Car insurance
Nov 21st 2014 | 10:46 am
#1
Thread Starter
Just Joined
Joined: Jan 2014
Posts: 6
Car insurance
Just landed in Vancouver one of my first to do things is to buy a car. is it possible to get insurance without an address as we are staying in a hotel for our first week until we find a rental. Can I use a UK address?
Nov 22nd 2014 | 4:34 pm
#2
BE Forum Addict
Joined: Aug 2013
Posts: 2,082
From: Maple Ridge, Super Natural British Columbia
Re: Car insurance
You will need a BC address.
I suggest renting a car initially, using you UK licence and address and book through a .co.uk car rental website, as your insurance coverage will be better to start with, although watch out for the level of 3rd party liability coverage. There are deals out there to be had, particularly with Hertz and Avis.
Your car insurance will be VERY expensive until you are able to provide UK insurance claim-free history IN THE DETAIL AND FORMAT required by ICBC (and you can only get a maximum discount of 8 years x 5%).
Avoid a new/newish car and assume that you will pay at least $2000 per year without correctly-evidenced claim-free history and you won't be in for a shock. As a new customer, you can pay by instalments, but only over 6 months (which gets you a 6-month policy) and that also adds another 10% to the premium if I remember correctly.
We currently have a new car which cost $32000 + taxes and the insurance before 'claim-free years' discounts was over $3500 per year.
Don't forget that you also pay 12% GST/PST on used cars as well as new cars, from both dealers and private sales. You pay this when you insure at ICBC broker for a private sale.
I suggest renting a car initially, using you UK licence and address and book through a .co.uk car rental website, as your insurance coverage will be better to start with, although watch out for the level of 3rd party liability coverage. There are deals out there to be had, particularly with Hertz and Avis.
Your car insurance will be VERY expensive until you are able to provide UK insurance claim-free history IN THE DETAIL AND FORMAT required by ICBC (and you can only get a maximum discount of 8 years x 5%).
Avoid a new/newish car and assume that you will pay at least $2000 per year without correctly-evidenced claim-free history and you won't be in for a shock. As a new customer, you can pay by instalments, but only over 6 months (which gets you a 6-month policy) and that also adds another 10% to the premium if I remember correctly.
We currently have a new car which cost $32000 + taxes and the insurance before 'claim-free years' discounts was over $3500 per year.
Don't forget that you also pay 12% GST/PST on used cars as well as new cars, from both dealers and private sales. You pay this when you insure at ICBC broker for a private sale.
Last edited by withabix; Nov 22nd 2014 at 4:44 pm.
Nov 23rd 2014 | 1:57 am
#3
Bex in the city
Joined: Jun 2013
Posts: 3,900
From: Vancouver, BC
Re: Car insurance
You will need a BC address.
I suggest renting a car initially, using you UK licence and address and book through a .co.uk car rental website, as your insurance coverage will be better to start with, although watch out for the level of 3rd party liability coverage. There are deals out there to be had, particularly with Hertz and Avis.
Your car insurance will be VERY expensive until you are able to provide UK insurance claim-free history IN THE DETAIL AND FORMAT required by ICBC (and you can only get a maximum discount of 8 years x 5%).
Avoid a new/newish car and assume that you will pay at least $2000 per year without correctly-evidenced claim-free history and you won't be in for a shock. As a new customer, you can pay by instalments, but only over 6 months (which gets you a 6-month policy) and that also adds another 10% to the premium if I remember correctly.
We currently have a new car which cost $32000 + taxes and the insurance before 'claim-free years' discounts was over $3500 per year.
Don't forget that you also pay 12% GST/PST on used cars as well as new cars, from both dealers and private sales. You pay this when you insure at ICBC broker for a private sale.
I suggest renting a car initially, using you UK licence and address and book through a .co.uk car rental website, as your insurance coverage will be better to start with, although watch out for the level of 3rd party liability coverage. There are deals out there to be had, particularly with Hertz and Avis.
Your car insurance will be VERY expensive until you are able to provide UK insurance claim-free history IN THE DETAIL AND FORMAT required by ICBC (and you can only get a maximum discount of 8 years x 5%).
Avoid a new/newish car and assume that you will pay at least $2000 per year without correctly-evidenced claim-free history and you won't be in for a shock. As a new customer, you can pay by instalments, but only over 6 months (which gets you a 6-month policy) and that also adds another 10% to the premium if I remember correctly.
We currently have a new car which cost $32000 + taxes and the insurance before 'claim-free years' discounts was over $3500 per year.
Don't forget that you also pay 12% GST/PST on used cars as well as new cars, from both dealers and private sales. You pay this when you insure at ICBC broker for a private sale.
Nov 23rd 2014 | 4:14 am
#4
Nuther day in paradise.ca
Joined: Aug 2008
Posts: 7,269
From: Ajax, Ontario
Re: Car insurance
Rent, get full coverage, then when u have stopped driving on the wrong side of the road buy your own car
Nov 23rd 2014 | 6:36 am
#5
Lost in BE Cyberspace
Joined: Sep 2013
Posts: 6,966
From: SW Ontario, Canada / Gozo, Malta
Re: Car insurance
You will need a BC address.
I suggest renting a car initially, using you UK licence and address and book through a .co.uk car rental website, as your insurance coverage will be better to start with, although watch out for the level of 3rd party liability coverage. There are deals out there to be had, particularly with Hertz and Avis.
Your car insurance will be VERY expensive until you are able to provide UK insurance claim-free history IN THE DETAIL AND FORMAT required by ICBC (and you can only get a maximum discount of 8 years x 5%).
Avoid a new/newish car and assume that you will pay at least $2000 per year without correctly-evidenced claim-free history and you won't be in for a shock. As a new customer, you can pay by instalments, but only over 6 months (which gets you a 6-month policy) and that also adds another 10% to the premium if I remember correctly.
We currently have a new car which cost $32000 + taxes and the insurance before 'claim-free years' discounts was over $3500 per year.
Don't forget that you also pay 12% GST/PST on used cars as well as new cars, from both dealers and private sales. You pay this when you insure at ICBC broker for a private sale.
I suggest renting a car initially, using you UK licence and address and book through a .co.uk car rental website, as your insurance coverage will be better to start with, although watch out for the level of 3rd party liability coverage. There are deals out there to be had, particularly with Hertz and Avis.
Your car insurance will be VERY expensive until you are able to provide UK insurance claim-free history IN THE DETAIL AND FORMAT required by ICBC (and you can only get a maximum discount of 8 years x 5%).
Avoid a new/newish car and assume that you will pay at least $2000 per year without correctly-evidenced claim-free history and you won't be in for a shock. As a new customer, you can pay by instalments, but only over 6 months (which gets you a 6-month policy) and that also adds another 10% to the premium if I remember correctly.
We currently have a new car which cost $32000 + taxes and the insurance before 'claim-free years' discounts was over $3500 per year.
Don't forget that you also pay 12% GST/PST on used cars as well as new cars, from both dealers and private sales. You pay this when you insure at ICBC broker for a private sale.
