Car Insurance, help needed.
Dec 16th 2008, 7:05 pm
#16
Banned
Joined: Oct 2007
Location: Calgary, AB
Posts: 2,085
Re: Car Insurance, help needed.
Try ING, they won't give you a quote direct but you can get the details of your nearest broker. ING take you UK no claims into account and you can also earn Aeroplan miles with them too.
Dec 16th 2008, 8:11 pm
#17
Truro NS
Joined: Feb 2006
Posts: 553
Re: Car Insurance, help needed.
Hi
My other half has been phoning around for car insurance. He phoned a company that one of his work mates is with, but, they are saying that they won't give any quotes over the phone and they have to mail out a document to us.
Is this the norm with all car insurance? If anyone has any reccomendations please PM.
I'm a little worried now to say the least as we are surposed to pick up a car tomorrow and without insurance, we can't get the plate, hense no car.
Please help me fellow expats.
My other half has been phoning around for car insurance. He phoned a company that one of his work mates is with, but, they are saying that they won't give any quotes over the phone and they have to mail out a document to us.
Is this the norm with all car insurance? If anyone has any reccomendations please PM.
I'm a little worried now to say the least as we are surposed to pick up a car tomorrow and without insurance, we can't get the plate, hense no car.
Please help me fellow expats.
But the quotes vary wildly. Do shop around.
Also, For info, they also accept a letter from your UK insurer and will give you some no-claims (maximum 3 years) if the letter shows you've been good.
Last edited by wbexpat; Dec 16th 2008 at 8:21 pm.
Dec 16th 2008, 8:15 pm
#18
Truro NS
Joined: Feb 2006
Posts: 553
Re: Car Insurance, help needed.
I started to do one of them on line quotes and to be honest I feel a little worried and sick now.
The quotes are saying $3,503 and $3,774 if these prices are true then it would be cheaper for us to loose or $1,000 deposit and hire a car. We only have a Toyota Matrix its a little bigger than a Yaris.
That quote is just for Neil, not even both of us.
I have no idea what to do its the first time I've felt so down here. I really feel like crying.
The quotes are saying $3,503 and $3,774 if these prices are true then it would be cheaper for us to loose or $1,000 deposit and hire a car. We only have a Toyota Matrix its a little bigger than a Yaris.
That quote is just for Neil, not even both of us.
I have no idea what to do its the first time I've felt so down here.
I really feel like crying.I got an online "quote" of $3,500 too when I came here.
I ended up paying $777 on a fair-sized car with my UK no claims taken into account (ING).
For the record, it's a bit more than I was paying in the UK for a similar spec car at $2 == 1UKP.
So relax. it will be high first year but nothing like what you're getting quoted.
Dec 16th 2008, 8:42 pm
#19
ModerĪ±tor Emeritus
Joined: Sep 2003
Location: Upstate South Carolina
Posts: 30,768
Re: Car Insurance, help needed.
Meh.
I got an online "quote" of $3,500 too when I came here.
I ended up paying $777 on a fair-sized car with my UK no claims taken into account (ING).
For the record, it's a bit more than I was paying in the UK for a similar spec car at $2 == 1UKP.
So relax. it will be high first year but nothing like what you're getting quoted.
I got an online "quote" of $3,500 too when I came here.
I ended up paying $777 on a fair-sized car with my UK no claims taken into account (ING).
For the record, it's a bit more than I was paying in the UK for a similar spec car at $2 == 1UKP.
So relax. it will be high first year but nothing like what you're getting quoted.
And thats after shopping around.
When shopping arround make sure all quotes are on a level playing field...same liability coverage (some are $1m, although $2m is now the recomended min) and deductables and same broad range of coverage.
Dec 16th 2008, 9:17 pm
#20
BE Forum Addict
Joined: Sep 2007
Location: NI (back from Toronto)
Posts: 3,409
Re: Car Insurance, help needed.
I dont pay as little as $777 now, and thats with 10 years of claim free driving in Canada
And thats after shopping around.
When shopping arround make sure all quotes are on a level playing field...same liability coverage (some are $1m, although $2m is now the recomended min) and deductables and same broad range of coverage.
And thats after shopping around.
When shopping arround make sure all quotes are on a level playing field...same liability coverage (some are $1m, although $2m is now the recomended min) and deductables and same broad range of coverage.
(Hope you find something more reasonable soon Cassie
)
Dec 16th 2008, 9:20 pm
#21
Thread Starter
Joined: Mar 2008
Location: Edmonton, Alberta, Canada
Posts: 6,842
Re: Car Insurance, help needed.
It's interesting to hear what you guys are paying for insurance in Canada. I've just insured my car fully comprehensive for Ā£481.00 and I'm still on a provisional license (just started taking lessons in September) I guess in Canada I'd have been paying a lot more
(Hope you find something more reasonable soon Cassie)
(Hope you find something more reasonable soon Cassie
)
Dec 16th 2008, 10:45 pm
#22
Seasoned Maritimer
Joined: Jun 2005
Location: Fredericton, New Brunswick CA
Posts: 8,309
Re: Car Insurance, help needed.
Johnsons $800 pa full comp with extras like collision forgiveness for two of us on a Mazda CX-7.
