Insurance is regulated provincially in Canada so your Nova
scotia rules will be different from those I'm under in
Ontario. But, for point of reference here is what I did:

I had heard horror stories of people suffering a complete
writeoff of their van and the insurance company giving them
half of what they paid. So I had my van professionally
apraised (apraisaer said Pokey was worth $7,500 Canadian) and
then made sure my insurance company gave me a 19A rider. What
that means is the insurance company is obliged to pay the
appraised value of the vehilce.

I am debating getting the van apraised again, because I have
added a SA grille, $500 custom aerodynamic luggage box,
second battery, tach, 15" SA Rhein wheels w/Agilis 51s (alone
$2,000 Canadian to replace). Plus I will probably add AC and
a big brake kit fairly soon.

As a side note I had difficulty getting insured with CIBC
(now Certas) because they consider a westy to be an RV.
Moreover, discount insurers are unlikely to give you a 19A
rider. I eventually went with State Farm who coincidentally
also insure my house.

Thanks,
Chris

---- Original message ----
>Date: Fri, 26 Apr 2002 13:58:52 -0300
>From: Scotia Westy <scotiawesty@NS.SYMPATICO.CA>
>Subject: insuring your Westy in Canada
>To: vanagon@GERRY.VANAGON.COM
>
>Hi Folks:
>
>This question is directed to the Canadian crowd. Have you
done anything
>special to insure your Westy for the road?  Is there a
consensus on how best
>to go about this in Canada?
>
>I am presently insured with Meloche Monnex with $1000.00
deductibles for
>collision and comprehensive and a standard $1000000
liability.  Costs about
>CA$600.00/year.
>
>I am asking because I'd like to make sure I am not missing
something here.
>
>Cheers,
>
>Dan
>
>Bedford, Nova Scotia
>Canada