Ontario Insurance companies that insure RHDs...as of today

[Snake556]

Only issue with Lant for a lot of us, is that you have to have been driving for over 10 years and have a second (primary) vehicle. If you fit that, you're golden.

[bWiLKINS]

I'm interested in what you said about Lant not caring if it is modified. So this woman told you that they only consider it modified if the engine has been swapped from orginal? I have my Skyline on Silver Wheels as well as have been dreading my appraisal due next year because I put wider wheels and bolt on flares this year and I was thinking they would drop the coverage. If what you are saying is true I will be a very happy man!

[menace]

I'm with Personal too for my Subaru. They said no problem for the 1990 GTR @ $1010 a year, but they do not do appraised value and will not disclose how much money they will give you if the car is stolen, written off, etc. It will be no where near what a well modified GTR costs, I can assure you of that.

I just had my appraisal done and the guy that was at my house doing it up told me about Lant "Silver Wheels" coverage. I called them up and with the appraisal at $17K, they will insure me for $300 a year! Only catch is it can't be your primary DD car, but no restrictions on kilometres or anything like that.

The best part is they don't care about mods. The only thing they care about is that the engine is the same size as the one that the car originally came with so no Miata V8 swaps or what have you. Its really nice to find a company that appreciates the fact that we love our cars and take the best care of them. I was really dreading submitting this appraisal to Personal and now I don't have to. The top mount T4 just sticks out like a sore thumb in every picture, no matter what the angle of the engine bay you try to catch.

Highly recommend Lant. The lady I dealt with was straight up, did not give me any of the BS I had to put up with at Personal when I started talking about the car. With Personal I was happy when they said yes to RHD, but I immediately got the impression that I should shut up ASAP and let them ask the questions. Have to act like a tool and when they ask about details... you say the car is blue derp. It's ridiculous how every insurance company has treated me when I bring up this car. I have been a licensed driver for 16 years. Lant is the only one that appreciates that.

[MKIV]

I have been with thePersonal insurance company for over 3 years and they welcomed my RHD non-17 digit vin car.

Same ordeal...appraisal, Driver's abstract, application... 3 business days later you're good to go.

[Nexsys]

no true i was talking to them the other day ..cuz i put a radio in mine and its fine..all they care about is performance mods.

I tried to go with them and they refused me insurance claiming my body kit was a performance part..... not sure if i just hit the retard in the company but i was pissed.

[Spencer87]

Facility and 250 doesn't seem right lol

[Oakville]

I was told no Huge engine mods, giant turbos, nitrous ect ect. wheels and suspension is fine.

hope so! my good buddy had his policy in the process of being pulled because, and I quote, had a/m wheels, catback, and apexi air cones. he ended up selling the car so I dont know how it ended.

[Robski]

im with desjardin and like Jordie said..no power mods..but body and looks is fine..i painted my car and didnt even have to tell them by the girl did ask "your not having and tigers or anything painted on the hood and sides right ?" ahahah i lol'd for a solid 3 minutes.. i pay $95/month

Man you have it good.

[trickey1991]

no true i was talking to them the other day ..cuz i put a radio in mine and its fine..all they care about is performance mods.

I hear they wont even let you have an aftermarket cd deck...

[trickey1991]

im with desjardin and like Jordie said..no power mods..but body and looks is fine..i painted my car and didnt even have to tell them by the girl did ask "your not having and tigers or anything painted on the hood and sides right ?" ahahah i lol'd for a solid 3 minutes.. i pay $95/month

[RixR32]

I was on facility for the first two years I had my car. Was RAPED AT $250 a month
Now have my policy with state farm

Corrected. Lol.

[DarkCaporaL]

Was only $250 a month

There is something wrong with this picture.

[S13Jordie]

desjardins isnt bad...the car just has to be stock lol. my buddys are all on desjardins, but cant have any mods. little things like catback are usually semi ok, anything more than that and theyll pull your policy.

I was told no Huge engine mods, giant turbos, nitrous ect ect. wheels and suspension is fine.

[r33_gtst]

I was on facility for the first two years I had my car. Was only $250 a month
Now have my policy with state farm

[Matty]

Quadracer is probably right, from the language desjardin used when they said the car has to be stock when its appraised.

So does that mean that Felicity is the only choice if you want to legaly modify your car even a little bit? I mean there are cars listed on kijiji that are sometimes up to 500whp or so... where can you ensure these kind of cars?

Its called Facility. And yes you can ensure just about anything with them. It is law in Ontario that everyone has to be provided insurance. This is where companies like Facility come in to play. They are the last resort, end all be all of insurance. They charge incredibly high premiums but will take the business when no one else will.