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02-12-2020, 01:39 PM
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#626 | | Need to Seek Professional Help
Join Date: Mar 2011 Location: NYC
Posts: 1,015
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| Quote:
Originally Posted by welfare  Even with southern Ontario's rampant level of insurance fraud, they still pay less than here. | Definitely true for some!
Here's what I've noticed living in Ontario:
Yes - experienced and accident free drivers will pay ~1200 instead of ~1800
No - inexperienced drivers will pay about double (3400 for my first N year in Richmond, 6400 in Markham)
No - ICBC will slap on a surcharge if you have a couple tickets, Ontario insurers will drop you and then you'll have to pay double/triple with Facility
No - ICBC won't drop you and send you to facility after an accident or two
No - Lexus/Toyota SUV drivers are being asked for $5000 deductibles because of the high theft rates
No - you'll likely lose your no accident discount after a not at fault accident.
__________________
2002 AP1 S2000 "Mustard"
Past:
- '09 Ducati Monster 696 "Ketchup"
- '20 Dodge Charger R/T 5.7
- '20 Ford Mustang GT Convertible
- '04 Acura TL 6MT
- 🛴 Lime Scooter 🛴
- '19 Toyota Camry LE
- '16 Golf 1.8T
- '09 MB E63 AMG
- '06 Honda Accord V6 | 
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02-12-2020, 01:39 PM
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#627 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 15,837
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| Quote:
Originally Posted by Speed2K This is incorrect, according to ICBC, the 12 days a year or less does not apply to household members. https://www.icbc.com/insurance/produ...rotection.aspx
"It's important to list household members, employees or others who will drive your car, as they are excluded from Unlisted Driver Protection. That means if they aren't listed on your policy and cause a crash in your car, the financial consequence could apply." | So it also excludes situations like a medical emergency. But what about when you go out drinking with your buddies and you get your sober friend to drive you home. Do you have to list every possible designated driver you could use?
Seems to me this policy is encouraging more impaired driving.
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02-12-2020, 03:40 PM
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#628 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
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| Quote:
Originally Posted by CivicBlues So it also excludes situations like a medical emergency. But what about when you go out drinking with your buddies and you get your sober friend to drive you home. Do you have to list every possible designated driver you could use?
Seems to me this policy is encouraging more impaired driving. | How I interpret is if your drinking buddy drives you home and he’s not a member of the household and he hasn’t driven up to 12 times within the last 12 months And you have the Unlisted Driver Protection on your policy (free, if there are no unlisted driver claims), then he can drive your car.
If you go drinking every weekend (assuming more than 12 days) and it’s the same buddy driving your car, then you need to list him on there.
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02-12-2020, 07:19 PM
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#629 | | I don't get it
Join Date: Aug 2015 Location: Main & Hastings
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• Your buddy/random guy is protected under the Unlisted Driver Protection if they drive up to 12×/year.
• Your household family member is not protected under the Unlisted Driver Protection if they drive up to 12×/year.
Is this because ICBC has zero ability to enforce the 12× per year count and people would just abuse it? e.g. teenage son driving with mom's insurance.
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02-13-2020, 11:55 AM
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#630 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,026
Thanked 9,802 Times in 3,898 Posts
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got a quote for hagerty usa ~1,100 USD/yr total for three vehicles maxed liability/medical/personal injury/underinsured....that amount might barely cover one beater on basic through icbc
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02-13-2020, 12:40 PM
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#631 | | Need to Seek Professional Help
Join Date: Mar 2011 Location: NYC
Posts: 1,015
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| Quote:
Originally Posted by twitchyzero got a quote for hagerty usa ~1,100 USD/yr total for three vehicles maxed liability/medical/personal injury/underinsured....that amount might barely cover one beater on basic through icbc | What's maxed liability via Hagerty?
Maxed 3rd Party Property Damage liability via GEICO in WA is 100k
__________________
2002 AP1 S2000 "Mustard"
Past:
- '09 Ducati Monster 696 "Ketchup"
- '20 Dodge Charger R/T 5.7
- '20 Ford Mustang GT Convertible
- '04 Acura TL 6MT
- 🛴 Lime Scooter 🛴
- '19 Toyota Camry LE
- '16 Golf 1.8T
- '09 MB E63 AMG
- '06 Honda Accord V6 | |
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02-13-2020, 01:05 PM
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#632 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,026
Thanked 9,802 Times in 3,898 Posts
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500k bi/500k pd
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02-13-2020, 01:49 PM
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#633 | | Need to Seek Professional Help
Join Date: Mar 2011 Location: NYC
Posts: 1,015
Thanked 1,177 Times in 354 Posts
| Quote:
Originally Posted by twitchyzero 500k bi/500k pd | Just a little confused here... is Hagerty USA insuring your vehicles in BC?
