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05-05-2011, 09:54 AM
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#26 | | "They call me Bowser...RawR!"
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I'm sure someone's gonna find loopholes
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05-05-2011, 10:24 AM
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#27 | | Banned (ABWS)
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Originally Posted by TRDood  They do. Some what.
Pleasure vs. 15 km or less to work/school vs. 15 km or more to work/school.
I agree with you though. More time spent on the road = exposure to risk. Posted via RS Mobile | They also do rates by where you live. If you only drive 10K yet do mostly urban driving in Vancouver you're more likely to have an accident than someone doing mostly highway/rural driving in interior BC.
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05-05-2011, 11:08 AM
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#28 | | I WANT MY 10 YEARS BACK FROM RS.net!
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Originally Posted by Marco911 What isn't fair is that a driver that drives 100K km a year pays the same insurance as a driver driving 20K km /yr.
If they wanted to scale insurance based on risk, they should take mileage into account rather than a safe driver who happens to be unlucky and get a couple of tickets. | the rule or law will NEVER make sense perfectly...they're made by human, there always will be some flaw.
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05-05-2011, 11:18 AM
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#29 | | Prince of the Apes
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honestly we need a privatized system for car insurance so we can actually have competitive rates. ICBC is a worst then the telecom companies we have..
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[26-08, 13:50] Jesusjuice is this a sports car forum? why are there so many hondas?
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05-05-2011, 11:25 AM
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#30 | | I WANT MY 10 YEARS BACK FROM RS.net!
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yea ICBC dominates BC so they can do whatever they want no matter how unreasonable their decisions are
is there's a law? only ICBC can be the car insurance company?
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05-05-2011, 11:38 AM
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#31 | | I contribute to threads in the offtopic forum
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Originally Posted by DHP 1 time to purchase a radar detector everyone | Maybe lol
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05-05-2011, 11:38 AM
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#32 | | Willing to sell body for a few minutes on RS
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This would be fine if they lowered the rates for those with no tickets but that isn't going to happen.
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The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I donīt care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. Thatīs how winning is done. Now, if you know what you worth, go out and get what you worth. - Rocky Balboa | |
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05-05-2011, 12:19 PM
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#33 | | Banned (ABWS)
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Originally Posted by quasi This would be fine if they lowered the rates for those with no tickets but that isn't going to happen. | Exactly, they're not going to lower the rates for "good drivers" they're just going to raise the rates for the bad ones, so it looks like good drivers are getting a discount. Just like everything this "non-profit" organization does this is just another cash grab so the execs. can make HUGE bonuses like every other year. In my eyes it's an EPIC  | |
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05-05-2011, 01:10 PM
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#34 | | Willing to sell a family member for a few minutes on RS
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Originally Posted by taylor192 Instead of changing the system to punish bad drivers more, how about rewarding good drivers. I'd hate to have a 20 year clean record and only a 40% discount. | This is what I've been saying forever. There should be free insurance or a heavy discount if you've had a clean record. There should be no cap on the discount if been driving 20 years with no accidents, speeding tickets etc... I'm somewhere close to 14 years with no accidents.
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05-05-2011, 01:20 PM
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#35 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
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Originally Posted by bloodmack honestly we need a privatized system for car insurance so we can actually have competitive rates. ICBC is a worst then the telecom companies we have.. | What what you wish for. While a private system may reward good drivers - it absolutely punishes bad drivers or potentially risky drivers. As young males we'd be very punished by the private system since our demographic is at higher risk.
I find the ICBC system very fair with how they handle the discount level. If you have an accident you know exactly how much you'll drop. With private insurance you're never sure - even companies with "accident forgiveness" have so many loopholes they could deny you for. Worse, if you do have an accident it becomes nearly impossible to switch insurers - they will all want a premium for you to switch with a recent bad driving record - so your insurance company can jack the rates sky high and you're stuck.
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05-05-2011, 02:09 PM
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#36 | | I subscribe to the Fight Club ONLY
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Originally Posted by bloodmack honestly we need a privatized system for car insurance so we can actually have competitive rates. ICBC is a worst then the telecom companies we have.. | If you are a 62 year old man with a clean driving record it is good to have.
