| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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09-23-2019, 05:50 AM
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#401 | | private modder
Join Date: Feb 2002 Location: North Shore
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The make/model of car also still factors in, no? I suspect ICBC took the opportunity under the new system to update those rate classes as well. So for those who are seeing increases, it's possible your make/model of car may be now be under more expensive rate class than last year.
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09-23-2019, 07:52 AM
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#402 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
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Originally Posted by Messerschmitt  I was asked if my 2015 ecobox car had automous breaking. Looked like the autoplan rep had no clue. Should've said yes and get myself a free 10% discount.
Anyway, rate went up by $200... Their 56% of people will pay less is BS from what I'm reading here. There should be an inquiry made where those numbers come from | Once again, the demographic on these forums is not representative of the province as a whole.
Most forum members are below the average driving age in the province and the new system heavily weighs on driving experience.
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09-23-2019, 10:05 AM
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#403 | | RS has made me the bitter person i am today!
Join Date: Oct 2006 Location: van
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I'd be very interested to hear how much RS members parents are saving and whether it corroborates the claims. Since they'd be the demographic who should be saving greatly. Dependant on their history,of course
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Gold is the money of kings;
Silver is the money of gentlemen;
Barter is the money of peasants;
But debt is the money of slaves.
-Norm Franz
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09-23-2019, 01:04 PM
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#404 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
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I already said. My mother renewed, same car, address, driving etc. 40 years no accidents or claims, went down $10 for the year
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09-23-2019, 02:18 PM
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#405 | | RS has made me the bitter person i am today!
Join Date: Oct 2006 Location: van
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Yes, i did read that.
Would like to hear from others as well
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Gold is the money of kings;
Silver is the money of gentlemen;
Barter is the money of peasants;
But debt is the money of slaves.
-Norm Franz
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09-23-2019, 08:50 PM
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#406 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,299
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Originally Posted by StanleyR Thing is, in Calgary you can literally shop for different/better rates.
And when I say shop, I mean SHOP. | You can shop around here too, you only need to get basic through ICBC. Nobody does though, and then they complain about it.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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09-23-2019, 08:57 PM
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#407 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
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^
I have plenty of times, they’re all pretty much shit or even more expensive than ICBC. Might get lucky though on certain cars.
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09-23-2019, 10:18 PM
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#408 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
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Yeah I shopped for my BMW a few years ago and none of the private insurers were even close to ICBC. Must’ve got a half dozen different quotes and closest was still over $400/year more.
Private was slightly cheaper on my old Civic, but not by much.
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09-24-2019, 10:08 AM
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#409 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
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If they're all worse than ICBC why do people think if we went full private they'd save any money? If what you guys experienced is the norm full private would have all our rates go up even more.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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09-24-2019, 10:20 AM
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#410 | | Hypa owned my ass at least once
Join Date: Aug 2007 Location: Paradise, BC
Posts: 6,597
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Originally Posted by underscore If they're all worse than ICBC why do people think if we went full private they'd save any money? If what you guys experienced is the norm full private would have all our rates go up even more. | I find that those who cry the loudest (to have private auto insurance in BC) are usually people who have either come from another province with private insurance, or knows someone in another province with private insurance. Or maybe they are only working on the assumption that private insurance will make things cheaper.
IMO, there are 2 inherent "problems" in BC that makes our auto insurance more expensive than those in other provinces:
1) We have a lot of shxtty drivers in BC, more so than other provinces. That is to say, compared to other provinces, we have a higher percentage of shxtty drivers who are more prone to crashing.
2) Compared to other provinces, we have a higher percentage of more expensive vehicles that run around on the street -- think Richmond and UBC.  And they are far more expensive to repair after a collision.
Until we can properly deal with these 2 problems, we are always going to have expensive auto insurance. | 
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09-24-2019, 10:37 AM
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#411 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
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Originally Posted by Traum
2) Compared to other provinces, we have a higher percentage of more expensive vehicles that run around on the street -- think Richmond and UBC. And they are far more expensive to repair after a collision. | I think these stats need to be verified. BC is BIG. UBC and Richmond has nice cars, but I can name you 1000 towns in BC with the biggest pieces of shit rolling around. Take a drive up to 100mile house and beyond. There are always hot spots in each province/state with nice cars.
