Insurance for your Skyline

[MKIV]

Illegal.
I really hate when young people try to pull this one, especially with Skylines......sorry, not trying to be rude but this does not HELP our insurance rates...
Rick

I'm just going to go ahead and call b.s. on that one.

My information comes from the RIBO (Registered Insurance Brokers of Ontario), who told me when I was in the market for insurance last year that as long as the driver is covered on the vehicle, primary or secondary, it does not matter if the secondary driver uses it 99% and the "registered" owner uses it 1%.

To call me wrong is to call them wrong... I got this from them... so I'll leave it at that... but I also don't understand why you would attack anyone for finding a simple solution such as using their parents? Would you rather they drive without insurance and then really affect your rates when they get caught and statistics for Skyline owners change drastically in Ontario?

I look forward to your response.

[MattiasJacobs]

My 98 a4 1.8T is $29 a month in Washington and my bnr32 is $175 a month in bc! I dont understand how some of you guys can justify the $400-$600 a month that you say you are paying. Yes i love my gtr but anything over $250 a month and i would seriously reconsider.

As tenkay said things are much different out here. Just fill out a simple kenetix report online with any address close to the gta (any car) and video tape your jaw drop. My rates are just under 400 a month skyline and 160 on a truck. If i lived where you do i could probably cut those rates in half.

[Oakville]

Only thing I can say with regards to the secondary driver thing is it may be viewed as "insurance fraud". In no way am I justifying it or saying its right. My dads broker actually recommended I do it, he would've had the business anyways (we've been with the same guy for a quarter century), but we indeed do this. My dads E92 is a company car, so the 2001 civic sedan I drive is his. In the 150,000kms I have put on both my Hondas since 2009 he has driven probably 15 of those. I have been pulled over numerous times under this ownership setup (I do a lot of late night/early morning driving, usually with multiple people in the car, and Halton region cops have literally nothing better to do at that hour than check every car, understandably...it's Oakville). Never once ticketed or warned, just merely checking up on the people in the car.

Where I'm going with this is that I've had tons of officers see that I'm driving a car owned by my father who lives in another city. Never have I even been asked about it. Now I can imagine questions coming when a cop sees a 20 year old driven by a modded GTR owned by a 55 year old man...but can/will they do anything about it?

I'm sure this response is all over the place. I'm mid lecture right now but wanted to chime in because unfortunately Ontario drivers under 25 have no choice but to do this

[TheHire]

My 98 a4 1.8T is $29 a month in Washington and my bnr32 is $175 a month in bc! I dont understand how some of you guys can justify the $400-$600 a month that you say you are paying. Yes i love my gtr but anything over $250 a month and i would seriously reconsider.

I currently live in thee most expensive territory for insurance...

A friend of mine just moved into my place. When he changed his address from Niagara to North York, his insurance went from $150 to $400 on a cavalier... He's over 25 with a half decent driving record.

So the way I see it the skyline only costs me an extra $200 a month over say driving a LHD G35, LS430, or older TL or 7 Series.

I'm hoping as time goes on my rates will go down...

Oh and the Skyline is way cheaper on insurance than my previous JDM-K20A swapped Acura EL. Lol. So those that complain about RHD insurance, be thankfull your not properly insuring a completely re-built Honda track car.

[Oakville]

Im tired of these threads popping up, mainly because its just a haven for people bitching about it being so expensive.....then people from OUTSIDE ontario coming in saying how great their rates are. 100% completely irrelevant. Thats like me going into your threads on getting your cars certified in BC and me saying how I dont need side markers or aircare. FIO boys!

I'm going to write a final bible covering everything for these cars in Ontario. when I have a bit of free time..

[RixR32]

I'm just going to go ahead and call b.s. on that one.

My information comes from the RIBO (Registered Insurance Brokers of Ontario), who told me when I was in the market for insurance last year that as long as the driver is covered on the vehicle, primary or secondary, it does not matter if the secondary driver uses it 99% and the "registered" owner uses it 1%.

To call me wrong is to call them wrong... I got this from them... so I'll leave it at that... but I also don't understand why you would attack anyone for finding a simple solution such as using their parents? Would you rather they drive without insurance and then really affect your rates when they get caught and statistics for Skyline owners change drastically in Ontario?

I look forward to your response.

Ok let me clarify.
I was basically ranting, I'm as sick of insurance BS here as anyone else....and of course driving without insurance is not the answer, come on now.

"Secondary" is just that. You are insured as an occasional, or secondary, driver on *SOMEONE ELSES* (ie - parents) vehicle(s).
It IS NOT used for someone to go out and buy their own vehicle and try to do this to save $$, or actually get coverage.
So...buying a GTR (or whatever), and calling it someone elses is the part that I was talking about.

If there are as many licensed drivers as vehicles in a household, being "occasional" is not allowed either. Now I guess if the numbers were right (wifey didn't have a car...), you could "say" the kids car was hers, but in the companies eyes it could still be fraud. This seems to be how most get away with it though -- see Oakvilles post above

Me and the wife each have a vehicle. My 16 year old daughter could be secondary on either of those and use them as much as you stated above. (To get the experience, THATS what this is for)
If she went out and bought another car, we COULD NOT register it to us and have her secondary.
If she put it in her name, also not allowed to be occasional.
This has been stated over and over by our insurance broker/company.

