auto insurance question

Old Oct 17th 2002, 8:20 am
  #1  
Christina
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Default auto insurance question

i am gonna be landing on or around november 1st and my fiance has a
car for me already. my question is about geting insurance. would it
be necessary to have a DMV print out from where i live now to get a
canadian drivers licence and to purchace insurance?
 
Old Oct 17th 2002, 10:10 am
  #2  
The Wizzard
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Default Re: auto insurance question

which province are you going to? They all have their own rules and some
provinces like BC have just one government linked insurere where as somewher
elike Ontario has many indipendant ones.
As far as the license goes you need to check your destination provinces
rules. In say Ontario you have 60 days before youhave to get an Ontario one,
people from some countries like USA, Japan and some others can just swap
their license for an Ontario one as long as they can demonstrate 2 years
good driving record, so a print out from the DMV may help prove that.
As far as insurance goes then you need to bring any kind of proof you can
from previous insurers, letters stating any no claims bonuses or whatever
and see wether the insurers will accept them. Either way you are gonna pay
more as you will be a bigger risk being a new resident of the province and
indeed the country.
Possibly you can be added as an additional driver to the car if it is
insured under your husbands name that way you can drive it for a while and
sort out your license and own insurance?


"Christina" wrote in message
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...
    > i am gonna be landing on or around november 1st and my fiance has a
    > car for me already. my question is about geting insurance. would it
    > be necessary to have a DMV print out from where i live now to get a
    > canadian drivers licence and to purchace insurance?
 
Old Oct 17th 2002, 4:35 pm
  #3  
Aaa_for_sale
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Default Re: auto insurance question

Christina ([email protected]) said:

    > i am gonna be landing on or around november 1st and my fiance has a
    > car for me already. my question is about geting insurance. would it
    > be necessary to have a DMV print out from where i live now to get a
    > canadian drivers licence and to purchace insurance?

No, but it would be handy. Also, to get discounts for auto insurance,
you should have a claims letter from your previous insurers when you start
off. It may save quite a bit of money.

In BC, I recommend Canadian Direct Insurance for the optional coverages
(Collision, Comp, Excess liability)
 
Old Oct 18th 2002, 4:24 am
  #4  
Cynically amused.
 
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Default Re: auto insurance question

Originally posted by Christina:
i am gonna be landing on or around november 1st and my fiance has a
car for me already. my question is about geting insurance. would it
be necessary to have a DMV print out from where i live now to get a
canadian drivers licence and to purchace insurance?
Don't forget that you need to pass a driving test in your province too, and I believe you have to be a PR to be able to take it. It's nowhere near as hard as the UK one but you have to do daft things like *really* check the blind spot over your shoulder (so that the examiner notices) because they don't drive on their mirrors here! A letter from your UK insurer will help in BC, but for the main coverage you have no choice other than ICBC. Costs a fortune, and you have to wait SIX years to get full no-claims. That is called Road Star. Or Rip off Racket, whichever you prefer.
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Old Oct 18th 2002, 5:22 am
  #5  
Aaa_for_sale
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Default Re: auto insurance question

dingbat ([email protected]) said:

    >A letter from your UK
    >insurer will help in BC, but for the main coverage you have no choice
    >other than ICBC. Costs a fortune, and you have to wait SIX years to get
    >full no-claims.
This comment is only partially correct. It will take six years
(actually closer to 9, now) to get full discounts if you are unable to prove
previous claims free driving history. If you come from certain countries
(such as Europe, Australasia & USA) your claims letter from your previous
insurer will be taken into consideration...in many cases helping you get
almost the maximum discount straight away.
 
Old Oct 18th 2002, 11:49 am
  #6  
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Default Re: auto insurance question

[QUOTE][SIZE=1]Originally posted by Aaa_for_sale:
dingbat ([email protected]) said:

    >A letter from your UK
    >insurer will help in BC, but for the main coverage you have no choice
    >other than ICBC. Costs a fortune, and you have to wait SIX years to get
    >full no-claims.
This comment is only partially correct. It will take six years
(actually closer to 9, now) to get full discounts if you are unable to prove
previous claims free driving history. If you come from certain countries
(such as Europe, Australasia & USA) your claims letter from your previous
insurer will be taken into consideration...in many cases helping you get
almost the maximum discount straight away.

Actually I think you might want to check with ICBC - I did - before I posted - as I had letters from my UK insurers demonstrating a decade of blemish free driving record when I got here in 1996. My first Canadian car insurance was astronomical nonetheless. I got the maximum "discount" ha ha, but it is still a loaded base rate. Full no-claims in the UK means you get the maximum discounted rate in your class of vehicle - here it means that you get the maximum discount only - Roadstar is the only way you can get the full benefit of years of good driving history. I had to fight tooth and nail to get mine put on in 2001. Best for others to check the site direct:

http://www.icbc.com/Insurance/insura_prmset.html.
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Old Oct 18th 2002, 12:33 pm
  #7  
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Default Re: auto insurance question

If you are from the US and already have a car insured there, switch to State Farm right now. They are in both countries and you can move over from the US to the Canadian with no problem. That's what I did and it worked perfectly.

Bring your DMV printout and whatever proof of how many years experience you have driving as you will need it. You can trade in your US licence for a Canadian one by just filling out paperwork as long as you can prove 2+ years of driving experience. No need to take a driving or written test.
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Old Oct 18th 2002, 2:38 pm
  #8  
Rich Wales
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Default Re: auto insurance question

"sysclp" wrote:

> If you are from the US and already have a car insured there,
> switch to State Farm right now. They are in both countries
> and you can move over from the US to the Canadian with no
> problem. That's what I did and it worked perfectly.

I did the same thing when we moved to Ontario in 1993.

Note, though, that State Farm's Canadian operation (www.statefarm.ca)
operates only in Ontario, New Brunswick, and Alberta. If someone is
moving to a different part of Canada, having State Farm may not help.

Even if one is moving to a province where State Farm operates, the
fact of having switched insurance companies so soon before immigrating
might make it harder to prove a long history of accident-free driving.
I had already been with State Farm for several years before we moved.

Rich Wales [email protected]
http://www.richw.org
*NOTE: I've lived in both Canada and the US and have dual citizenship.
*DISCLAIMER: I am not a lawyer, professional immigration consultant,
or consular officer. My comments are for discussion purposes only and
are not intended to be relied upon as legal or professional advice.
 
Old Oct 18th 2002, 4:31 pm
  #9  
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Default Re: auto insurance question

Originally posted by Rich Wales:
Even if one is moving to a province where State Farm operates, the
fact of having switched insurance companies so soon before immigrating
might make it harder to prove a long history of accident-free driving.
I had already been with State Farm for several years before we moved.
I changed to State Farm less than a month before I moved and it was no problem as they got my record from my previous insurance company when I changed over in the US. I had my home insurance with State Farm for years, but my car insurance had always been with another (cheaper) company.

I had heard a few horror stories about coming up here and trying to get insurance and that getting with a company that services both countries was the way to go. Definitely worked like a charm.
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