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09-24-2019, 10:57 AM
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#412 | | Hypa owned my ass at least once
Join Date: Aug 2007 Location: Paradise, BC
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Lower Mainland alone is home to 2.8M, and the entire BC has a population of ~5M. So numbers that concentrate on LM will skew everything in BC.
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09-24-2019, 12:02 PM
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#413 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
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Accident rates are also substantially higher in areas with high population densities.
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09-24-2019, 12:03 PM
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#414 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,522
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Originally Posted by Traum Lower Mainland alone is home to 2.8M, and the entire BC has a population of ~5M. So numbers that concentrate on LM will skew everything in BC. | Right, but Richmond and UBC as you suggested hardly makes up the "Lower Mainland".
Richmond only has like 200k and Van 600k.
Even if they all drove m4's that's only 800k ppl out of 5m. That's 800k people driving M4, including infants and 1-year-olds that can't walk.
I know what you're getting at, but those numbers are pure guesses.
Last edited by trollface; 09-24-2019 at 12:08 PM.
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09-24-2019, 12:05 PM
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#415 | | I Will not Admit my Addiction to RS
Join Date: May 2014 Location: Home*
Posts: 513
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so as per ICBC, they are insuring the driver and not the car. so going by this, if you have multiple cars, u get discount? as a driver can only driver one car at a time?
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09-24-2019, 12:16 PM
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#416 | | Hypa owned my ass at least once
Join Date: Aug 2007 Location: Paradise, BC
Posts: 6,597
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Originally Posted by trollface Right, but Richmond and UBC as you suggested hardly makes up the "Lower Mainland".
Richmond only has like 200k and Van 600k.
Even if they all drove m4's that's only 800k ppl out of 5m. That's 800k people driving M4, including infants and 1-year-olds that can't walk.
I know what you're getting at, but those numbers are pure guesses. | It really isn't just Richmond and UBC. As a personal observation / impression, I honestly think the percentage of more expensive cars are way higher in Metro Vancouver compared to, say, GTA, Montreal, Calgary, etc. And I am not just thinking supercars like Lamborghini, Ferrarris, MacLaren, etc. I'm really thinking way more BMWs, Mercedes, Audi compared to Toyota, Honda, Ford, Chevies, etc.
I would also say that in the Lower Mainland at least, cars generally seem newer than those in the GTA. That'd add to repair costs tool.
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09-24-2019, 01:06 PM
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#417 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,299
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Originally Posted by Traum I find that those who cry the loudest (to have private auto insurance in BC) are usually people who have either come from another province with private insurance, or knows someone in another province with private insurance. Or maybe they are only working on the assumption that private insurance will make things cheaper. | I think they hear about the one guy who gets a great rate (but probably has garbage coverage) and haven't heard all the horror stories. I mean they're free to get it here for most of their coverage but don't even check. Quote:
Originally Posted by Traum IMO, there are 2 inherent "problems" in BC that makes our auto insurance more expensive than those in other provinces: | I'm curious how the provinces compare for identical coverage. From an actual study and not the terribly fudged numbers IBC put out that everyone quotes and is all I can find. BC is also apparently the only province with a fund for hit and runs, everywhere else you're SOL. BC is probably also the only place that had the gov't swipe $1B from it 5 years ago. Quote:
Originally Posted by Traum 1) We have a lot of shxtty drivers in BC, more so than other provinces. That is to say, compared to other provinces, we have a higher percentage of shxtty drivers who are more prone to crashing. | The lower mainland sure seems to. My parents hadn't had a claim in ages but 4 years in Coquitlam and my dads car has been rearended twice, hit and run once, and had the window smashed once.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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09-24-2019, 03:17 PM
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#418 | | Ricer Mod
Join Date: Mar 2005 Location: Smithers
Posts: 7,008
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Originally Posted by welfare I'd be very interested to hear how much RS members parents are saving and whether it corroborates the claims. Since they'd be the demographic who should be saving greatly. Dependant on their history,of course | I might be someone on RS's dad. I saved $50 on my renewal. Getting old sucks man.
