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. |
Re: car insurance
Originally Posted by FARAH1305
(Post 12719285)
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. 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. |
Re: car insurance
Originally Posted by Hurlabrick
(Post 12719288)
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. |
Re: car insurance
Originally Posted by FARAH1305
(Post 12719298)
Jesus - we can expect to pay nearly 415 per month?!??! that is insanity. We will be in Ontario.
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Re: car insurance
Originally Posted by FARAH1305
(Post 12719298)
Jesus - we can expect to pay nearly 415 per month?!??! that is insanity. We will be in Ontario.
|
Re: car insurance
Originally Posted by FARAH1305
(Post 12719285)
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. 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. |
Re: car insurance
Originally Posted by Alex2201
(Post 12719356)
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. |
Re: car insurance
Out of interest, what car is it?
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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!! |
Re: car insurance
Originally Posted by Lichisadave
(Post 12719554)
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!! I have also heard that some companies have some kind of scheme for their employees, offering them cheaper deals. |
Re: car insurance
Originally Posted by OrangeMango
(Post 12720642)
I think in Ontario the car insurance in general higher than in other provinces..
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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. |
Re: car insurance
Originally Posted by OrangeMango
(Post 12720642)
I think in Ontario the car insurance in general higher than in other provinces.
I have also heard that some companies have some kind of scheme for their employees, offering them cheaper deals. |
Re: car insurance
Originally Posted by zac stone
(Post 12720707)
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. |
Re: car insurance
Originally Posted by Atlantic Xpat
(Post 12720818)
I see your Ontario, and raise you Newfoundland. I suspect insurance, like most things, is more expensive here.
https://www.sonnet.ca/blog/auto-insurance-by-province |
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