there, whereas here just for 6 months. Not really any pricier than a seasons pass for the ski hill.
In Ontario my boss cant insure his bike for just 6 months... crazy. He can insure his Miata for summer only as its a second vehicle, but he gets screwed over his bike insurance, and premiums keep rocketing up here too...
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Old Feb 10th 2012, 1:58 pm
  #114  
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Default Re: $4500/yr car insurance with three star?

Husband and I are with Johnsons they accepted our UK history. Husband has 6* and I have 4*. We found them to be cheap her we moves here June 10, we used RBC first and was expensive the went to Johnsons after being here 6 months.
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Old Feb 10th 2012, 8:46 pm
  #115  
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Default Re: $4500/yr car insurance with three star?

Have you tried Intact? They took into consideration our UK history (via a broker at Ensurco) and we got it for $3500 or so. They put it up in the 2nd year but I got a better quote at TD ($2700 I think) and went with them. We were in downtown Toronto.

Interestingly we got a new car about a month after the new policy started, changing from a Mazda 3 hatchback to a small SUV and it came down $80 a month, so the car sometimes does make a difference. Probably because of the typical driver profile of a Mazda 3....

The $4000 quote is not far off the mark though I'm afraid...not much you can do!
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Old Feb 11th 2012, 12:14 am
  #116  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
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...!
I actually spoke to Allstate today and was told they would not take into acct my husbands UK driving history. BUT the insurance company we have been using (as I was considering changing) do take into acct his 30 yr driving history and they took our letter from insurance agent from UK as well. Now not sure if my driving history with this same company years prior me going to UK had anything to do with it. But our ins for 2 vehicles has never been over 2,000/yr. The first one was 3 yr old 4 wheel drive suv when we got it and the other was 4 yr old, so maybe age of car has to do with it as well, who knows. Insurance companies here can pick and choose who they want and will gouge the air out of your body if they can, it needs better regulation.
But you need to live in the area here I think to make it worth your while, but again one never knows.
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Old Feb 12th 2012, 3:12 am
  #117  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
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...!
We both had our full NCB recognised and were awarded 5 stars by Intact. We're in Alberta and pay approx $900 for a 2010 outlander and $1000 for a 2009 dodge journey.

Good luck!
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Old Feb 12th 2012, 3:17 am
  #118  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
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 !
We have just moved to Oakville 3 weeks ago, managed to get 2 cars insured one a 2002 Freelander the other 2009 Dodge Nitro for $2100... the company gave us a 6star rating as we took our tenants insurance with the same company which is why we got such a good deal, we used Oakville Insurance Brokers on Lakeshore Rd (Carolyn Tucker)... she did point out that she was very surprised at the rates we got as she expected higher, she lives in Mississauga and said her premiums are higher than mine..

Hope she can help you out if you are not yet sorted..
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Old Feb 12th 2012, 11:34 am
  #119  
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Default Re: $4500/yr car insurance with three star?

Thanks for all the recommendations! We've been told that the stratospheric premium we pay is almost entirely due to living in Mississauga. If we we were to move to Halton (Milton/Oakville) then the premium would be cut in half straight away...!

In the end, we managed $3700-something per year, for one person and one car, by taking out property insurance with the same company. I had previously refused to consider that possibility, thinking that it was a sales trick. But it does seem possible to pay less overall by taking out extra insurance?! I've long given up trying to understand how the insurance business in Canada works.

By the way, I've run these premiums past an ex-colleague who is familiar with the UK insurance business, and he was floored by the quotes. His first comment was: "someone must be making an awful amount of money"
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Old Feb 12th 2012, 2:11 pm
  #120  
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Default Re: $4500/yr car insurance with three star?

Originally Posted by FlyingDutchman6666 View Post
By the way, I've run these premiums past an ex-colleague who is familiar with the UK insurance business, and he was floored by the quotes. His first comment was: "someone must be making an awful amount of money"
He fails to appreciate just how badly people in Canada drive.
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