REVscene - Vancouver Automotive Forum


Welcome to the REVscene Automotive Forum forums.

Registration is Free!You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today! The banners on the left side and below do not show for registered users!

If you have any problems with the registration process or your account login, please contact contact us.


Go Back   REVscene Automotive Forum > Automotive Chat > Police Forum

Police Forum Police Head Mod: Skidmark
Questions & info about the Motor Vehicle Act. Mature discussion only.

Reply
 
Thread Tools
Old 08-17-2010, 05:56 PM   #1
I contribute to threads in the offtopic forum
 
Join Date: Dec 2003
Location: Vancouver
Posts: 2,703
Thanked 1,010 Times in 404 Posts
ICBC: Comprehensive vs Specified Perils

So I just found out that there is this coverage (new to me) called specified perils. It covers almost everything that comprehensive covers except windshield damage, malicious mischief, vandalism and hitting an animal.

I'm debating on if I should actually switch it to Specified Perils because it says on ICBC website that it is cheaper and was wondering if anyone know how much cheaper it is.

Also, does anyone know how much (approximately) to replacing a whole windshield on a car? Roughly.
Advertisement
mr_chin is online now   Reply With Quote
Old 08-17-2010, 11:49 PM   #2
HELP ME PLS!!!
 
johny's Avatar
 
Join Date: Jan 2004
Location: here
Posts: 5,793
Thanked 146 Times in 67 Posts
I would guess around a grand for a windshield, but not sure.
johny is offline   Reply With Quote
Old 08-18-2010, 01:01 PM   #3
Where's my RS Christmas Lobster?!
 
Join Date: Jan 2010
Location: vancouver
Posts: 827
Thanked 184 Times in 106 Posts
Windshield replacement depends on the car. On a newer or luxury car, some of them are polarized and may have some built-in laminating for rearview mirror modules. Also depends on whether or not you want that tint strip on the top of the windshield. They can be as cheap as $300 (civic, cavalier, etc) to as much as $1500 (BMW 5/7, MB C,E,S class)

so with that in mind, what car you have?
BallPeenHammer2 is offline   Reply With Quote
Old 08-18-2010, 01:08 PM   #4
I *heart* Revscene.net very Muchie
 
jlenko's Avatar
 
Join Date: May 2001
Location: Burnaby, BC
Posts: 3,562
Thanked 330 Times in 163 Posts
Keep in mind, specified perils means if someone keys your car.. or breaks into it.. or lights it on fire... you're SOL.

If you want to save some money.. check out a second-party insurer for your extended coverage.
__________________
Don't be the next RS.net statistic - If you drink, don't drive. You'll lose your licence, and the rest of us will laugh at you.
jlenko is offline   Reply With Quote
Old 08-18-2010, 01:15 PM   #5
Where's my RS Christmas Lobster?!
 
Join Date: Jan 2010
Location: vancouver
Posts: 827
Thanked 184 Times in 106 Posts
^ Lenko's correct. Places like Canadian Direct can provide comprehensive packages for a fraction of the cost of ICBC. Only stipulation with them and other private insurance firms, are that your rate depends on how many driving infractions/tickets you've had in the last 5 years. The less tickets, the lower the rates.
BallPeenHammer2 is offline   Reply With Quote
Old 08-18-2010, 06:07 PM   #6
B&S Sexy mod
 
stevo911_'s Avatar
 
Join Date: Jun 2005
Location: Victoria
Posts: 7,522
Thanked 12 Times in 7 Posts
Whats the price difference?
Basically specified perils doesnt cover all the most common occurences?
New windshield on my crx was ~$500 all said and done
stevo911_ is offline   Reply With Quote
Old 08-18-2010, 07:36 PM   #7
I contribute to threads in the offtopic forum
 
Join Date: Dec 2003
Location: Vancouver
Posts: 2,703
Thanked 1,010 Times in 404 Posts
I've never experienced any vandalism that cost more than $300.

Never had my car broken into. So I'm wondering how much these windshield cost to repair including labour. If they exceed $300, I guess comprehensive would be the way to go.

Now as for second party insurers, are they reliable? How much of a difference if my driving infractions for the last 5 years is near perfect?
mr_chin is online now   Reply With Quote
Old 08-18-2010, 08:43 PM   #8
private modder
 
Eff-1's Avatar
 
Join Date: Feb 2002
Location: North Shore
Posts: 6,054
Thanked 1,641 Times in 422 Posts
i've never had any comprehensive claim cost less than $300 total.

windshield replacement easily costs $500 or more on any car

break ins - cost of broken glass repair, damage to paint, damage to interior, clean up and detail, etc.

private insurance is not just based on claim record and tickets. I have a claim-free record, no tickets, etc. But because I drive a convertible and live downtown, CDI is always more expensive than ICBC.

go to canadian direct's website and they will give you an online quote. BCAA also gives online quotes.
Eff-1 is online now   Reply With Quote
Old 08-18-2010, 10:01 PM   #9
Where's my RS Christmas Lobster?!
 
Join Date: Jan 2010
Location: vancouver
Posts: 827
Thanked 184 Times in 106 Posts
Quote:
Originally Posted by Eff-1 View Post
i've never had any comprehensive claim cost less than $300 total.

windshield replacement easily costs $500 or more on any car

.
Depends. I had mine replaced 'cuz it had a crack due to loose rocks.

I work in the auto industry. My windshield cost me $200.

But again, really depends on the car.
BallPeenHammer2 is offline   Reply With Quote
Old 08-18-2010, 10:41 PM   #10
resident Oil Guru
 
LiquidTurbo's Avatar
 
Join Date: Mar 2005
Location: Vancouver
Posts: 7,716
Thanked 10,457 Times in 1,794 Posts
Comphrensive plus 300 deductable just to be eligible for a $200 deductable windshield is just silly. If you do the math, it cost so much more in the long run..
LiquidTurbo is offline   Reply With Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off



All times are GMT -8. The time now is 11:11 PM.


Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
SEO by vBSEO ©2011, Crawlability, Inc.
Revscene.net cannot be held accountable for the actions of its members nor does the opinions of the members represent that of Revscene.net