TranceAddict Forums (www.tranceaddict.com/forums)
- Canada - Toronto & Southern Ont.
-- high risk auto insurance - THE TOTA LEAD FOOT ALLIANCE - Join today
Pages (5): [1] 2 3 4 5 »

high risk auto insurance - THE TOTA LEAD FOOT ALLIANCE - Join today

well i just recently got my insurance cancelled on accound of too many speeding tickets.....

so now im listed as high risk..


who offeres this kind of insurance, how much is this going to cost me?


has anyone been in a similar situation? not driving is not an option as i need to comute for shcool / work


any advice would be appreciated... thanks

be prepared to bend over quite a bit...

I predict years of ass raping in your future.

how bent over, like middleastern guy going through US airport security bent over, or scrawny helpless guy's first time in a prison shower type bent over

from what i've heard facility insurance runs about $3000 a year

how old are you
my estimate, 5000+ easily

i feel your pain colonel sanders..... you may need to render your secret recipe after i give you this little bit of news.......

i had five speeding tickets, driving a 2001 sunfire gt.....

are you ready?.......

$3800 for 6 months

and you wont have many options either.

i suggest the co-operators.

good luck.

mine was 8000 a year at one point
one accident (totalled car), young driver, 2tickets

p.s. - stock up on ky.... you know, to avoid chafing.

fuck me.... i have 4 minor speeding tix (20 over and under) but i just bought a 2006 pontiac pursuit. so im tied into a 48 month lease...... and i need a car for school. FUCK

i just got a quote 4490 a year

quote:

Originally posted by colonelcrisp fuck me.... i have 4 minor speeding tix (20 over and under) but i just bought a 2006 pontiac pursuit. so im tied into a 48 month lease...... and i need a car for school. FUCK i just got a quote 4490 a year

Each speeding ticket shows you are a higher risk of getting into an accident which means there is a higher chance you will have to use funds from the pool of money to pay for damages to your vehicle, personal injuries to yourself and to others.

As a high risk driver....$4,490.00 isn't too bad. I've seen people with rates over $10,000.00 a year.

Because you are in a leased vehicle you will have to have full coverage on the vehicle. If you want the premium to come down a bit I suggest you take higher deductibles for both collision and comprehensive coverage......probably $2,000.00 deductible would help.

quote:

Originally posted by ChemEnhanced Each speeding ticket shows you are a higher risk of getting into an accident which means there is a higher chance you will have to use funds from the pool of money to pay for damages to your vehicle, personal injuries to yourself and to others. As a high risk driver....$4,490.00 isn't too bad. I've seen people with rates over $10,000.00 a year. Because you are in a leased vehicle you will have to have full coverage on the vehicle. If you want the premium to come down a bit I suggest you take higher deductibles for both collision and comprehensive coverage......probably $2,000.00 deductible would help.

do you know which insurance providers will give out high risk insurance?

i can only find a couple on google

quote:

Originally posted by colonelcrisp do you know which insurance providers will give out high risk insurance? i can only find a couple on google

afaik there is only 3 companies that would do it

quote:

Originally posted by geroin afaik there is only 3 companies that would do it

co-operators is one of them.

quote:

Originally posted by colonelcrisp do you know which insurance providers will give out high risk insurance? i can only find a couple on google

You're probably going to be in the Facility Group so really what you're getting is a number of companies each taking a little bit of your policy because you are too big of a risk for any one to accept. Belair, Nordic (part of Belair), Royal Sun Alliance, Cooperators, Kingsway General, are all big facility insurers.... you'll want to talk to them. Regardless of which you go with your fucked until the 4th anaversary of your first ticket.

quote:

Originally posted by Moral Hazard You're probably going to be in the Facility Group so really what you're getting is a number of companies each taking a little bit of your policy because you are too big of a risk for any one to accept. Belair, Nordic (part of Belair), Royal Sun Alliance, Cooperators, Kingsway General, are all big facility insurers.... you'll want to talk to them. Regardless of which you go with your fucked until the 4th anaversary of your first ticket.

woa woa woa 4th aniversary? i thought the tix were cleared after 3 yrs

quote:

Originally posted by colonelcrisp do you know which insurance providers will give out high risk insurance? i can only find a couple on google

High Risk or Facility Insurance is run through The Facility Association.

The Facility Association is an entity established by the automobile insurance industry to ensure that automobile insurance is available to all owners and licensed drivers of motor vehicles where such owners or drivers are unable to obtain automobile insurance through the voluntary insurance market.

The Facility Association is an unincorporated non-profit organization of all automobile insurers Ontario and other provinces and territories.

Every insurer licensed to write automobile liability insurance in any jurisdiction the Facility Association serves is required to become a member and remain a member of the Association.

quote:

Originally posted by colonelcrisp woa woa woa 4th aniversary? i thought the tix were cleared after 3 yrs

The 4th anniversary is the end of the third year ......

quote:

Originally posted by ChemEnhanced

fix your link mr VP

quote:

Originally posted by Platipus fix your link mr VP

I will not do such a thing

quote:

Originally posted by TO guy The 4th anniversary is the end of the third year ......

LOL

Finally, my last year with Kingsway before going to normal insurance. I averaged ~$4000 per year.

quote:

Originally posted by ChemEnhanced I will not do such a thing

hahahaha...

quote:

Originally posted by colonelcrisp but i just bought a 2006 pontiac pursuit. so im tied into a 48 month lease......

This is a bigger problem than your insurance.

Colonelcrisp, I know what I�m about to say wont help you at this point but for future try to remember the usual spots where cops are waiting for a victim and try to check your mirrors often for a police car, specially when you are going over 25km than the limit. There are only a few police cars so it�s worth to know the shape of their headlights so you can even recognize them at night.

2002 Hyundai Accent GS
+
3 Tickets
----------------------
385$/m


That's 4620.00$ a year !!!



Got rid of my car, last september.

Powered by: vBulletin
Copyright © 2000-2021, Jelsoft Enterprises Ltd.