Berz out.
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President of RS Beat Down Crew
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09-25-2019, 06:58 PM
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#419 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,424
Thanked 14,776 Times in 3,871 Posts
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Hey can someone help me find the answer? Icbc’s website isn’t being clear.
- I am the owner and principal operator of my vehicle
- when I renew my insurance, I will add my wife on as an occasional driver as sometimes she does drive my car
That part is clear. But how about friends?
- my wife and I live alone, no other family in the house
- say my friend is the DD and is going to drive me home from a party in my car. Do they NEED to be on my secondary drivers list.
- icbc used to have a ‘occasional driver’ clause where if someone drove your vehicle less than 12 times a year, they did not have to be listed on your coverage
- is this the same under the new rules after September 2019? I can’t find the information
Edit: think I found it. As long as you buy the “unlisted driver protection” for $50 a year, occasional drivers may drive your vehicle who are not listed for up to 12 days a year
Last edited by 320icar; 09-25-2019 at 07:07 PM.
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09-25-2019, 07:13 PM
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#420 | | private modder
Join Date: Feb 2002 Location: North Shore
Posts: 6,743
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Here is the info you are looking for: https://www.icbc.com/insurance/produ...rotection.aspx
Listing drivers is only necessary if they drive more than 12x per year.
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09-25-2019, 07:51 PM
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#421 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,041
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i was told anyone who's not living with you can be covered under UDP
can you add more than 1 secondary driver? does it become 50 25 25?
what if you have 4 teenage kids/grown-ass manlets?
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09-25-2019, 08:00 PM
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#422 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,041
Thanked 9,826 Times in 3,906 Posts
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Originally Posted by underscore I think they hear about the one guy who gets a great rate (but probably has garbage coverage) and haven't heard all the horror stories. | cheap rates but limited coverage
expensive rates but fair coverage
as someone with clean record i'll take the former
regardless, it's about having OPTIONS
when has a monopoly treated the end user's pocket fairly?
already said it in the other thread, new cars/rising part costs are not only applicable to Vancouver/BC, so that's just a sad excuse
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09-25-2019, 08:16 PM
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#423 | | Fanboy
Join Date: May 2006 Location: Surrey
Posts: 3,596
Thanked 498 Times in 164 Posts
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I renewed my policy for a year. Full discount, no claims 15+ years, from 2017 to 2019 my rate went up $550
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09-25-2019, 08:18 PM
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#424 | | Even when im right, revscene.net is still right!
Join Date: Feb 2005 Location: VEGAS
Posts: 1,387
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Wtf ouch!
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09-25-2019, 08:31 PM
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#425 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,056
Thanked 4,558 Times in 1,524 Posts
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Originally Posted by twitchyzero can you add more than 1 secondary driver? does it become 50 25 25?
what if you have 4 teenage kids/grown-ass manlets? | Yes my girlfriend's dad added: Wife, Daughter 1 (my gf), Daughter 2
Rates went up really fucking high.
They take 75% of Primary Driver's DF + 25% of Highest DF of Secondary Driver. In this case it was 75% of Dad's DF + 25% of Daughter 2's DF (which is 1.xxx).
All new drivers or learners start at 1.173, as referenced in my previous posts with the full report on how everything is calculated.
Found my previous post, linked below. Quote:
Originally Posted by BIC_BAWS https://www.bcuc.com/Documents/Proce...RateDesign.pdf
I calculated a person who just got their N to have a DF of 1.173 or 17.3% surcharge. Since I am at 0.886 or 11.4% discount and a new driver would have a 17.3% surcharge, that would make my effective discount at 28.7%, which is roughly where it was before, at -4/-5 (depending on calculation). |
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