Hi,
Im relatively new to the forum, I want to know which insurance company would give good rate to my RHD RX-7 FD? Contact info would be really helpful, thanks a lot!

 

best to deal with a broker. They will do the shopping for you. Not all companies will insure all cars for a variety of reasons. A broker will eliminate wasting time with companies that are very selective on what and who they insure. Insurance in Ont. is a la carte now. Which means you can select to have certain coverages waived to cut the cost down. Its ok as long as you don't get into an accident with the bare bones coverage.
Good Luck with your quest

Ace IIB

 

I have been looking around and I am likely to go with the TD insurance offered through Mac Alumni program (my wife is an Alumni).

It's a long story, but it'll save me a pile of cash.
My present insurance is trying to rip me off, so I'm kicking them out.
They are about 200 $ cheaper on each car plus there is some other stuff I'll be saving that I won't talk about as it is an "off topic" long story.

I wil however probably insure my 7 with Silver wheels. This may not be feasible for some of you, but I don't drive my car a lot and I do have another car to drive around for most of what I do, so it a good option.

I hope this helps.

 

Thanks for the comments!, I would appreciate more input, thanks!

 

companies that would insure rhd

desjardins
td canada trust
state farm
vavanesa
rbc .. you need an appraisal
silver wheel plan.. some conditions such as another daily car and must have experience of 10 years

these companies insure rhd for sure but sometimes they dont... jus depends how u talk to them and if they are in the mood
my friend insured his silvia from td and they refused me!!!

 

Anees who did you end up getting insurance with?

The buyer of my car seems to be having an issue with getting insurance on it. They either want it appraised or inspected. Not sure why he has to go through these hoops since the car has been registered for almost 2yrs.

I've already told him to go to a broker. I mentioned Wawanesa, silver wheels, and he has spoke to RBC.

Any other suggestions?

 

Ya, my FD is with Silver Wheels as well.

Follow-up Q: Those of you with Silver Wheels in ON, or elsewhere, just wondering if you guys get hit with an administrative renewal fee each year, on top of the actual policy pricing?
Silver Wheels is offered exclusively by a broker in QC, so no possibility to go elsewhere, and the first year I renewed, I noticed a extra fee they hadn't disclosed when I first signed up.
The next year, I thought I'd just cancel the insurance during winter, and re-buy it come spring, but they told me if I canceled it, they would refuse they insure me again next year. I'd challenge them but, well, this insurance is really cheap and gives the benefit of covering the car for it's actual appraised value. I just find it deceptive that they wouldn't be up front about the management fee and such...

 

hey man
i ended up going through desjardins
keep in mind
the car is not under my name.. however i am the primary driver
after begging them day n nights for a week
and getting an appraisal done from som old lady who charged me 200
but did thejob
so yeah
and 1 more thing .. i insured my winter beater with them and told the that the fd is a second car and the use of my fd wouldnt be that much
bottom line
jus call them and keep bugging them

 

keep in mind guys
that silver is not good for ever1 or the criteria and conditions of silver wheel doesnt match with every driver
for example
they wouldnt insure you if u donot have a driving record for atleast 10yrs
and many more

 

Wawanesa will not insure RHD vehicles. They have a filed declination rule for this. (I am an ontario insurance broker with a contract to write with Wawanesa)

-Geoff

 

The reason the buyer of your car is having trouble is because the companies don't want to write him/her.

An insurance company can't say "no" to anyone (on auto) without that person hitting specific decline rules filed with the government. However they can request an inspection of a vehicle at their leisure, the reason for this is to determine if a vehicle is modified, modified vehicles hit filed declination rules with many (most) insurance companies in Ontario.

Everyone this person is speaking to doesn't want to write the insurance, they're trying to find a way out of it.

-Geoff

 

why dont u get an appraisal that helps
coz most of the time companies think that a rhd vehicle is moded

 

All insurance companies will want an appraisal if you want collision. I just went though this recently and many of the so-called specialty insurance companies would not touch my FD for reasons like:
the car is not 20 years old.
we wrote off a few of these last year and were not taking on any more.
also, most wanted a clean five year driving history and over 21 years of age. (neither applied to me)

I went with a local appraiser which will save you money, as most will do it at your home.
The less appraiser has to drive equals cash in your pocket.
For a local appraisal:
http://www.lant-ins.ca/links.php

 

im with intact insurance for both my cars, i have a cavalier as my dd and they put my 82 gsl on as a classic secondary car for $86 a year. i can only drive it 5000k a year but hell why not??

btw im only 24 and my broker helped me get the coverage at that price.

 

Some of what you said is accurate, some is not.

Not all insurance companies will want an inspection (an appraisal is something different and only applies if you are getting an OPCF 19 endorsement which ups the value of the vehicle over the blue book value). Some that will not require this:
Wawanesa
Royal & Sun Alliance
Gore Mutual

You CAN be rejected from specialty insurers if your vehicle is not old enough.

You absolutely CAN NOT be denied a quote because they "wrote off a few" of your type of vehicle. This is a BS statement designed to discourage you from getting a quote. If you complain to RIBO, (and can prove it) you can have a $24,000 fine leveled against the broker who did this.

As for a clean record and your age. This isn't *exactly* true but may apply based upon certain conditions in your driving record.

Do not confuse an appraisal with a vehicle inspection. One will cost you money the other is free (and only one can be forced upon you to get coverage on the vehicle)

-Geoff

 

When I was shopping for insurance, Belairdirect was the cheapest I could find and I was 19 at the time. Been with them since and I check every year if someone will offer me cheaper and nope.

thewird

 

At 19, generally a state farm/bel-air/td are some of the cheaper carriers because they get forced to take you. It is illegal to deny someone an insurance quote, and because bel-air is a direct writer, they only have their standard market and their facility carrier to offer. This means that young drivers calling in are getting regular market rates. (Which they "legally" qualify for, but no company wants to offer if they don't have to).

If you're with Bel-Air on your car now and you're over the age of 25, with no tickets in the past 3 years and no accidents in the past 6, you're overpaying. Bel-Air (a subsidiary of Intact) has some of the higher rates on the market at the moment.

-Geoff

 

I'm still 24 so maybe thats the reason I can't find cheaper insurance elsewhere. 25 this January. My insurance has dropped every year except this one due to the insurance changes.

thewird

 

Wawanesa will give you credit for being 25 even though you're 24. However, it may not be in your best interest to switch before your renewal date as Bel-Air charges a cancellation penalty.

-Geoff

 

Maybe I'll check with them anyway when I turn 25. I have 2 cars I need to insure hehe.

thewird