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Will this be the end of my pursuit!!!???
To ALL skyline owners and of course, wanna-be owners:
I am 19, male (which made it worse), currently attend University of Waterloo. I know that a r32 gtr is probably not the recommended vehicle for students, and I am pretty sure it’s not the popular first choice for teens with rich mommy and daddy, BUT HOLY S**T, IS THERE NO ONE IN ONTARIO WHO IS WILLING TO INSURE MY (YET-TO-BUY) SKYLINE??????
Let’s see, I called Allstate, ING, Belair, PC Financial, Lant, and a few other agents and a bunch of brokers I could find. From agents to brokers to classic insurers, I systematically called everyone I can get my hands on and yup, you guessed it, nobody is willing to insure a skyline. So here is a short summary of my futile efforts:
1. No one will underwrite RHD imported vehicles, not ANYMORE
2. Except Certas Direct, who will underwrite skyline for a reasonable price (for me, $3500), under strictly “no mod” rule, which is total BS because it is a tuner’s car. And of course, they also demand a bunch of other stuff from you like driver’s abstract and a letter of experience, which clearly tells you that they don’t want to do your business.
3. Collector insurance wont work for me and most other people because most classic insurers wont treat a Japanese import as “classic”, and the only one that does, Lant, will not insure anyone without 10years G license experience. And of course, there is a bunch of other rules you have to satisfy like no daily commute, etc. Of course, you can try to have your parents insure your skyline as classic car. I don’t know if it will work because my parents aren’t legible as well.
4. The old insurance threads and stickies mentioned the possibility of leveraging your current business with your insurer in hope to have them making an exception for you, aka “threaten” your insurer with your current business. Well, many companies (cant find out how many) have filed their disinterest to underwrite RHD vehicles with FSCO. So ya, if you are insured that way, you are lucky, but that wont work anymore UNLESS YOU HAVE A FLEET OF VEHICLES FROM YOUR DADDY’S MULTI-BILLION DOLLAR BUSINESS THAT YOU CAN USE TO LEVERAGE AGAINST YOUR INSURER. Well, my mom and I have not been with Belair long enough to do any kind of magic, besides, Belair, owned by Intact, has filed to FSCO (I confirmed it from a broker). So no chance for me
5. Thinking about re-VIN? Heard of re-VIN? Well, I had a good one hour chat on the phone with the consumer insurance specialist and the VIN specialist at IBC. For the sake of time, let’s just say that they tried to help, but they don’t know s**t about the current insurance market, and even one of them told me straight up that I made a stupid choice and RHD cars are vely vely vely dangerous. Now, do we not have freedom of choice as Canadians? Does my rights and freedoms impose any danger on the public? YES! According to some people who SIMPLY BELIEVE RHD ARE DANGEROUS BEAST. So what does that sound? Prejudice to me! Of course, I am in no power to collect enough data and facts to prove it otherwise, but I know if people just see it on the road often enough, it would just be something normal, something natural, something unique and beautiful. Oh crap, a bit off topic here, so ya, the VIN guy told me MTO is highly unlikely to re-vin a RHD car (which I believe to be true), and even if they do, the underwriting guys will soon realize they are insuring a RHD, and deny your policy/coverage
, awesome.
So what does that leave me, and anyone under 25? Well, we always have the facility in place for those high risk drivers right? They gave me a hefty quote of $8000 a year! Even if I want to drive 6 month outta a year, THE PREMIUM IS JUST TOOO MUCH. Oh just FYI, I don’t have any claims in the past 6 years but I do have two minor convictions. Trust me, my driving record wont add much to the quote because the FA rule book puts me in Class 11, and unless you are in Class 1 (male 25+), you wont get an affordable quote, period.
All right, the stickies in Legal section is getting old and long, and any subsequent discussions have not been very inclusive, so let me summarize my results for anyone who is hunting for insurance on their skyline:
YOU WILL BE PAYING A RIDICULOUS AMOUNT IN ONTARIO IF YOU ARE NOT 25+, in other words, don’t bother unless you are filthy rich (now, go sell more drugs or cry to your mommy). Of course, you can get a stockish gtr, insure it with Certas, and be happy for the time you own it, which does not make a lot sense to me.
Now let me tell you this, you can always drive an UNINSURED vehicle in Ontario if you are desperate enough, just like what my best friend has done for the past 2 years (not anymore). We were pulled over, let me count, at least 3 times by the cops, it’s not tricky to get away with just a “didn’t carry your pink slip” ticket, and we did. HOWEVER, WE ARE RESPONSIBLE PEOPLE, AND WE SHOULDN’T BE FORCED TO GO THAT ROUTE FOR SOMETHING WE LIKE, but unable to find affordable insurance for.
I am frustrated but I am not here to complain (ok somewhat). I want to ask anyone who is CURRENTLY insured on a skyline, with similar profile as me preferably, HOW DID YOU GET YOUR INSURANCE. So ya, I am calling anyone who has mastered the dark secret of insurance to share with everyone.
Like everyone else, I have a dream car that I want to get before I graduate from school and work in some investment banking company 70 hours a week. But apparently it seems….. it’s time to look for another JDM tuner car to replace skyline….. Insurance is such a dream killer.
To moderators: please don’t move this thread somewhere else, I need as exposure/help I can get on this. If I disturbed the peace and quietness in the skyline community, please just slap me.
To people who think I am insane and should not even be thinking about a skyline at my age: with all due respect, SCREW YOU. I made my mind and I will not give up unless I have exhausted every single option I can get my hands on. I am not been arrogant (ok somewhat), but it’s more determination and passion than arrogance and forceful thoughts. That’s just me, if you know me in real life.
