Insurance has been a pain in the *** to get, for that reason I have been searching around skyline forums when I came across some one talking about a Re-Vin on their vehicle. They said to call the insurance bureau of Canada and ask for a Re-Vin. After getting transferred around a few times i spoke with a lady named Sheila. I asked her about Re-Vinning my RHD vehicle and said she wouldn't do it. Didn't answer why not and won't even return my calls. Has anyone Re-Vinned their vehicle and if so where and who did you speak with?

I'm currently with Hargerty Insurance, and for a few reasons need to get one with less restrictions. So far I know RBC and All state won't insure RHD so I will continue making a list of companies that turn me down lol. If i had a Re-Vin done legally I wouldn't have any problem getting insurance, if anyone has some information I would like to hear it. Thanks,

Andrew

 

I don't know if this applies but here's some info that might help

ICBC | assigned-VIN.pdf

 

Only way I can currently think of is to claim that your car it a "kit car" IE, built off a corvette, viper for FD's, or 240sx for r32's. There is a bit of a grey area here and it really isn't talked about too much here as it does create issues when reselling. The best and smartest way is just get to get the car registered in a different state

 

Re-vinning the car does not move the steering wheel from one side to the other. Insurance companies have filed rules that say...

Risks we do not write:

1) blah blah blah
2) blah blah blah
...
...
...
35) Any vehicle which is right-hand drive

-Geoff

 

I doubt getting a new VIN for your car will help you. One of my cars has a 17 digit VIN but does not appear in IBC's database because it was originally sold in Europe. Every year I go through the same bullshit when I want to bring it out of winter storage.

"Sir, your car doesn't exist."

"Yes, it does. It's on the IBC exception list..."

"Oh, can you take a picture of the VIN plate?"

"No, Its a German car it doesn't have one..."

"Oh, Okay. Here's your liability coverage"

Funny thing is, because there is no data on the car it gets insured based on value alone so its significantly cheaper than any other vehicle I have owned.

Point is, my VIN never existed as far as the insurance company is concerned but the car is cheap as hell to insure. You can get a new VIN but, as stated earlier, it will still be RHD and still be considered high risk.

You have a right to insurance in Ontario. However, nowhere is it written it has to be affordable.

 

There is no re-VINing, I'm guessing you heard of assigned VINs, done amongst other things for foreign-market vehicles whose VIN is not recognized by Canadian insurers, registries, and so on. Changing VINs is otherwise illegal, which is probably why no one will talk to you. Contact the DoT for your province, but if the reason you're having difficulty getting insurance is because the vehicle is RHD, that won't change your insurance issue.

 

If insurance is your quest, try calling a company called, "All-risk insurance" They will hook you up with a company called "Facility". I hear about people having trouble finding insurance but it literally only took me a day. I used to live in Alberta and insurance for RHD vehicles is very easy to get out there. Moving to Ontario it was a problem at first but I have my 1998 Mitsubishi Lancer Evolution V at full coverage for $230.00 a month. All they will request is you get an appraisal. It wont change your rate, they just need it for pay out purposes. I called before I had it appraised and it stayed the same as the quote after it was appraised and I was insured. Mind you I am 25, no tickets and full license. They are very lenient on rules for driving it as well.

 

The Facility Association is not an insurance company. Facility is insurance provided by the provincial government when you can't get insurance anywhere else. They are literally the insurer of last resort. They are "lenient" because they literally can't say no to anything. Facility has to accept everything. Your car could be actually be on fire and by law, they have to insure it.

If you're paying 2760 a year for your lancer, you either don't live in the Toronto area, or if you do, you're lying about it.

To put it in perspective, I'm past 30, no tickets, no accidents and live in Toronto. I just quoted myself through Facility on an FD, it's $7149 a year.

-Geoff

 

Geoff, his post count is "1". Facility costs make your eyes bleed.

