Auto Insurance Thread

[KeepCalmCarryOn]

Originally Posted by Ducay

See, thats what gets me. The lady I spoke to at TD said any non-recoverable claim (ie another insurance company or party doesn't repay them) will cause insurance to go up, unless "you can make the hail give us money" (her words not mine )

Since you've said already have a claim on your policy, the only thing you'd lose (which you already lost) with TD Meloche Monnex is the 5 year no-claim discount.

I was pissed, as I too claimed in the great hailstorm of 2010 and was told it was a comprehensive claim, so no effect on my rates... However I lost my no claim discount!

[RT14]

Thanks to this thread I changed to TD Insurance and am now saving $64/month over Intact. Thanks CP!

[FlamesKickAss]

Originally Posted by KeepCalmCarryOn

Since you've said already have a claim on your policy, the only thing you'd lose (which you already lost) with TD Meloche Monnex is the 5 year no-claim discount.

I was pissed, as I too claimed in the great hailstorm of 2010 and was told it was a comprehensive claim, so no effect on my rates... However I lost my no claim discount!

yeah but really that is probably 10% off max per year, and how much was the claim for?? More than $500? Really the 10% probably saves you a max of the $500 for those five years based on $1000 premium for home insurance

[Jets4Life]

Damn hail.

I did not even notice the penny sized dents on my roof, however, I sure as hell noticed my damaged windshield.

[Leon]

Originally Posted by Winsor_Pilates

Boy, do I ever miss Alberta's auto insurance.
Need to renew mine today with ICBC, no choice but to take it in the ***.

Seriously? I was paying 3200$ a year in Calgary in 2007. Moved to Victoria that year and got quoted at 1700$/year with ICBC.

[VO #23]

Originally Posted by noel

Seriously? I was paying 3200$ a year in Calgary in 2007. Moved to Victoria that year and got quoted at 1700$/year with ICBC.

ICBC is THE WORST. I was paying $2600/year with them as recently as last year, am now paying $1200/year with SGI (Sask). I'm 30 years old and have never had a claim or any type of ticket in my life.

[opendoor]

Originally Posted by noel

Seriously? I was paying 3200$ a year in Calgary in 2007. Moved to Victoria that year and got quoted at 1700$/year with ICBC.

Yep, I just did an online quote with President's Choice just to see the comparison. I pay $1125 a year in BC; for identical coverage ($2 million liability, $500 deductibles, etc.) it was $2400 a year from PCF.

[GoinAllTheWay]

Originally Posted by noel

Seriously? I was paying 3200$ a year in Calgary in 2007. Moved to Victoria that year and got quoted at 1700$/year with ICBC.

That's because you moved from a large city to a much smaller one. Everyone needs to keep in mind your rates are based on the city that you live in.

If you moved from Calgary to one of the smaller satellite cities like Okotoks, Chestermere, Strathmore etc...you will pay a lower rate there too.

[darklord700]

Originally Posted by GoinAllTheWay

If you moved from Calgary to one of the smaller satellite cities like Okotoks, Chestermere, Strathmore etc...you will pay a lower rate there too.

Considering how many jerks and rednecks I see on the road here, this is hardly surprising.

[Jets4Life]

Is there a deadline as to when you can claim damage from the hail to your insurance company? I've been working out of town, and had not had time to file a claim for the hail damage to my car.

[KeepCalmCarryOn]

Originally Posted by Jets4Life

Is there a deadline as to when you can claim damage from the hail to your insurance company? I've been working out of town, and had not had time to file a claim for the hail damage to my car.

AFAIK - 1 year.

[Jets4Life]

Originally Posted by KeepCalmCarryOn

AFAIK - 1 year.

*phew*