Info on Car insurance rates in Ontario or other provinces

[messenger]

Never in my life I had heard that people can drive their cars conditionally. In Europe having an insurance does not restrict you of where and how much you drive.
I understand that having these restrictions is sometimes a good choice so people may learn to use the public transportation and maybe bikes and walking but I thinks this is too extreme.
To have a car and count ting the days when you may or may not drive it. What if I want ot go to work with my car, what if i want or take a long drive on the weekend.
Sorry people if I seem a little ignorant here but I've been away from North America too long
Can you possibly explain or correct me here?

Thank you all

 

[Steph C]

Never in my life I had heard that people can drive their cars conditionally. In Europe having an insurance does not restrict you of where and how much you drive.
I understand that having these restrictions is sometimes a good choice so people may learn to use the public transportation and maybe bikes and walking but I thinks this is too extreme.
To have a car and count ting the days when you may or may not drive it. What if I want ot go to work with my car, what if i want or take a long drive on the weekend.
Sorry people if I seem a little ignorant here but I've been away from North America too long
Can you possibly explain or correct me here?

Thank you all

Nobody counts.. it's on your good honour I suppose. On the few times I have been stopped by a policeman at a road block I have never been asked about my insurance type. I suppose it would become a problem if an accident happened and it was proven somehow that you were on your way to work and also proven you had used your car more than a certain amount of times, etc. I ride my bike most of the year and used to work overseas, so only used it on vacations etc. Now that it's winter I use it a bit more then I should to get to work because of the rain. I talked to them about changing the insurance price to reflect this and it actually didn't raise my premium a significant amount.

 

[Steph C]

But: don't mess with ICBC. They can be wicked. Once, a neighbour backed into my car while it was parked. ICBC offered a small amount which I turned down - I was able to get it fixed within their budget. BUT I got a phone call from them asking if I noticed that red car parked in their driveway frequently, and for how many months.. they were trying to get info on my neighbour. Luckily I didn't have any info and never noticed if that car was around or not

 

[Canooknic]

Never in my life I had heard that people can drive their cars conditionally. In Europe having an insurance does not restrict you of where and how much you drive.
I understand that having these restrictions is sometimes a good choice so people may learn to use the public transportation and maybe bikes and walking but I thinks this is too extreme.
To have a car and count ting the days when you may or may not drive it. What if I want ot go to work with my car, what if i want or take a long drive on the weekend.
Sorry people if I seem a little ignorant here but I've been away from North America too long
Can you possibly explain or correct me here?

Thank you all

I think it would be comparable with mileage discounts in the UK, someone that is only driving 8000 miles per year would be charged less than someone driving 25000. I'm not sure if you get that sort of policy in Greece or not.
I know Aviva did a 'Pay As You Drive' policy. They fitted a little black data box to your car and charged you based on distance travelled etc. I'm not sure if it ever became popular or not because I moved here!!

 

[messenger]

But: don't mess with ICBC. They can be wicked. Once, a neighbour backed into my car while it was parked. ICBC offered a small amount which I turned down - I was able to get it fixed within their budget. BUT I got a phone call from them asking if I noticed that red car parked in their driveway frequently, and for how many months.. they were trying to get info on my neighbour. Luckily I didn't have any info and never noticed if that car was around or not

Snitching on people eh? hahaha.

 

[messenger]

I think it would be comparable with mileage discounts in the UK, someone that is only driving 8000 miles per year would be charged less than someone driving 25000. I'm not sure if you get that sort of policy in Greece or not.
I know Aviva did a 'Pay As You Drive' policy. They fitted a little black data box to your car and charged you based on distance travelled etc. I'm not sure if it ever became popular or not because I moved here!!

I don't want a ruffian box riding with me and informing my moves hahaha.
Yes I can understand this issue with the discount with mileage as we also have the same thing too although not adhered to strictly.
Thank you and Merry Christmas

 

[Steph C]

I don't want a ruffian box riding with me and informing my moves hahaha.
Yes I can understand this issue with the discount with mileage as we also have the same thing too although not adhered to strictly.
Thank you and Merry Christmas

Good luck Messenger! Don't worry, nobody checks anybody's mileage here :

 

[NatLey]

Hello,

I have a 2011 subaru impreza, which i am leasing. I was paying 87$/month. Now, I just recently moved to Toronto, and I almost drop dead!!! I was seriously speechless on the line... I got a quote of 300$/month!!!!! I seriously ask if I was buying a golden/bullet proof shield protection to cover my car!!!! They basically told that that Toronto GTA has the highest rate of car insurance in North America!!!

I am still looking around and shopping. I know I am in denial and will have to switch at some point but seriously....

 

[NatLey]

Forgot to mention the 87$/month was in Montreal, and even that was expensive to my taste.
I own a vw rabbit before and I was 750$ for the year!

 

[lawgrrl]

Hi


Maybe in Ontario, but in BC ICBC recognizes claim free driving from other countries. You have to submit a letter in the prescribed format from your overseas insurance company and you can get a 43% discount from the basic insurance for 9 years free of no fault claims . http://www.icbc.com/autoplan-insurance/understand-costs/crs.pdf

The link to the "insurance discounts" page on the ICBC site is http://icbc.com/autoplan/moving/moving-to/newres-discount
And we plan on moving to B.C. in part for the weather. My Canadian husband lived in Ontario for many years and has no desire to return to the snow! Good luck on your move.

 

[gsize]

they play so many games. I moved 6 months ago from an Asian area to a Jewish area (maybe 4 km away....automatically, my rate droped from $1800.00 to $1400.00 year) In this case, I wont complain !

 

[messenger]

The link to the "insurance discounts" page on the ICBC site is http://icbc.com/autoplan/moving/moving-to/newres-discount
And we plan on moving to B.C. in part for the weather. My Canadian husband lived in Ontario for many years and has no desire to return to the snow! Good luck on your move.

Hi again

I am posting the reply I got from ICBC regarding Insurance record recognized from Europe in BC

Dear Mr. xxxxxxx,

Thank you for your e-mail and sorry for the late reply.

In order to apply for a Claim-Rated Scale discount with ICBC, you will need to provide us with a claims history letter (or letters) from your previous insurer(s), on their letterhead(s). The letter(s) cannot be from the agent(s) or broker(s) that sold you coverage.

The claims history letter(s) will have to include the following information:
the name(s) of the registered vehicle owner(s) and all drivers listed on the insurance policy (or policies)
the policy number(s)
the period(s) of time, with specific effective and expiry dates (including the month, day, and year), during which there was coverage
the dates of any at-fault claims
If any of these letters are printed in a language other than English, they must be translated by a certified translator and submitted along with the certified translation. Most often translations are prepared by a member of the Society of Translators and Interpreters of BC (STIBC), but translations prepared by other certified translators are acceptable.

For each year of claim-free driving outside of BC, you will qualify for a 5% discount, up to a maximum of 40% for at least eight years of claim-free driving.

Our website has more information about how to apply for a discount at http://www.icbc.com/autoplan/moving/moving-to/newres-discount

I hope this helps and thank you again for taking the time to contact us.

. . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Michèle

 

[user828]

Lived in ON, insurance was a nightmare even with 3rd party liability but was cheap when I moved to BC. Make sure to get all your past insurance/driving history to get discounts

 

[messenger]

Lived in ON, insurance was a nightmare even with 3rd party liability but was cheap when I moved to BC. Make sure to get all your past insurance/driving history to get discounts

My insurance company here in Greece will give me the Bonus Malus for every year that I was insured (I have no claims whatsoever)
That means that I will get the highest discount CIBC can give.....I hope