As a side note, she can't drive my Pajero either....but thats another issue again....

Hopefully that's clearer.
I'm in no way saying I agree with this ****, but the more fraud that goes on, the worse these already ridiculous rates will get and none of us wants that.

Rick

[RixR32]

Im tired of these threads popping up, mainly because its just a haven for people bitching about it being so expensive.....then people from OUTSIDE ontario coming in saying how great their rates are. 100% completely irrelevant. Thats like me going into your threads on getting your cars certified in BC and me saying how I dont need side markers or aircare. FIO boys!

I'm going to write a final bible covering everything for these cars in Ontario. when I have a bit of free time..

Agreed.
And..good idea, but you'll need a **** of a lot of time!!

[Kennysamasanchan]

Something's got to give when it comes to the insurance increases in Ontario. It's not like the rates we're paying for are in any justified- if your window gets smashed in or if an idiot hits your front/back bumper you're covered, but face it- if anything actually happens to you, they forget who you are.

Political party anyone? Greater Torontonian Regional Party- GTR-P for short. First policy: provincial run auto insurance? That way everyone to the west of Ontario can stop having their sympathetic heart attacks when Ontario rates get brought up.

On the note of rates, contemplating moving from the GTA to outside the Peterborough region- anyone made the move from the city to the country and seen a significant drop in insurance? Just wondering if it's a better idea to buy when I'm already north instead of still in the city.

[DarkCaporaL]

Me and the wife each have a vehicle. My 16 year old daughter could be secondary on either of those and use them as much as you stated above. (To get the experience, THATS what this is for)
If she went out and bought another car, we COULD NOT register it to us and have her secondary.
If she put it in her name, also not allowed to be occasional.
This has been stated over and over by our insurance broker/company.

This either changed over the years or must vary by company or province or whatever.

When I started driving almost 15 years ago (wow, that's a long time ago wtf), our insurance company (not a broker, the company), told my parents to put the new car under their policy with me as a secondary driver because it would be cheaper.

That's right, my parents already owned 3 cars and I bought my own, and the insurance company told us to still put MY new (albeit used) car under their name. No mileage limit, I used that car as my DD. Keep in my mind we still lived under the same household.

I have no clue what the reality is today, I'm speaking from my own personal experience.

In the end, asking the insurance company is always your best bet since they are the ones insuring you...

[RixR32]

This either changed over the years or must vary by company or province or whatever.

When I started driving almost 15 years ago (wow, that's a long time ago wtf), our insurance company (not a broker, the company), told my parents to put the new car under their policy with me as a secondary driver because it would be cheaper.

That's right, my parents already owned 3 cars and I bought my own, and the insurance company told us to still put MY new (albeit used) car under their name. No mileage limit, I used that car as my DD. Keep in my mind we still lived under the same household.

I have no clue what the reality is today, I'm speaking from my own personal experience.

In the end, asking the insurance company is always your best bet since they are the ones insuring you...

K now I feel even older. When I got my licence, 19 years ago, I had to be primary on my car cause the parents both had cars.
So im thinking its provincial...as usual.
Back then I paid $267/month on an 82 cavalier, on a part time canadian tire wage. So, ontario has sucked for at least that long.

[Xeno-Vibe]

why cant we have JDM loving politicians

[MKIV]

why cant we have JDM loving politicians

Because unsafe overpowered under-priced death trap race machines.

[tenkay]

Only some of those statements are true hah

Because unsafe overpowered under-priced death trap race machines.

[DRIVER_R32]

and yet all 2013 sedans are mid to high 200's for hp and same for tq and alot of 2.0lt turbo engines.
fusion, malibu, kia optima. and are about $21k-$22k new so in 15 years they are worth 1000-2000.00 .

so how is a $10k 15 year old car cheap overpowered? how about fwd ? thats dangerous.

and if you want cheaper insurace get a postal code up north like north bay or something , rent a cabin and get a p o box and explain that your poor and live in a trailer with no address. and the only thing that even resembles a address is the general store p o box.

they wont forward to your real address. but hey i drive up north anyways .

but thats the only thing i can come up with until the mps or mpps do somehting about it.

its not right that the insurance gets to gouge becuase they arent profitable in ontario.

if you cant get by here . leave. thats what i was told by a mp, you have the right to move to any other province.

so why cant you say that to insurance and have a goverenment insurance balance the rates .

this is so rediculous that ibci is a better option the ontario private

[Kennysamasanchan]

Who said insurance companies were not profitable in Ontario?

2005 saw a profit of six billion. The next year saw a profit of five. I believe 2011 was a 3.1 billion overall profit.

It's not that insurances aren't making profits- it's that they see the profits they can maintain and continually raise it in the hopes they can continue to pad their bank accounts. There's really no reason for Ontario to have the rates it does, but with a total lack of government regulation the Mafi- I mean the Insurance Companies can charge whatever they like.