The GREAT auto insurance poll
#46
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by dbd33
Oh I have that, but it's in the trunk. I don't get out in the middle of a trip to move it to the squirters, I just drive close to the back of trucks.
It's a problem anyway because the wipers only clear two arcs, they do nothing for the corners or the side windows, April brings a revelation !
It's a problem anyway because the wipers only clear two arcs, they do nothing for the corners or the side windows, April brings a revelation !
![Smile](https://britishexpats.com/forum/images/smilies/smile.gif)
(Youve probably seen squeegies, having lived in the GTA as long as you have, its like a stick with a bit of rubber and a scrubby thing on the end. maybe you could invest in one.) The other alternative is to wrap up warm and drive with the roof down
![Roll Eyes](https://britishexpats.com/forum/images/smilies/rolleyes.gif)
Another alternative is called a "Car Wash". I believe they have them in Toronto now, although in a Mustang its a bit risky and you will probably end up with a frozen puddle around your feet.
Last edited by iaink; Nov 29th 2005 at 5:57 am.
![iaink is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#47
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by Hangman
I don't mean this as any sort of criticism.
However we all got around just fine in the winter prior to 1980, when all vehicles were rear wheel drive and a lot of high horse power jobs as well.
It's all in how you handle the conditions.
However we all got around just fine in the winter prior to 1980, when all vehicles were rear wheel drive and a lot of high horse power jobs as well.
It's all in how you handle the conditions.
![Posidrive is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#48
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
Joined: Jul 2005
Posts: 15,883
![Steve_P is an unknown quantity at this point](https://britishexpats.com/forum/images/reputation/reputation_balance.gif)
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by Posidrive
I see a difference between "got around" and "driving". Sure, I could get around in the 300ZX, but in those sort of conditions such cars should not be taken out, they are meant for fun. Trucks and Ambulances, etc, have a very favorable power to weight ratio when it comes to driving in adverse conditions.
You learn to adapt to the conditions, something that most modern drivers seem incapable of doing.
![Mad](https://britishexpats.com/forum/images/smilies/mad.gif)
![Steve_P is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#49
Part Time Poster
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
Joined: Jan 2004
Location: Worcestershire
Posts: 4,219
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_pos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_pos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_pos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_pos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_pos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_highpos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_highpos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_highpos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_highpos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_highpos.gif)
![MikeUK has a reputation beyond repute](https://britishexpats.com/forum/images/reputation/reputation_highpos.gif)
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by Hangman
I did mean "driving". For most people "those sort of cars" were their only vehicle. We all didn't and still don't have the luxury of parking vehicles for the winter.
You learn to adapt to the conditions, something that most modern drivers seem incapable of doing.![Mad](https://britishexpats.com/forum/images/smilies/mad.gif)
You learn to adapt to the conditions, something that most modern drivers seem incapable of doing.
![Mad](https://britishexpats.com/forum/images/smilies/mad.gif)
Those old cars would take the small winter shunts and bumps in their stride, but a modern car which is designed to keep you alive in a high speed crash will show significantly more damage per kph of impact.
I also feel that the growth of the North American “Bigger is safer” approach has lead to an increase in an aggressive get out of may way or you’ll come of worse mentality of driving …… seen frequently from F150’s and large SUV’s..
When everybody was on an even playing field I’m sure that impacted the type of collision as well as driving mentality
![MikeUK is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#50
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by iaink
Perhaps when you stop for gas, you could ask the gas jockeys to clean your side windows with a squeege....as you obviously have no intention of doing it yourself![Smile](https://britishexpats.com/forum/images/smilies/smile.gif)
(Youve probably seen squeegies, having lived in the GTA as long as you have, its like a stick with a bit of rubber and a scrubby thing on the end. maybe you could invest in one.) The other alternative is to wrap up warm and drive with the roof down![Roll Eyes](https://britishexpats.com/forum/images/smilies/rolleyes.gif)
Another alternative is called a "Car Wash". I believe they have them in Toronto now, although in a Mustang its a bit risky and you will probably end up with a frozen puddle around your feet.
![Smile](https://britishexpats.com/forum/images/smilies/smile.gif)
(Youve probably seen squeegies, having lived in the GTA as long as you have, its like a stick with a bit of rubber and a scrubby thing on the end. maybe you could invest in one.) The other alternative is to wrap up warm and drive with the roof down
![Roll Eyes](https://britishexpats.com/forum/images/smilies/rolleyes.gif)
Another alternative is called a "Car Wash". I believe they have them in Toronto now, although in a Mustang its a bit risky and you will probably end up with a frozen puddle around your feet.
