Insurance for your Skyline

[cdnleaf]

i wrote bob dechart my local mp today ill see what he says

Cool - I'm curious to see what his response will be. MP in a majoriy government that was getting pinched by the North American auto industry isn't likely to say much. Reality - the perception is JDMs and imported RHDs hurt the auto industry. Sure I would like to buy one of Matty's Honda Odysseys or CRVs - exceptional price / quality, save 10-20k from buying a new one. And that's precisely why the insurance companies are bailing on JDMs and RHDs as daily drivers - the auto industry doesn't want it to happen. Every sale is a perceived loss of income and potential loss of jobs to Canada and the US. Not the same as the UK/France, LHDs and RHDs all getting along - their economies are not co-dependent on the production of automobiles. LMAO @ anyone who buys the load of crap 'studies' that RHDs are not safe driving on same roads etc. in Canada. Nothing to do with safety / everything to do with buying and selling LHD vehicles made North and South of the boarder. Oh and Mr. Honda doesn't give a flying duck if I can't get a JDM CRV - just as long as I get one made in Alliston, Ontario.

[MKIV]

Very well said Cdnleaf, a very accurate response. Realistically, dangers come with driving any vehicle, and in the end, the driver is in control of the outcome most of the time. (I say most because there's always external factors, drunks behind the wheel, etc)

With that said its rather unfair and somewhat degrading that we have something so cherishable to us and yet its made extremely difficult by others to enjoy that something,

How's this, what if RHD did get banned in Ontario? Would the insurance doors open then? The market is no longer affected, and there is only existing customers...

[DarkCaporaL]

Do you guys really think the Insurance companies care about the North American auto industry? They are here to make money, whether RHDs are banned in Ontario or not it won't change a thing for them.

They rely on stats to decide who/what/where/at what cost they insure. That's it.

[cdnleaf]

Do you guys really think the Insurance companies care about the North American auto industry? They are here to make money, whether RHDs are banned in Ontario or not it won't change a thing for them.

They rely on stats to decide who/what/where/at what cost they insure. That's it.

Absolutely I believe they care about the health of the auto industry; it's a trillion dollar industry that fuels both economies. Flat lining auto industry is not good for insurance companies - considering all the other policies they write. Agree they are here to make money and dumping coverage on insuring RHDs as daily drivers isn't going to hurt their bottom line.

[fletchn8n]

I just spoke with "Rick" I believe - CORNELL INSURANCE BROKERS LTD. - one of the brokers listed on Intact.
905/471-3868.

They have some clients who have RHD vehicles - I didn't get into the specifics but if you need coverage in Ontario, reach out!

i put a call in today. lets see what they can do. thanks.

[IMPULR33R]

called and asked to check if intact can carry me
was informed that my record is grade 1 or something so it with be high

its cause of my single vehicle spin out in, which was with certas and i was covered
( accident forgiveness) but now that they dropped me ... its not forgiven

so i ask if the broker or intact has a right hand drive refusal policy , he says he doesnt know, but he tried to say no, cause its customized, i told him no its not , its just a japanese car.

so it is still rhd,.. yes

and we continued... so i waiting to see if intact has a rhd refusal policy in place

it may be high quote but i dont want facility...

[IMPULR33R]

btw if you modify your car to be LHD you still wont get coverage

a. because you still have 11 digit vin
b. because you customized/modified your car

so why dont we just switch to n/a vin and replate the car as a 240/or something and skirt the 11- digit vin issue with insurance companies

or would you then just be effed in the event of a claim?

[IMPULR33R]

bad news bears ... intact is part of belair direct and has a rhd refusal policy

[Daryl @ RightDrive]

so why dont we just switch to n/a vin and replate the car as a 240/or something and skirt the 11- digit vin issue with insurance companies

Because that would be very illegal and constitute insurance fraud.

[Kunzz]

what about CONSUMER FRAUD?!
i hate life

[Daryl @ RightDrive]

what about CONSUMER FRAUD?!
i hate life

Write or call your local MP, that's what they are there for. They wont be able to change much, but at least they can put some pressure on someone.
The Auditor General is looking into the ridiculous rates in Ontario right now, so it's good timing to add more to the fire.

[DarkCaporaL]

Absolutely I believe they care about the health of the auto industry; it's a trillion dollar industry that fuels both economies. Flat lining auto industry is not good for insurance companies - considering all the other policies they write. Agree they are here to make money and dumping coverage on insuring RHDs as daily drivers isn't going to hurt their bottom line.

What I'm saying is that there isn't an Insurance Company "conspiracy" of not insuring non north american sold vehicles just to stimulate North American automobile industry. They really don't care where your car comes from unless it has some negative effect on them when comes the time to cash out. They rely on stats (be it bogus stats on RHDs) to determine the risk involved in insuring specific vehicle makes and models; the cost to have a certain vehicle repaired (higher for imports usually); etc.

Be it a Japanese sold LHD model vs the exact same car but North American sold (Nissan, Mitsubishi, etc), it won't change a thing. What they do not like however, is when it's RHD (because of risk increase stats) and hard to get parts for repairs (when the vehicle is not normally available for purchase in North America). If the vehicle is available for purchase in North America and you decide to import it because it's cheaper, they won't care because it's all the same to them. They won't go around and try not to insure you because "you didn't buy a North American sold vehicle and didn't stimulate our economy."

[Daryl @ RightDrive]

I wouldn't go as far to say there is a conspiracy, however the CADA has been railing against RHD for years, and are a very powerful entity. They could have a lot of pull with insurance companies, and who knows what is going on behind closed doors.
At the very least, the CADA is guilty of providing false or heavily biased information to the Canadian Government about RHD cars.

[MKIV]

What worries me is that everyone seems to be having an extremely difficult time insuring their stock Skylines with a clean driving record.

My car is really nowhere near stock, and I have two "15 over's" from 2009

I'm really not excited about facility

[MKIV]

One other thing, I went on Facility's website and they explain a lot about them and that they suggest you shop elsewhere before coming to them, etc.

But, what I didn't find was that apparently you MUST be insured with them for a full year? And on top of that, you must pay the full amount up front or "finance" the amount?

Anyone with Facility?? Chime in?