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Potentially moving to Halifax, NS

Potentially moving to Halifax, NS

Old Jan 30th 2015, 12:44 am
  #376  
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Default Re: Potentially moving to Halifax, NS

Originally Posted by BristolUK View Post
Is this what's known as milking the issue?
This subject is by no means eggsausted.

Last edited by rivingtonpike; Jan 30th 2015 at 1:46 am.
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Old Jan 30th 2015, 12:46 am
  #377  
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Default Re: Potentially moving to Halifax, NS

Originally Posted by graham the eggman View Post
NO, a UK test is hard/difficult with so many heavy goods on limited roads.
So now there aren't enough roads for you! Yours must be an unhappy life. Is there anything you do like (except cheap milk)?
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Old Jan 30th 2015, 1:09 am
  #378  
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Default Re: Potentially moving to Halifax, NS

Originally Posted by rivingtonpike View Post
This subject is by no me and eggsausted.
That's the problem Canadians ignore what to the outside world are many obvious problems in Canada.
Lets discuss the native Indian problem, what it costs, they do nothing but you pay but say little.
I have a friend in Canada awaiting the "Native Tax Free" card down to his Gt Gt Grandmother born Scotland around 1850 and then his son gets one
Your Barmy
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Old Jan 30th 2015, 1:10 am
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Default Re: Potentially moving to Halifax, NS

Originally Posted by PlacidCasual View Post
Jesus.

I'm only planning on spending $10,000 on a vehicle.
The thought of paying $6,000 for a years insurance on it is sickening - surely people just drive without insurance as a result?
Yes. According to the industry, 25% of the cars on road are uninsured.
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Old Jan 30th 2015, 1:31 am
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Default Re: Potentially moving to Halifax, NS

$6000?! I pay $130 per month for my insurance in BC.
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Old Jan 30th 2015, 1:49 am
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Default Re: Potentially moving to Halifax, NS

Originally Posted by graham the eggman View Post
That's the problem Canadians ignore what to the outside world are many obvious problems in Canada.
Lets discuss the native Indian problem, what it costs, they do nothing but you pay but say little.
I have a friend in Canada awaiting the "Native Tax Free" card down to his Gt Gt Grandmother born Scotland around 1850 and then his son gets one
Your Barmy
I was pretty convinced this was a Troll, but now I'm starting to think it's a real person who has been very wronged by Canada and Canadians. I know I live on the other side of a particularly large country from NS, but I still, in some way, can't help feeling just a little bit responsible.
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Old Jan 30th 2015, 3:34 am
  #382  
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Default Re: Potentially moving to Halifax, NS

Originally Posted by rivingtonpike View Post
I was pretty convinced this was a Troll, but now I'm starting to think it's a real person who has been very wronged by Canada and Canadians. I know I live on the other side of a particularly large country from NS, but I still, in some way, can't help feeling just a little bit responsible.


Originally Posted by Lychee View Post
$6000?! I pay $130 per month for my insurance in BC.
As ever YPMV, but there's no Provincial system for vehicle insurance in Ontario.

That being said, I've just checked my banking on line and it appears I pay $272.82 per month for insuring two cars (neither, I'm pleased to report, a V6 or V8 embarrassment).

Which is still silly.

I pay the equivalent of $80 per month for a vehicle similar to the bigger one that I have here in France.

Last edited by Novocastrian; Jan 30th 2015 at 3:38 am.
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Old Jan 30th 2015, 4:13 am
  #383  
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Default Re: Potentially moving to Halifax, NS

If you borrow somebodies car, you borrow their insurance which no doubt is a higher risk for the insurance company, so increases the premium... also there are less people paying in so the premiums have to be higher to be able to enable insurance companies to pay out when an insured makes a claim. There must be other differences which go towards justifying higher premiums over here... I spent 6 months working for an insurance company but I have conveniently forgotten most of what I learnt!!
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Old Jan 30th 2015, 5:26 am
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Default Re: Potentially moving to Halifax, NS

Originally Posted by DandNHill View Post
If you borrow somebodies car, you borrow their insurance which no doubt is a higher risk for the insurance company, so increases the premium... also there are less people paying in so the premiums have to be higher to be able to enable insurance companies to pay out when an insured makes a claim. There must be other differences which go towards justifying higher premiums over here... I spent 6 months working for an insurance company but I have conveniently forgotten most of what I learnt!!
Wash your brain out and think about that again..
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Old Jan 30th 2015, 7:05 am
  #385  
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Default Re: Potentially moving to Halifax, NS

Originally Posted by graham the eggman View Post
That's the problem Canadians ignore what to the outside world are many obvious problems in Canada.
Lets discuss the native Indian problem, what it costs, they do nothing but you pay but say little.
I have a friend in Canada awaiting the "Native Tax Free" card down to his Gt Gt Grandmother born Scotland around 1850 and then his son gets one
Your Barmy
Gosh, you really are a cheery, upbeat soul aren't you? Don't let these guys yolks get you down, they're just milking your dairy obsession but really eggsellent people.

