CAR INSURANCE

Old Aug 19th 2013, 8:07 pm
  #16  
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Default Re: CAR INSURANCE

Originally Posted by christmasoompa
They seem reasonable to me in terms of Canadian car insurance for newcomers. I think it's our esteemed forum member dbd33's price that's shocked me the most - I'm sure he pays something like $4500 for a VW Beetle and has been in Canada for years!
Having read a lot of his posts that's probably 1/4 of the story.
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Old Aug 19th 2013, 9:34 pm
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Default Re: CAR INSURANCE

Originally Posted by orly
Wife uses them too. Still a bit of a rip off in my eyes. Comes to about $170/month for our rather normal japanese box.

I felt hard done by paying 600 quid/yr back home...then I came here and felt not so bad about it lol.

Lol I know. It sure puts it into perspective. I'm going to back in the UK for a week in October. If any of my mates complain about the price they pay for insurance they will be getting a swift back hander and can buy the beers for the night.
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Old Aug 19th 2013, 11:24 pm
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Default Re: CAR INSURANCE

I guess it all depends. Things are not so rosy everywhere in the UK when it comes to car insurance. I drive a newish, small diesel engine Citroen Xsara Picasso (fairly common, small/medium family car - for those not familiar) - and I struggled hard to bring my premium to around £1100-£1200 - and that's with 8 years no claims bonus. That's what? Closing in to 2000CAD? I have a clean license, and no claims ever. Three years ago, when I bought it new - lots of brokers couldn't even quote me an exact figure - as their systems wouldn't return quotes beyond £3000!!

I guess the fact that I keep it on the street at night doesn't help. Mind you, some parts of Liverpool are the worst for car insurance in the entire UK - so other parts of the country would be much better in that respect. But just saying - car insurance is not that cheap everywhere in the UK at the moment. At least not as cheap as it used to be about 2004 - when I got my first car.
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Old Aug 20th 2013, 12:13 am
  #19  
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Default Re: CAR INSURANCE

Originally Posted by xj25vm
I guess it all depends. Things are not so rosy everywhere in the UK when it comes to car insurance. I drive a newish, small diesel engine Citroen Xsara Picasso (fairly common, small/medium family car - for those not familiar) - and I struggled hard to bring my premium to around £1100-£1200 - and that's with 8 years no claims bonus. That's what? Closing in to 2000CAD? I have a clean license, and no claims ever. Three years ago, when I bought it new - lots of brokers couldn't even quote me an exact figure - as their systems wouldn't return quotes beyond £3000!!

I guess the fact that I keep it on the street at night doesn't help. Mind you, some parts of Liverpool are the worst for car insurance in the entire UK - so other parts of the country would be much better in that respect. But just saying - car insurance is not that cheap everywhere in the UK at the moment. At least not as cheap as it used to be about 2004 - when I got my first car.
Bit closer to $1700 i think but yes it is pot luck sometimes. Postcode lottery and all that.
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Old Aug 21st 2013, 12:05 am
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Default Re: CAR INSURANCE

We're in Nova Scotia. Moved here 3 months ago, one of the first things we had to do was get a car and get insurance. We got a Ford Ranger truck, and used our 9 years no claims my partner had to get our insurance. We're both insured, not just 3rd party minimum, for $500/year. I was convinced we were going to have to pay $1000s before we arrived, but it's turned out to be not much more than we were paying in the Uk, and for a much bigger vehicle!
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Old Aug 21st 2013, 12:27 pm
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Default Re: CAR INSURANCE

Thanks everyone for the help -I knew I should have pushed for a company car

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Old Aug 21st 2013, 1:05 pm
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Default Re: CAR INSURANCE

Originally Posted by christmasoompa
They seem reasonable to me in terms of Canadian car insurance for newcomers. I think it's our esteemed forum member dbd33's price that's shocked me the most - I'm sure he pays something like $4500 for a VW Beetle and has been in Canada for years!
Last year it was that much. I've since cut it to three grand by eliminating collision coverage. The renewal is in October so we'll see how much it goes up this year.
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Old Aug 21st 2013, 7:23 pm
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Default Re: CAR INSURANCE

Originally Posted by Jason mears
Thanks everyone for the help -I knew I should have pushed for a company car

I will be pushing for one...been quoted 4600 for a 1999 golf Gti doing 10k per year. The car will cost me 2700
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Old Aug 21st 2013, 9:07 pm
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Default Re: CAR INSURANCE

do company cars exist in Canada>?
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Old Aug 22nd 2013, 5:17 pm
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Default Re: CAR INSURANCE

Originally Posted by Aatjjj
do company cars exist in Canada>?
Yes of course. Companies use them all the time.

Plus they can be used for private use by employees but, as expected, taxation rules apply to what would be deemed as a private benefit.

http://www.cra-arc.gc.ca/tx/bsnss/tp.../menu-eng.html
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Old Aug 22nd 2013, 9:33 pm
  #26  
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Default Re: CAR INSURANCE

were struggling to get insured as they request a driving record from the DVLA which has to be sent for by post. As we are in Toronto at present is going to take a good 7 weeks before we get that back. And need a car by then as were both starting work!! Any suggestions on INSURERS who don't need this record?? please
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Old Aug 23rd 2013, 3:27 am
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Default Re: CAR INSURANCE

Who were you trying and where are you. Primmum have never asked for that.

Not sure what difference would be in these quotes compared to a newcomer but I arrive last June and this is as it stands if I wanted to insure a vehicle myself excluding any second car discounts / home and bike insurance.

All quotes based on a 2004 vehicle I'm 32 and live in L1N postcode area.


Honda Civic $269 Month $3228 Annual Full Coverage $179 Basic $2153.04
Audi A6 $260 Month $3120 Annual full Coverage $215.75 basic $2589
Ford F150 $229.25 $2751 full coverage $189 $2268 basic coverage

But the winner is.

Porsche Ceyenne $218.33 $2619.96 Full coverage $179.42 $2153.04 Basic
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Old Aug 23rd 2013, 11:48 am
  #28  
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Default Re: CAR INSURANCE

Originally Posted by james.mc
Yes of course. Companies use them all the time.
Probably not in the sense of the question. Some companies do own vehicles and maintain a pool of them for professional use; examples might be police forces, bakeries and fire brigades. However, the provision of a vehicle for continued use by a single employee is pretty rare and the blurring of the intended use so that, in effect, the employee gets domestic use of a car as a benefit, applies only to people who own companies.
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Old Aug 23rd 2013, 2:28 pm
  #29  
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Default Re: CAR INSURANCE

Johnson insurance recognises your UK driving we got a quote of 1968 for a 2011 VW Tiguan. TD came in with the next lowest at 2400.
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Old Aug 23rd 2013, 8:53 pm
  #30  
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Default Re: CAR INSURANCE

Originally Posted by Aatjjj
do company cars exist in Canada>?
Yes, I'm getting one when I move to Kelowna at the end of October.
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