Eric

 

Facility is hell, they are always the most expensive and I am almost positive that RHD's at Facility have extremely high premiums

 

Well I live in Windsor, Onatrio, have no tickets. Full License and that's what i pay. I never said I live in Toronto BTW....aha. I wont try to justify myself to you, I am with Facility, and yeah I know they are Government run, and I know what they are used for. As I said, I used to live in Calgary and insurance was not that hard to find for RHD there, in fact almost all insurance companies had a policy for it, I used to pay $80.00 for an R33 i had when living there.

I landed in Ontario and called All risk, and got insured almost immediately That is fact.

 

The FD has a history here. Since it was made in North America at one point. My Evo was never made here until like the 2000s, and the safety rating on that car is far higher then an RX7, not to mention any AWD car automatically gets a higher rating. My policy is being based off of a newer model of Lancer EVO, which could be why it is cheaper.

I do know my cousin is inured through them as well and has an older FC and doesn't pay much, he is only 23.

So must be Toronto that they like to do the raping.

 

Alberta insurance can't be compared to Ontario insurance. Every province has a different policy and regulations.

The reason I know all this is that I'm an insurance broker.

You could have called anyone to get your Facility policy. One of the requirements to sell insurance in Ontario is to have access to Facility. Everyone has it.

-Geoff

 

AWD cars do not "automatically" get a higher rating.

Your policy is "cheaper" because you're in Windsor.

Whether the car was sold originally in north america or not does not have any bearing on the insurance.

-Geoff

 

I don't care if you are a space pilot lol all I was stating is what I pay, who I am with, and how to get ahold of them...man this site is full of *** holes. I know my facts.

Facility, 230 a month. Evo V.

Im out.

 

if your vin plat was " damaged" then you could pay the $500 for the inspector to come out and re-vin your car...... they use to re vin the rhds before ontario got flooded with them, this was always my back up plan if i have any problems with my insurance company

 

You may be thinking of the 'Extraordinary VIN list'. (I might have the 'extraordinary' wrong - but it's something like that)

I brought an EVO IV in from Hong Kong about 3 years ago. Insurance company (one of the majors) had no problem (and still has no problem) providing liability coverage. $1500/year - (north of Toronto) - this is about 30% higher than my other cars - I assume because their tables show a higher risk level for RHD.

The problem was the MTO computer systems which did not recognize the "suspect VIN". At that time, their system would not automatically confirm that I had liability coverage - even though I DID have coverage and DID have a certificate showing that I did. I asked if they could override the computer 'block' (given that I clearly HAD coverage) and they wouldn't.

To solve it, the insurance company had to request that my VIN be put on the 'Extraordinary VIN list'. They agreed to do it - took about 2 weeks and then I could plate my EVO. No problem since. Once this has been done, there should be no further problem (i.e. if you sell the car, the next owner won't run into the same problem because the suspect VIN is on a list somewhere)

Last week I went into Service Ontario to register an imported RHD STi - not to plate it, it's still stored - so no insurance. Just wanted to pay my tax and get my fit ownership. Again, the computer system balked at "suspect VIN". This time the lady phoned in to MTO and MTO just overrode the computer and we carried on and completed the registration.

R

 

what you're talking about is so your car is in the mto's system, I spent a few weeks messing around with that crap one year when i tried to get my new sticker, its so the mto and cops can verify your insurance , i thought it was an acceptance list.
a replacement vin is a shiny new vin plate they come and rivet to your firewall after they verify the car is the car you're saying and you pay them $500 and its a regular vin . I've saw a few RHD FC's with them I read about getting one a while ago just to save hassle

 

Close...

VIN Exception list.

-Geoff

 

Touchy!

The point is that Facility is the worst option out there. The reason RHD Insurance threads are started is because everyone is trying to NOT get placed with Facility. If Facility was a good rate, these threads wouldn't exist. I don't expect you to know this, as you just moved from out of province. If you were able to get in with a regular market company, your $230 a month would be cut in half or less.

-Geoff