Dec 17th 2008, 10:38 pm
#23
Truro NS
Joined: Feb 2006
Posts: 553
Re: Car Insurance, help needed.
I dont pay as little as $777 now, and thats with 10 years of claim free driving in Canada
And thats after shopping around.
When shopping arround make sure all quotes are on a level playing field...same liability coverage (some are $1m, although $2m is now the recomended min) and deductables and same broad range of coverage.
And thats after shopping around.
When shopping arround make sure all quotes are on a level playing field...same liability coverage (some are $1m, although $2m is now the recomended min) and deductables and same broad range of coverage.
For info Im in my 40s, drive a 2500$ buick and live in a small town in nova scotia.
It's not what you'd call a high risk area.
My broker has me on with ING.
For info for newbies I am told getting house and car insurance from the same firm can save some money too. I missed out. Until April anyway - - bwahahahaha.
Dec 17th 2008, 11:59 pm
#25
BE Enthusiast
Joined: Sep 2006
Location: Southeast Calgary
Posts: 321
Re: Car Insurance, help needed.
Thanks everyone for your help this is what BE is all about. 
I have e-mailed Neil with some other numbers from you folks.
Just to let everyone know that it was TD Insurance that hubby tried to call yesterday and they told him he would have to fill out a form and they wouldn't give him a quote over the phone. Do you think his person knew what they were talking about and can you imagine how long it would take for them to reply to a postal form! I told him to try them again and hope he gets a different person.
I don't understand why we are having this problem when others have said they have had quotes off TD Insurance, most of Edmonton seem to be insured with them.
I have e-mailed Neil with some other numbers from you folks.
Just to let everyone know that it was TD Insurance that hubby tried to call yesterday and they told him he would have to fill out a form and they wouldn't give him a quote over the phone. Do you think his person knew what they were talking about and can you imagine how long it would take for them to reply to a postal form! I told him to try them again and hope he gets a different person.
I don't understand why we are having this problem when others have said they have had quotes off TD Insurance, most of Edmonton seem to be insured with them.
I use Canada Brokerlink. They have been great, and gave us a discount even without proof of UK no claims.
Dec 18th 2008, 2:29 am
#27
BE Forum Addict
Joined: Sep 2005
Location: Windsor, ON
Posts: 3,374
Re: Car Insurance, help needed.
Dec 18th 2008, 4:16 am
#28
BE Enthusiast
Joined: Jan 2007
Location: Cochrane Alberta
Posts: 558
Re: Car Insurance, help needed.
my broker got me the full 6 years no claims i bought over with ING.. we pay about $2300 total for our 2 cars and home insurance. both brand new 2009 models, one a $40K SUV, the other a sporty subaru impreza.. and we are only 25... next year we will have the full 8 star or whatever its called and it will come down lots too...
call her, Cindy, 251 1700 she is with JBC risk management in calgary...
she will quote over the phone no problem.. and she will work it to get you the best deal...
tell her scott says hi... lol
Last edited by Kittykerr; Dec 18th 2008 at 4:19 am.
Dec 18th 2008, 9:55 am
#29
BE Forum Addict
Joined: Mar 2005
Location: Milton, Ontario
Posts: 1,215
Re: Car Insurance, help needed.
We pay $4400 a year for our car insurance - covers 2 cars (Kia Rio and Kia Sportage, so not exactly luxury vehicles) and two drivers.
Freaking ridiculous, we know. We're with State Farm, and that's with 4 years Canadian experience and bringing our no claims over from the UK, and multi-line discounts by having our home and life insurance with them.
The worst thing is that we've been with them for over 2 years, and it's actually gone UP every year.
We've got some time off over Christmas and will finally be doing some leg work to try to get it down.
Freaking ridiculous, we know. We're with State Farm, and that's with 4 years Canadian experience and bringing our no claims over from the UK, and multi-line discounts by having our home and life insurance with them.
The worst thing is that we've been with them for over 2 years, and it's actually gone UP every year.
We've got some time off over Christmas and will finally be doing some leg work to try to get it down.
Dec 18th 2008, 2:10 pm
#30
Truro NS
Joined: Feb 2006
Posts: 553
Re: Car Insurance, help needed.
nonsense..
my broker got me the full 6 years no claims i bought over with ING.. we pay about $2300 total for our 2 cars and home insurance. both brand new 2009 models, one a $40K SUV, the other a sporty subaru impreza.. and we are only 25... next year we will have the full 8 star or whatever its called and it will come down lots too...
call her, Cindy, 251 1700 she is with JBC risk management in calgary...
she will quote over the phone no problem.. and she will work it to get you the best deal...
tell her scott says hi... lol
my broker got me the full 6 years no claims i bought over with ING.. we pay about $2300 total for our 2 cars and home insurance. both brand new 2009 models, one a $40K SUV, the other a sporty subaru impreza.. and we are only 25... next year we will have the full 8 star or whatever its called and it will come down lots too...
call her, Cindy, 251 1700 she is with JBC risk management in calgary...
she will quote over the phone no problem.. and she will work it to get you the best deal...
tell her scott says hi... lol
I am with AIG and am getting 3 years NCB with documented proof of 10 UK NCB.
But hey what do I know.
Last edited by wbexpat; Dec 18th 2008 at 2:12 pm.