Originally Posted by iaink (Post 8156538)

$150 a month is not the worst cost I've seen.

Originally Posted by dbd33 (Post 8156765)

The Beetle is $3,000/year with a $5,000 deductible for collision and no windshield coverage.

Originally Posted by Atlantic Xpat (Post 8156818)

Ouch! The recent interface with a truck load of rebar sounds like an expensive proposition in that case?

Originally Posted by dbd33 (Post 8156824)

The estimate for the Beetle repair is $12,000 but $3,000 in parts and $800 in labour is for the soft top; I expect I'll just duct tape over the hole.

Originally Posted by Atlantic Xpat (Post 8156608)

Try Johnson Insurance. I think they cover NB.

I renewed our insurance today. With 5 years claim free history in Canada (but unfortunately a claim in the UK in the year I left) it will cost us $2100 to insure a car, a truck and an ATV for the year. $150 a month would be lovely in comparison!

Originally Posted by iaink (Post 8156842)

You could just drive it with the roof down for the winter to prove some macho point...

Originally Posted by ClanickP (Post 8156854)

Do they do winter tyres and chains for bicycles?:D

Originally Posted by iaink (Post 8156861)

You can get studded tires....

Why you would want to I dont know...

Originally Posted by luvmykids (Post 8156438)

We got our car insurance through a broker here back in July. We gave copies of our no claims etc and got a deal through AXA. Suddenly at the end of September we were told that our no claims did not count in Canada as we had out of North America driving experience, so we have to pay full premium :eek:

Our broker said he'd try and find someone else who could insure us, but has since come back and said he can't find anyone.

We are in New Brunswick, is this just a provincial issue or a Canada wide one? What companies have you got insurance from and have they honored your no claims? We have coming on to ten years so we are reluctant to let it slip away!

Any recommendation of a good insurance company would be good as we are paying over $150 per month in car insurance at the moment.

Thanks :)

Originally Posted by dbd33 (Post 8156765)

The Beetle is $3,000/year with a $5,000 deductible for collision and no windshield coverage.

Originally Posted by Auld Yin (Post 8157807)

Does this reflect an accident/ticket prone driving history? I insure two relatively new, not inexpensive vehicles for $1,800 annually with a $500 deductible and windshield coverage. Previous posts by you suggest you speed excessively on a regular basis.

Originally Posted by dbd33 (Post 8158980)

I routinely drive at the speed expressed on the signs at the side of the road, using them as a guide to the appropriate mph at which to travel. Obviously, I don't consider this excessive. I did get a ticket once, yes. I also drive 40,000 miles a year, that has some bearing on the premiums.

Originally Posted by Greenhill (Post 8159048)

Consider fitting smaller wheels and tyres to the car (around 60% of the size of those currently installed).

Although this might increase the difficulty of the macho challenge, the illusion of breaking the speed limits (without actually breaking the speed limits) will be the reward.

Originally Posted by dbd33 (Post 8159066)

Oh, I assure you that tootling along in a Beetle at 80mph is not a macho thing, it's just cruising.

Originally Posted by iaink (Post 8159278)

Cruising in a Beetle? sorry...I think I just got totally the wrong mental image:rofl:

Originally Posted by dbd33 (Post 8159322)

As have the many pedestrians I find myself chatting to along Church St.

Originally Posted by iaink (Post 8159332)

Like that never happened in the Mustang...

Originally Posted by dbd33 (Post 8158980)

I routinely drive at the speed expressed on the signs at the side of the road, using them as a guide to the appropriate mph at which to travel. Obviously, I don't consider this excessive. I did get a ticket once, yes. I also drive 40,000 miles a year, that has some bearing on the premiums.

Originally Posted by Auld Yin (Post 8159371)

So you drive, whenever possible, at 64km in a 40km zone
80km in a 50km zone
129km in a 80km zone
160km in a 100km zone

If this be so, and for someone who I consider, from his scribblings, to have a well above average intellect you are incredibly irresponsible, verging on stupid. It's only by providence you haven't killed or severely maimed someone.

Even driving 40k miles per year for business would not, IMO, have such a bearing on your insurance costs.

Originally Posted by Atlantic Xpat (Post 8159378)

Auld Yin, I'd invite you to reflect on the general tone of dbd33's posts and the hint of exaggeration that creeps in. Plus, the man is talking about the GTA. I've been there. It's impossible to drive at more than 40kmh for most of the time due to the traffic.;)

Originally Posted by Auld Yin (Post 8159371)

<50km in a 40km zone
60-70km in a 50km zone
100km in a 80km zone
120-125km in a 100km zone

Originally Posted by Atlantic Xpat (Post 8159378)

Auld Yin, I'd invite you to reflect on the general tone of dbd33's posts and the hint of exaggeration that creeps in. Plus, the man is talking about the GTA. I've been there. It's impossible to drive at more than 40kmh for most of the time due to the traffic.;)

Originally Posted by Souvy (Post 8159443)

Talking of insurance, I reckon the claims guys are going to be quite busy today. The first storm of the season and it's a right bastard. Heavy snow coupled with high winds. Nice.

Originally Posted by dbd33 (Post 8159446)

I made note of the weather and tried not to crash.

Originally Posted by spankysparkle (Post 8159586)

So how will they calculate his premiums?

Originally Posted by iaink (Post 8159596)

Expensively, with lots of zeros I suspect:(

Originally Posted by spankysparkle (Post 8159630)

oh gods i knew it, i knew it! we're all doomed!!

Originally Posted by spankysparkle (Post 8159586)

apologies if i'm hi-jacking the thread, but it is related so i thought I'll ask.
How will the premiums be calculated in our case?:

Lets just say in Canada (Alberta?) I have a car and Mr Fluff has a car:
I have no claims in UK with no points lost (2005-2007) and 1 claim in 2007 in Germany with no points lost (2007 - 2010). Before that we were in SA so I'll ignore that. How will my premiums be calculated?

Mr Fluff has not owned a car since 2000, but has always been an insured driver with my insurance. No claims under his belt, no points lost. So how will they calculate his premiums?

I'm already preparing for the worst and having to pay the full premiums with no discounts.

anyone have any ideas?

Originally Posted by AlexInBC (Post 8159736)

Your "no claims" in the UK is sadly irrelevant as the claim in Germany cancels it out. They're specific about needing to know how long you've been claim free, not what percentage your "no claims bonus" is at, as so many people have their "no claims" protected now (in the UK at least!) If you were to seek Canadian car insurance in 2010 you'd be able to claim to have had 2 years with no accidents or claims (assuming you don't have any more in the meantime!) which will probably give you a tiny discount. Unfortunately your husband will start from scratch as having been a named driver doesn't count.