The problem with putting the top down is, of course, that water freezes in the mechanism making it impossible to open.
There are hardly any gas jockies any more, I had to drive miles to prove to a recent guest that Canada still has some, so counting on finding one each time the windows get dirty is impractical.
I suppose I could buy a squeegie but, shit, it's Canada, we should embrace winter, not try to turn Ontario into Florida. Mail slot driving is part and parcel of the Canadian experience.
![dbd33 is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#51
Forum Regular
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
![](https://britishexpats.com/forum/images/ranks/star.gif)
Joined: Oct 2005
Location: Greater Toronto Area
Posts: 201
![jcexit will become famous soon enough](https://britishexpats.com/forum/images/reputation/reputation_pos.gif)
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by Tommy HC
Most of us, coming to Canada, are suffering from high rates when trying to insure our first vehicle here. All of us, used to be quotes 900 US dollars or 650 quid a year, are pretty outraged when insurance broker quotes us with a big smile on his face CAD$ 4200 a year to insure 1997 Mazda Protege. Is it because we are "new" to Canada, as he's trying to persuade us? What is the reason?
1. Immigrants don't know how to drive in winter, as they've never experienced snow. That's why they are causing lots of accidents, and that brings rates high. (Even if the immigrants are from Russia or Sweden)
2. Immigrants are lucky enough just to be in Canada. This is the cost they have to pay back to the government :-)
3. Some other ridiculous reason.
1. Immigrants don't know how to drive in winter, as they've never experienced snow. That's why they are causing lots of accidents, and that brings rates high. (Even if the immigrants are from Russia or Sweden)
2. Immigrants are lucky enough just to be in Canada. This is the cost they have to pay back to the government :-)
3. Some other ridiculous reason.
Insurance companies also have their quotas for the number of emigrants they take on each year.
But it's also down to the judgments and awards given to people hurt in traffic accidents. These have become so high that we are encouraged to insure for up to two million dollars liability. The cost of repairing or replacing a vehicle is nothing compared to benefits and costs awarded to accident victims. This of course affects all Ontario drivers. Generally they do not recognise no claims bonuses from the UK and I have never heard of no claims having much effect on premiums. They like to see your no claims as proof that you have been insured for a vehicle previous to emigrating.
One more factor: motor insurance companies in Ontario pleaded poverty a few years ago but have for the last few years shown huge profits. There was talk of the provincial government taking over motor insurance as have many of the other provinces. Good thing too!
Finally, we see every year with the first fall of snow or sign of ice on the roads, accidents which are caused by drivers simply not driver according to the prevailing conditions - and the majority of them are Canadians born and bred.
![jcexit is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#52
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by dbd33
Mail slot driving is part and parcel of the Canadian experience.
![Roll Eyes](https://britishexpats.com/forum/images/smilies/rolleyes.gif)
Speak for yourself mate, I like to see what I'm about to hit...or what is about to hit me anyway.
![iaink is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#53
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
[QUOTE=dbd33]I have problems with the Mustang in the winter QUOTE]
mr x-ray says the problem is the mustang is a girly car, not a proper fast car......... :scared:
mr x-ray says the problem is the mustang is a girly car, not a proper fast car......... :scared:
![daft batty is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#54
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Thinking about it, in twenty-five years of driving rear wheel drive cars around in Canada the times I've been forced to stop in winter were:
- slab of ice flew off minivan and went through my windshield
- stopped on 401 due to accident ahead of me, driver behind failed to notice and rear ended me at high speed
Neither of these circumstances would have been improved by clean windows, winter tyres or four wheel drive. Front wheel drive would be nice so I could do handbrake turns on lakes and car parks but, for ordinary use, the type of car doesn't much matter. Here that is, no doubt it's different in a mountain province.
- slab of ice flew off minivan and went through my windshield
- stopped on 401 due to accident ahead of me, driver behind failed to notice and rear ended me at high speed
Neither of these circumstances would have been improved by clean windows, winter tyres or four wheel drive. Front wheel drive would be nice so I could do handbrake turns on lakes and car parks but, for ordinary use, the type of car doesn't much matter. Here that is, no doubt it's different in a mountain province.
![dbd33 is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#55
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by jcexit
Motor insurance companies in Ontario pleaded poverty a few years ago but have for the last few years shown huge profits. There was talk of the provincial government taking over motor insurance as have many of the other provinces. Good thing too!
You can't screw around with safety and insurance and from what I've seen I'm happy with the ICBC deal.