Take a look at what young males pay for insurance back east in Ontario...you will be embracing ICBC when you compare their rates
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05-05-2011, 02:25 PM
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#37 | | Banned By Establishment
Join Date: Mar 2006 Location: Richmond
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i got hit by drp. for 1 excessive speeding ticket, I paid 2k over a 3 year time period. Bullshit if you ask me.
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05-05-2011, 02:39 PM
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#38 | | Banned (ABWS)
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Originally Posted by MajinHurricane i got hit by drp. for 1 excessive speeding ticket, I paid 2k over a 3 year time period. Bullshit if you ask me. | You'd pay a lot more than that under a private system, and for a lot longer. Some things stay on your record for 6-10 years.
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05-05-2011, 03:22 PM
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#39 | | YOU CANT CUT BACK ON FUNDING! YOU WILL REGRET THIS
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I wonder what mr. XTC604's insurance rate will be 
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05-05-2011, 03:25 PM
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#40 | | Wunder? Wonder?? Wander???
Join Date: Apr 2011 Location: Richmond
Posts: 238
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^He's too fast to be caught, so no speeding ticket.
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05-05-2011, 03:49 PM
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#41 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Jan 2005 Location: Vancouver
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Escort and Valentine will be pleased to hear about this Posted via RS Mobile | |
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05-05-2011, 03:55 PM
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#42 | | Wanna have a threesome?
Join Date: Oct 2010 Location: Squamish
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In theory privitization would lower rates, in practice our public system is infinitely supperior. There's a reason that even Gord the sword, who sold off crow corporations with great enthusiasm, kept icbc. Quote:
Originally Posted by bloodmack honestly we need a privatized system for car insurance so we can actually have competitive rates. ICBC is a worst then the telecom companies we have.. | Posted via RS Mobile | |
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05-05-2011, 03:56 PM
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#43 | | OMGWTFBBQ is a common word I say everyday
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Originally Posted by frozen ^He's too fast to be caught, so no speeding ticket. | Not if theres snow on the ground...
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05-05-2011, 09:43 PM
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#44 | | Rs has made me the man i am today!
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government is getting poor  | |
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05-06-2011, 06:12 AM
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#45 | | I WANT MY 10 YEARS BACK FROM RS.net!
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Originally Posted by optiblue government is getting poor | that's because the nation is getting poor due to shit like this
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05-06-2011, 06:33 AM
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#46 | | OMGWTFBBQ is a common word I say everyday
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__________________ My Flickr Quote:
Originally Posted by MelonBoy really?.. some reason im afraid of taking shits after ghost movies.. i always think about what if a ghost's hand came out of the toilet and grabbed my nuts or stuck its hand in my ass -___________-.... i mean if it came outa the mirror id have reaction time to run but the toilets.. thats a pretty good blind spot to sneak up on people from -_____- ... | | |
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05-06-2011, 09:00 AM
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#47 | | YOU CANT CUT BACK ON FUNDING! YOU WILL REGRET THIS
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Originally Posted by metal | if people in Richmond stop driving their lexuses /lexi? into shopping malls or car dealerships we will see this
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05-06-2011, 03:27 PM
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#48 | | I *Fwap* *Fwap* *Fwap* to RS
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Originally Posted by metal | This would only happen if BCUC tells ICBC to give a rebate to everyone and we know that will not happen because the Government will take the money for themselves. http://www.ctvbc.ctv.ca/servlet/an/l...ritishColumbia
Our rates should have been lowered but instead all the money went to the Government instead.
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05-06-2011, 06:38 PM
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#49 | | private modder
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When I spoke with my broker a couple years ago, I believe he mentioned ICBC no longer charges different rates for >15km or <15kms. They still ask you the question, but the rates are the same. As long as you're commuting each day, those who drive more than 15 kms haven't statistically shown they are a higher risk that those who drive 15 kms or less.
There is still, however, a different rate class for pleasure use vs commuter use.
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05-06-2011, 06:53 PM
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#50 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
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Originally Posted by Eff-1 When I spoke with my broker a couple years ago, I believe he mentioned ICBC no longer charges different rates for >15km or <15kms. They still ask you the question, but the rates are the same. As long as you're commuting each day, those who drive more than 15 kms haven't statistically shown they are a higher risk that those who drive 15 kms or less.
There is still, however, a different rate class for pleasure use vs commuter use. | The premium to drive over 15kms is still more than under 15. Its usually not a big difference over a year. ~$40-$50 more a year.
Many years ago, the difference used to be a few dollars more.
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