Peace out, I am totally done for the day.
I am 19, male (which made it worse), currently attend University of Waterloo. I know that a r32 gtr is probably not the recommended vehicle for students, and I am pretty sure it’s not the popular first choice for teens with rich mommy and daddy, BUT HOLY S**T, IS THERE NO ONE IN ONTARIO WHO IS WILLING TO INSURE MY (YET-TO-BUY) SKYLINE??????
Let’s see, I called Allstate, ING, Belair, PC Financial, Lant, and a few other agents and a bunch of brokers I could find. From agents to brokers to classic insurers, I systematically called everyone I can get my hands on and yup, you guessed it, nobody is willing to insure a skyline. So here is a short summary of my futile efforts:
1. No one will underwrite RHD imported vehicles, not ANYMORE
2. Except Certas Direct, who will underwrite skyline for a reasonable price (for me, $3500), under strictly “no mod” rule, which is total BS because it is a tuner’s car. And of course, they also demand a bunch of other stuff from you like driver’s abstract and a letter of experience, which clearly tells you that they don’t want to do your business.
3. Collector insurance wont work for me and most other people because most classic insurers wont treat a Japanese import as “classic”, and the only one that does, Lant, will not insure anyone without 10years G license experience. And of course, there is a bunch of other rules you have to satisfy like no daily commute, etc. Of course, you can try to have your parents insure your skyline as classic car. I don’t know if it will work because my parents aren’t legible as well.
4. The old insurance threads and stickies mentioned the possibility of leveraging your current business with your insurer in hope to have them making an exception for you, aka “threaten” your insurer with your current business. Well, many companies (cant find out how many) have filed their disinterest to underwrite RHD vehicles with FSCO. So ya, if you are insured that way, you are lucky, but that wont work anymore UNLESS YOU HAVE A FLEET OF VEHICLES FROM YOUR DADDY’S MULTI-BILLION DOLLAR BUSINESS THAT YOU CAN USE TO LEVERAGE AGAINST YOUR INSURER. Well, my mom and I have not been with Belair long enough to do any kind of magic, besides, Belair, owned by Intact, has filed to FSCO (I confirmed it from a broker). So no chance for me
5. Thinking about re-VIN? Heard of re-VIN? Well, I had a good one hour chat on the phone with the consumer insurance specialist and the VIN specialist at IBC. For the sake of time, let’s just say that they tried to help, but they don’t know s**t about the current insurance market, and even one of them told me straight up that I made a stupid choice and RHD cars are vely vely vely dangerous. Now, do we not have freedom of choice as Canadians? Does my rights and freedoms impose any danger on the public? YES! According to some people who SIMPLY BELIEVE RHD ARE DANGEROUS BEAST. So what does that sound? Prejudice to me! Of course, I am in no power to collect enough data and facts to prove it otherwise, but I know if people just see it on the road often enough, it would just be something normal, something natural, something unique and beautiful. Oh crap, a bit off topic here, so ya, the VIN guy told me MTO is highly unlikely to re-vin a RHD car (which I believe to be true), and even if they do, the underwriting guys will soon realize they are insuring a RHD, and deny your policy/coverage
, awesome. So what does that leave me, and anyone under 25? Well, we always have the facility in place for those high risk drivers right? They gave me a hefty quote of $8000 a year! Even if I want to drive 6 month outta a year, THE PREMIUM IS JUST TOOO MUCH. Oh just FYI, I don’t have any claims in the past 6 years but I do have two minor convictions. Trust me, my driving record wont add much to the quote because the FA rule book puts me in Class 11, and unless you are in Class 1 (male 25+), you wont get an affordable quote, period.
All right, the stickies in Legal section is getting old and long, and any subsequent discussions have not been very inclusive, so let me summarize my results for anyone who is hunting for insurance on their skyline:
YOU WILL BE PAYING A RIDICULOUS AMOUNT IN ONTARIO IF YOU ARE NOT 25+, in other words, don’t bother unless you are filthy rich (now, go sell more drugs or cry to your mommy). Of course, you can get a stockish gtr, insure it with Certas, and be happy for the time you own it, which does not make a lot sense to me.
Now let me tell you this, you can always drive an UNINSURED vehicle in Ontario if you are desperate enough, just like what my best friend has done for the past 2 years (not anymore). We were pulled over, let me count, at least 3 times by the cops, it’s not tricky to get away with just a “didn’t carry your pink slip” ticket, and we did. HOWEVER, WE ARE RESPONSIBLE PEOPLE, AND WE SHOULDN’T BE FORCED TO GO THAT ROUTE FOR SOMETHING WE LIKE, but unable to find affordable insurance for.
I am frustrated but I am not here to complain (ok somewhat). I want to ask anyone who is CURRENTLY insured on a skyline, with similar profile as me preferably, HOW DID YOU GET YOUR INSURANCE. So ya, I am calling anyone who has mastered the dark secret of insurance to share with everyone.
Like everyone else, I have a dream car that I want to get before I graduate from school and work in some investment banking company 70 hours a week. But apparently it seems….. it’s time to look for another JDM tuner car to replace skyline….. Insurance is such a dream killer.
To moderators: please don’t move this thread somewhere else, I need as exposure/help I can get on this. If I disturbed the peace and quietness in the skyline community, please just slap me.
To people who think I am insane and should not even be thinking about a skyline at my age: with all due respect, SCREW YOU. I made my mind and I will not give up unless I have exhausted every single option I can get my hands on. I am not been arrogant (ok somewhat), but it’s more determination and passion than arrogance and forceful thoughts. That’s just me, if you know me in real life.
Peace out, I am totally done for the day.
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