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Search: Posts Made By: dbd33
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Forum: Canada
Feb 12th 2012, 2:11 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

He fails to appreciate just how badly people in Canada drive.
Forum: Canada
Jan 24th 2012, 1:46 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

Private companies offering "even less options" than what?

It's not germane but the Cooperators isn't a private company, the clue is in the name.

It does surprise me that there are AB companies...
Forum: Canada
Jan 24th 2012, 1:39 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

It directly reduces the premium so, if that's the objective, it helps. On edit, I'd like to amplify that, if you make a claim your subsequent premiums will be punitive, ruinous, so you're only going...
Forum: Canada
Jan 24th 2012, 1:34 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

"If you are moving to Yellowknife as in YZF you will even have less options as it is private insurance companies up there."



I don't know if you can sue the quangoes, I was thinking of the...
Forum: Canada
Jan 24th 2012, 1:18 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

The more companies there are the more choices the consumer has, I take issue with your claim that government insurance offers more choice; that would only be true if there were both government and...
Forum: Canada
Jan 24th 2012, 12:23 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

Surely private insurance means more options, not less. The Cooperators do have provision to credit foreign driving experience but their rating criteria are quite strict so an immigrant is unlikely to...
Forum: Canada
Jan 23rd 2012, 11:30 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

No mistake, you're right that the two of you are named drivers on the policy. That's unusual but plainly it does exist.
Forum: Canada
Jan 23rd 2012, 6:25 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

On the pink slip? Is there wording along the lines of "to be driven only by Mr and Mrs YoshiPal2010"?
Forum: Canada
Jan 23rd 2012, 5:55 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

I did that for a decade or so, saved quite a lot that way.
Forum: Canada
Jan 22nd 2012, 6:11 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

No. There aren't named drivers in Canada (at least not in provinces where there's commercial car insurance). What there is is "any driver" policies for which the premium is based on all the drivers...
Forum: Canada
Jan 20th 2012, 7:03 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

I thought you might know that but that it might come as a surprise to other readers that so many underwriting criteria used in other markets are not allowed here. The effect is that, for example, a...
Forum: Canada
Jan 20th 2012, 6:24 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

They might do that, just as companies don't use age but have a sudden drop in premium for eight years licensed, but every year there would be new legislation to close whatever loop hole they were...
Forum: Canada
Jan 20th 2012, 6:04 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

A problem for the new insurer is that it's not lawful to discriminate based on country of origin. Similarly, depending on the province, it may not be lawful to discriminate based on age or sex. The...
Forum: Canada
Jan 20th 2012, 4:10 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

I'm still trying to convert all the Canadian numbers to miles. ****ing government, has to complicate everything!

A quick glance at the chart in your link though shows more deaths per kilogram in...
Forum: Canada
Jan 20th 2012, 3:05 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

I think what's killing this is probably the lack of a credit history. A company I, ahem, know well, loads the premium three times if the prospective customer has a poor credit rating or won't allow a...
Forum: Canada
Jan 20th 2012, 1:54 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

I believe I showed that last time around this topic. Will have a hunt.
Forum: Canada
Jan 20th 2012, 1:34 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

Business limitations are very different across Canada, if that's what you mean. Legislative differences make it hard to compare different markets within Canada while ON is a lot like OH or MA.
...
Forum: Canada
Jan 20th 2012, 1:13 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

Compared with what though? Car insurance isn't a very profitable line of business for the underwriting companies, it's cash flow and attracts better business (houses, boats, small commercial) from...
Forum: Canada
Jan 20th 2012, 12:48 pm
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

Rates in Canada are high compared with markets such as the US and the UK because the people drive badly and are litigious. They're higher in the GTA than in the rest of Ontario because there are...
Forum: Canada
Jan 20th 2012, 10:29 am
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

Location is a factor in Ontario rating. Get them to requote using M5B *** and you'll notice a difference (assuming that is that you're not so far out that it costs the same as being in).
Forum: Canada
Jan 20th 2012, 12:47 am
Replies: 119
Views: 12,527
Posted By dbd33

Re: $4500/yr car insurance with three star?

Seems like a bargain, or anyway the going rate, to me.
Showing results 1 to 21 of 21


 
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