__________________
2002 AP1 S2000 "Mustard"
Past:
- '09 Ducati Monster 696 "Ketchup"
- '20 Dodge Charger R/T 5.7
- '20 Ford Mustang GT Convertible
- '04 Acura TL 6MT
- 🛴 Lime Scooter 🛴
- '19 Toyota Camry LE
- '16 Golf 1.8T
- '09 MB E63 AMG
- '06 Honda Accord V6 | |
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02-14-2020, 12:07 AM
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#634 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,419
Thanked 14,753 Times in 3,868 Posts
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Question in case anyone knows. If you want to park a car for a while, can you transfer your insurance to storage insurance and keep the plate? Or do you have to hand them in
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02-14-2020, 12:42 AM
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#635 | | I contribute to threads in the offtopic forum
Join Date: Sep 2004 Location: Canada
Posts: 2,746
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| Quote:
Originally Posted by 320icar Question in case anyone knows. If you want to park a car for a while, can you transfer your insurance to storage insurance and keep the plate? Or do you have to hand them in | Plate is surrendered unless you let the insurance expire, then buy storage insurance.
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02-14-2020, 05:30 AM
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#636 | | My homepage has been set to RS
Join Date: Jul 2004 Location: burnaby
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You only have to hand in the one with the stickers, you can keep the other if you want, but they cannot be used again
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02-14-2020, 05:54 AM
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#637 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
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Originally Posted by 77civic1200 You only have to hand in the one with the stickers, you can keep the other if you want, but they cannot be used again | I think it only works when you have a special plate. Some special plates let you keep one as souvenir. Normally there is an $18 charge when you don’t surrender all the plates
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02-14-2020, 07:58 AM
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#638 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
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^
There's no charge, but you have to fill out a lost/stolen plate declaration form.
The $18 charge is for new plates.
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02-14-2020, 09:43 AM
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#639 | | I contribute to threads in the offtopic forum
Join Date: Oct 2011 Location: Richmond
Posts: 2,514
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Originally Posted by Edison_Chen I think it only works when you have a special plate. Some special plates let you keep one as souvenir. Normally there is an $18 charge when you don’t surrender all the plates | "I lost one"
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02-14-2020, 01:29 PM
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#640 | | My dinner reheated before my turbo spooled
Join Date: Mar 2005 Location: Vancouver
Posts: 1,750
Thanked 4,707 Times in 1,051 Posts
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can't keep em when you switch to storage which is insane. You can get them for 6 months, then let them expire, then buy storage then reinsure with them.
so dumb - i gave up my park plates this fall. I was juggling them around, trying to keep them active by moving them to winter beaters, or the wife mobile. Bottom line is it was costing hundreds of extra dollars a year to keep them. agent couldn't understand why I was turning them in after I bought them, but I've had enough.
as usual, ICBC completely ignoring the car enthusiast/collector segment of the market. the new system would absolutely allow for a mechanism to keep the plates but they won't do it.
__________________ Quote:
Originally Posted by westopher replace that wood for who gets producer the wood. | | |
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02-14-2020, 01:39 PM
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#641 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,419
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Yeah that’s a real shame. My wife and I have parks plates that are super easy to remember (pw550e and PK055E). Was thinking about getting a daily and go harder on the RS but If have to juggle the parks plate. No way I’m giving that up
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02-14-2020, 01:50 PM
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#642 | | My dinner reheated before my turbo spooled
Join Date: Mar 2005 Location: Vancouver
Posts: 1,750
Thanked 4,707 Times in 1,051 Posts
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i mean - you can move em. i did that the past 2 years. move the plate to a new beater, then put storage on the RS. in the spring, sell the beater and move em back. there's a fee of course. my first park plate has been on 4 different cars, and was back on it's original when I gave it up. it was just too much work though.
broken record mode: charge me a reasonable amount to insure multiple cars (umbrella), and I'll just leave them that way year around. I'd never have to putz with a plate, or swap to storage, or buy a day ticket to get work done in the off season.
I've looked at fleet, but drivers discount doesn't apply the same way, and you can never dip below the fleet minimum (5) without abandoning the policy.
