car insurance
#1
Forum Regular
Thread Starter
Joined: Jul 2018
Location: Brighton, UK
Posts: 165
car insurance
Hi everyone,
Can anyone recommend car insurance companies? i've just got a quote online and it's astronomical (415 per month). Google estimates averages are 175 - I am astonished we were quoted so much more.
Do insurance companies take into account your UK driving record? Hubby and I are acciden and ticket free.
Can anyone recommend car insurance companies? i've just got a quote online and it's astronomical (415 per month). Google estimates averages are 175 - I am astonished we were quoted so much more.
Do insurance companies take into account your UK driving record? Hubby and I are acciden and ticket free.
#2
Re: car insurance
Hi everyone,
Can anyone recommend car insurance companies? i've just got a quote online and it's astronomical (415 per month). Google estimates averages are 175 - I am astonished we were quoted so much more. I went to a local insurance broker who did the leg work for us.
Do insurance companies take into account your UK driving record? Hubby and I are acciden and ticket free.
Can anyone recommend car insurance companies? i've just got a quote online and it's astronomical (415 per month). Google estimates averages are 175 - I am astonished we were quoted so much more. I went to a local insurance broker who did the leg work for us.
Do insurance companies take into account your UK driving record? Hubby and I are acciden and ticket free.
But yes, I ended up paying that sort of amount. I had 30 years UK no claims AND proof of it and zero penalty point - didn't cut any ice whatsoever!
If you are talking about Ontario, this sounds about right. Car insurance IS expensive in Canada, best get used to it until you can build up Canadian no-claims doscounts.
It is said that one particular insurer will take into account UK driving experience, but the resultant annual premium seems to be about the same as if you went with a different insurer that treats you as a novice.
#3
Forum Regular
Thread Starter
Joined: Jul 2018
Location: Brighton, UK
Posts: 165
Re: car insurance
Which province are you talking about? Varies by province.
But yes, I ended up paying that sort of amount. I had 30 years UK no claims AND proof of it and zero penalty point - didn't cut any ice whatsoever!
If you are talking about Ontario, this sounds about right. Car insurance IS expensive in Canada, best get used to it until you can build up Canadian no-claims doscounts.
It is said that one particular insurer will take into account UK driving experience, but the resultant annual premium seems to be about the same as if you went with a different insurer that treats you as a novice.
But yes, I ended up paying that sort of amount. I had 30 years UK no claims AND proof of it and zero penalty point - didn't cut any ice whatsoever!
If you are talking about Ontario, this sounds about right. Car insurance IS expensive in Canada, best get used to it until you can build up Canadian no-claims doscounts.
It is said that one particular insurer will take into account UK driving experience, but the resultant annual premium seems to be about the same as if you went with a different insurer that treats you as a novice.
#4
Re: car insurance
One variable you can change is your postal code, for a start don't live in Brampton. A colleague just moved from Mississauga to Waterdown (Greater Hamilton) and said the car premium went from over $500/month to just under $400. Note that changing the car doesn't make much difference (unless one is exotic or RHD or plated out-of-Province). The problem with being a newcomer is that credit score is an important rating criterion and a newcomer doesn't have one.
#5
Re: car insurance
#6
Account Closed
Joined: Feb 2009
Posts: 0
Re: car insurance
Hi everyone,
Can anyone recommend car insurance companies? i've just got a quote online and it's astronomical (415 per month). Google estimates averages are 175 - I am astonished we were quoted so much more.
Do insurance companies take into account your UK driving record? Hubby and I are acciden and ticket free.
Can anyone recommend car insurance companies? i've just got a quote online and it's astronomical (415 per month). Google estimates averages are 175 - I am astonished we were quoted so much more.
Do insurance companies take into account your UK driving record? Hubby and I are acciden and ticket free.
There are some companies here that will take into account your UK experience. You will need a letter from your insurance company stating that you have x years of claim free, accident free and ticket free. Also in that letter ask them to specifically state that you have been insured continually for x years. (provided that you have) This seems to be important to Canadian insurers.
As for buying the car insurance they are still partying like its 1999 . Online options are limited to say the least. You are going to have to ring someone and go through it all the old fashioned way. That will likely be Monday to Friday 8-5 ish. I recommend that you ring Johnson Insurance. I have been with them since I moved here nearly 10 years ago and they will take into account your UK history with the letter mentioned above. Every year I ring around and they have always been the cheapest by quite a bit. It wont be anything like as cheap as the UK but likely a lot less than 415 a month.
#7
Re: car insurance
#9
Forum Regular
Joined: Jul 2017
Location: Ontario
Posts: 204
Re: car insurance
We are still a 1 car family for this reason, after a year in Ontario our insurance went up due to high claims in the Province!!
#10
BE Enthusiast
Joined: Oct 2016
Posts: 817
Re: car insurance
I have also heard that some companies have some kind of scheme for their employees, offering them cheaper deals.
#12
Forum Regular
Joined: Jul 2010
Posts: 108
Re: car insurance
Hi,I can’t talk for other provinces,but here in BC,if you can prove your NCD for the years you were driving in the UK,the insurer will give you up to 40% discount,you will need proof from your old insurance company,not the broker,the details required are listed on a proof of driving history,obtained from your Canadian broker,but like I said earlier,my only experience of this is here in BC.
#13
Re: car insurance
I see your Ontario, and raise you Newfoundland. I suspect insurance, like most things, is more expensive here.
#14
Re: car insurance
Hi,I can’t talk for other provinces,but here in BC,if you can prove your NCD for the years you were driving in the UK,the insurer will give you up to 40% discount,you will need proof from your old insurance company,not the broker,the details required are listed on a proof of driving history,obtained from your Canadian broker,but like I said earlier,my only experience of this is here in BC.
#15
Re: car insurance
https://www.sonnet.ca/blog/auto-insurance-by-province