Oh, and it's 'you're', not 'your'. My 7 year old can manage to get the correct version of your/you're, if you could too it would make your posts much easier to read.
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Old Jan 30th 2015, 8:33 am
  #386  
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Default Re: Potentially moving to Halifax, NS

Originally Posted by christmasoompa View Post
You've tried the banks that the Wiki says will let you open an account prior to arrival? If so, we need to change that info if it's no longer correct.
I did. Here's what I found.

https://www.cibc.com/ca/apply/ndao/a...&newComer=true
To apply online, you must meet the following criteria:

You are a Canadian resident and you have reached the
age of majority
NewStart Banking Plan | BMO Bank of Montreal
It’s easy to sign up for BMO NewStart™

You are eligible for the NewStart™ program if you are a landed immigrant or foreign worker who has arrived in Canada within the last 5 years.

Visit your local branch.
When I was looking I didn't check RBC as I didn't think it had enough branches for where I was going, they seem to have an option for persons who 'have not arrived in Canada yet':
Banking Packages – Immigrating to Canada – RBC Royal Bank
Haven’t Arrived in Canada Yet?

Give us a call and we’ll help you with whatever stage you’re at.

Call collect: 1-506-864-2275

Open an account online (opens new window)
Didn't want to bank with HSBC as they only have a branch in Halifax.
I was looking at NS and only tried the banking accounts for newcomers though. I figured, as I wasn't PR until I landed there was no use in continuing this online, YMMV. For me it was just as easy to set it up in NS.

Last edited by CFAmovingsoon; Jan 30th 2015 at 8:41 am.
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Old Jan 30th 2015, 10:59 am
  #387  
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Default Re: Potentially moving to Halifax, NS

We used HSBC in the UK and opened Canadian bank account with them before we moved, was nice having credit and debit card all set up. We do everything online and haven't had any issues and living 2 hours away from Halifax have had no need to go to the bank itself to deal with anything
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Old Jan 30th 2015, 12:59 pm
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Default Re: Potentially moving to Halifax, NS

Originally Posted by Novocastrian View Post
Wash your brain out and think about that again..
Haha, I read that back several times and couldn't see what was wrong so decided I was tired... I'll put it down to working too many hours yesterday and moving furniture in my spare time!!!
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Old Jan 30th 2015, 1:24 pm
  #389  
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Default Re: Potentially moving to Halifax, NS

Originally Posted by DandNHill View Post
If you borrow somebodies car, you borrow their insurance which no doubt is a higher risk for the insurance company, so increases the premium... also there are less people paying in so the premiums have to be higher to be able to enable insurance companies to pay out when an insured makes a claim. There must be other differences which go towards justifying higher premiums over here... I spent 6 months working for an insurance company but I have conveniently forgotten most of what I learnt!!
The car insurance companies don't set the premiums. They suggest premiums they'd like to charge for government approval and it's the government that has the final say; last year the Ontario government cut all auto insurance premiums.

Since many of the same companies operate here as in the UK and the US we can reasonably suppose that, given the freedom, they'd calculate their auto premiums here in the same way as they do other lines of business here or vehicles in the UK. That method being approximately that actuaries project how much money is needed to achieve an acceptable loss ratio and sales people bump it up to the highest number they think they can get. Note that surprisingly few insurance companies in the US calculate their own premiums, they typically buy the rates from a shared service and then bump them so as not to "leave money on the table", that is, charge less than the driver will pay.

The problem in Canada is that a very high premium is needed to achieve even a break even loss ratio and a break even loss ration won't do in a time of low interest rates. The crux of this matter is that people in Canada drive badly and they like to sue each other.

There's all manner of other things wrong with the insurance industry in Canada, of course; archaic working practices, multiple levels of government meddling in every detail of the premium calculation, ill considered reporting requirements, the agency system, rampant nepotism, product bundling reducing competition, lawyers, and the dishonesty and corruption typical of the industry worldwide. However the inability of people in Canada to turn their vehicle lights on and steer out of the way of other cars is not the fault of the insurance companies.
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Old Jan 30th 2015, 2:19 pm
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Default Re: Potentially moving to Halifax, NS

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