__________________ Quote:
Originally Posted by westopher replace that wood for who gets producer the wood. | | |
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02-14-2020, 08:04 PM
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#643 | | I don't get it
Join Date: Jun 2015
Posts: 403
Thanked 451 Times in 137 Posts
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It seems like they could easily offer a sub 5,000km plan for a cheap price, especially if you have a second full time car. I know they give you 10% off, but who gives a shit about 10% when you're thinking about a 2nd fun car you drive sometimes on a sunny day.
It's stupid that we have to pay again and again for the same coverage. I can only drive one at a time!
Also, Producer one day you'll happen upon a 996 plate, and then you'll really be in trouble when it comes time to cancel.
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02-20-2020, 07:27 PM
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#644 | | I Will not Admit my Addiction to RS
Join Date: May 2014 Location: Home*
Posts: 513
Thanked 387 Times in 128 Posts
| Quote:
Originally Posted by twitchyzero +1 who's underwriting sussex that's only running 1/2 of what icbc is charging? | Stratford Underwriting Agency Inc.
Pretty good reviews, though only a few.Similar to mine. Saved about 50% off icbc optional insurance.
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03-02-2020, 12:34 PM
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#645 | | 14 dolla balla aint got nothing on me!
Join Date: Mar 2016 Location: West Van
Posts: 637
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tangentially related to the thread, I didn't thin this was different enough to warrant it's own thread.
Goddamn NDP keeps doing things that make sense. I may actually vote for them in the future if they carry on this way. My died-in the-wool capitalist family will disown me. https://www.cbc.ca/news/canada/briti...fits-1.5482579 | |
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03-02-2020, 02:11 PM
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#646 | | Hypa owned my ass at least once
Join Date: Aug 2007 Location: Paradise, BC
Posts: 6,567
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| Quote:
Originally Posted by snowfarmer tangentially related to the thread, I didn't thin this was different enough to warrant it's own thread.
Goddamn NDP keeps doing things that make sense. I may actually vote for them in the future if they carry on this way. My died-in the-wool capitalist family will disown me. https://www.cbc.ca/news/canada/briti...fits-1.5482579 | I agree this seems like the right direction to move towards. At the same time, it also doesn't make sense that a future government wouldn't be able to change the legislation and dip their hands back into the ICBC's pockets one way or another.
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03-03-2020, 12:06 AM
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#647 | | RS.net, where our google ads make absolutely no sense!
Join Date: Nov 2001 Location: Tokyo/Vancouver
Posts: 974
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Originally Posted by Traum I agree this seems like the right direction to move towards. At the same time, it also doesn't make sense that a future government wouldn't be able to change the legislation and dip their hands back into the ICBC's pockets one way or another. | don't need legislation for that. just add a fee to basic ala msp
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03-03-2020, 06:12 PM
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#648 | | 14 dolla balla aint got nothing on me!
Join Date: Mar 2016 Location: West Van
Posts: 637
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Apologies for possibly being obtuse but I’m not sure what you mean by add a fee to basic a la MSP? Quote:
Originally Posted by ncrx don't need legislation for that. just add a fee to basic ala msp | | |
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03-03-2020, 06:28 PM
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#649 | | I don't get it
Join Date: May 2009 Location: Nanaimo
Posts: 422
Thanked 16 Times in 11 Posts
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Just went and renewed for the first time since the changes in the fall. i have 10+ years of safe driving and no accidents, class 5 license, drive a 2005 acura tsx with 2 mill liability / collision / comprehensive / roadside and 300 deductible. My rate went up from $131 per month to $138, so a very minimal increase. That is going through icbc for my optional. I shopped around through a couple different private insurers for my optional and icbc was actually cheapest by about $300 per year.
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2005 Acura TSX 6sp - Daily
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03-03-2020, 10:12 PM
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#650 | | Hypa owned my ass at least once
Join Date: Aug 2007 Location: Paradise, BC
Posts: 6,567
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Originally Posted by snowfarmer Apologies for possibly being obtuse but I’m not sure what you mean by add a fee to basic a la MSP? | I think NCRX means the provincial gov can just make up or add to some sort of fee, or impose the money siphoning from another source if they need money again. (Waiving MSP payments only meant the burden of funding went from residents to employers.) He is not wrong in that regard, as that has always been an option available to the provincial gov with or without raiding the ICBC coffers.
The difference, I would say, is raiding the ICBC coffers may not be as noticeable, or more easily forgotten, than say, implementing a new fee. It might only be a small difference in terms of optics, and I have no doubt that at the end of the day, if any level of gov needs more money to cover their expensive spending habits, they will just come rape us or our wallets. But I don't want to look at the issue with such a grime and pessimistic (but probably more realistic) view.
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