But saying all that it could all go pear shaped I guess. My personal rant is the way immigrants have to wait til having their PR cards before being allowed to take their tests thus cutting down to about 5 weeks the deadline for taking test, adding to PR stresses etc
![zzZZ](https://britishexpats.com/forum/images/smilies/sleep.gif)
Rich.
![Rich_007 is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#56
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
[QUOTE=batty-x-ray]
My other half and her family call it the "white trash car" and point out that no one who shouts "Nice car, buddy" ever has a full set of teeth or a capless head.
I see it as a sensible compromise, a family sized convertible. I can't fit the dog in the real sports car. I'd really like an old Camaro convertible, they have lots of room and look quite nice without being too wide for the driveway. That's a hard sell domestically though.
Originally Posted by dbd33
I have problems with the Mustang in the winter QUOTE]
mr x-ray says the problem is the mustang is a girly car, not a proper fast car......... :scared:
mr x-ray says the problem is the mustang is a girly car, not a proper fast car......... :scared:
I see it as a sensible compromise, a family sized convertible. I can't fit the dog in the real sports car. I'd really like an old Camaro convertible, they have lots of room and look quite nice without being too wide for the driveway. That's a hard sell domestically though.
![dbd33 is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#57
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
I've heard insurance in Ontario can be very costly. There are 3 provinces in Canada that offer public insurance - BC, Saskatchewan & Manitoba. These provinces have insurance corporations managed by the government. As far as I know the other provinces operate through private insurance companies and tend to have much higher rates or lower coverages on things like Accident Benefits for your therapy, prescriptions, etc or the amount that will be covered if you experience a long term injury.
In the last election held in one of the Maritime provinces, vehicle insurance was forefront. The rates had gone up approximately 37% and people there were asking for a reform to insurance. Quite a number of the provinces served by private insurance were hit by large increases last year. In BC for instance, the increase was only 7% after the rates were frozen for a number of years.
I work with claims and we generally know when it has snowed up in the mountain passes. SUV's and trucks start getting towed in left, right and centre. Although these vehicles can be good in the snow... people tend to forget that nothing stops on ice easily!
Cheers & safe driving everyone!
Oggy
In the last election held in one of the Maritime provinces, vehicle insurance was forefront. The rates had gone up approximately 37% and people there were asking for a reform to insurance. Quite a number of the provinces served by private insurance were hit by large increases last year. In BC for instance, the increase was only 7% after the rates were frozen for a number of years.
I work with claims and we generally know when it has snowed up in the mountain passes. SUV's and trucks start getting towed in left, right and centre. Although these vehicles can be good in the snow... people tend to forget that nothing stops on ice easily!
Cheers & safe driving everyone!
Oggy
![NessieOggy is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#58
![Thumbs down](https://britishexpats.com/forum/images/icons/icon13.gif)
From what I understand about it - I hope the government run insurance never gets to Alberta! It may offer cheaper premiums, but the kicker comes when you are on the receiving end and have to claim. Then you understand why the premiums are low!
(My son just found out that his premium will go up BY $1,500 if he claims for his accident, that puts him at $4,800 anually - OUCH!) :scared:
(My son just found out that his premium will go up BY $1,500 if he claims for his accident, that puts him at $4,800 anually - OUCH!) :scared:
![Calgal is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#59
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by dbd33
Thinking about it, in twenty-five years of driving rear wheel drive cars around in Canada the times I've been forced to stop in winter were:
- slab of ice flew off minivan and went through my windshield
- stopped on 401 due to accident ahead of me, driver behind failed to notice and rear ended me at high speed
Neither of these circumstances would have been improved by clean windows, winter tyres or four wheel drive.
- slab of ice flew off minivan and went through my windshield
- stopped on 401 due to accident ahead of me, driver behind failed to notice and rear ended me at high speed
Neither of these circumstances would have been improved by clean windows, winter tyres or four wheel drive.
How are you going to feel when you hit some pedestrian that you didnt see soon enough, or couldnt stop in time for on your all seasons? Theres no excuse.
![iaink is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)
#60
![Default](https://britishexpats.com/forum/images/icons/icon1.gif)
Originally Posted by iaink
Just dumb luck. Encouraging others to do the same is plain irresponsible. Your luck will run out at some point, just like mine will, but for me it wont be for want of traction or visibility if i can help it.
How are you going to feel when you hit some pedestrian that you didnt see soon enough, or couldnt stop in time for on your all seasons? Theres no excuse.
How are you going to feel when you hit some pedestrian that you didnt see soon enough, or couldnt stop in time for on your all seasons? Theres no excuse.
Rich.
![Rich_007 is offline](https://britishexpats.com/forum/images/statusicon/user_offline.gif)