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Subject:Re: Occasional use insurance in Canada? Was: Declared Value Insurance?
From:David Marshall
Date:Wed, 14 Jan 2009 07:42:43 -0800

My Westie has cheap insurance (compared to my other vehicles) because it
is classified as a motorhome and not used to go to and from work.�
I'm installing a fridge and bed in my LT for that exact reason!� If I
was to fully insure it for the year with 5M liability, $500 deductable and
20K vehicle value, I am looking at around $900 for the year - here in BC
you have no choice but to get your basic insurance from the gov't - in
Alberta you can choose who you like (much like Germany and the USA and
half of Canada).� In BC if the vehicle is over 25 years old and in
stock condition (or with accessories from that era) you can classifty as a
collector car, which again is cheaper.

David Marshall
VW Adventure Driver and BMW Adventure Rider
 
http://www.hasenwerk.ca

On Wed, January 14, 2009 07:12,
Poppie Jagersand wrote:
> 
> --- On Wed, 1/14/09, Roger
Whittaker <rogerwhitt1@GMAIL.COM> wrote:
>>  you would
have to say where you live
>> every province has different regs
...
> 
> I live in Edmonton, AB. Does this mean that
(unlike the US and Europe,
> I can't buy insurance from an agent
or company out of province?
> 
> In Germany I had Axa in
northern Germany even though I lived in
> Bayern. In the US I had
Safeco, which is nationwide. (Some people
> report bad experience
with Safeco, but at least I got good rates in
> Rocherster NY:
$100/6mo each both Westy and a Passat I had at the time.
> Never
had a claim so don't know who they would be then)
> 
>>
and if you are over 60 there is the grey power insurance
>>
through CARP
>> Canadian Association of Retired Persons
> 
> Not retired yet. Wife thinks my early retirement at 40
wont
> support her shopping desires... Still I guess I won;t get
the retired
> rate until 60.
> 
> Someone locally
once told me about antique car insurance in the province,
> but I
didn't find out names of agents and underwriters. This might
>
work as the age of the Westy (1982) seems to be considered beyond
> retirement (unlike me). Any agents in Edmonton, Calgary dealing
with
> this?
> 
> Martin
> 
>>
On Tue, Jan 13, 2009 at 10:10 PM, Poppie Jagersand <
>>
poppie.jagersand@yahoo.ca> wrote:
>>
>> > Does
anyone know where I can find a true occasional
>> use policy
>> > in Canada?
>> >
>> > Currently
I have my car and Westy insured. Car is used
>> throughout
the
>> > year. I just looked through the past five years
of
>> logs, and Westy
>> > is used from 1-3weeks
(ie my vacation and occasional
>> weekend).
>> >
Yet my insurance company (Wavanesa) charges more or
>> less the
same for both.
>> > (ok its $100 less, 500 for Westy and 600
for car
>> (Vibe), but thats
>> > only a 20%
rebate for a 95% reduction in used days.
>> Not fair!
>> > But insurance agents I call seem clueless at
>>
understanding the
>> > difference.
>> >
>> >
>> > >
From: Dennis Haynes
>> <d23haynes57@HOTMAIL.COM>
>> > >
Restrictions I've seen in addition to
>> > > mileage is
times of day, (rush hours), to/from
>> work or any
>> > > business use,
>> >
>> >
Restrictions like these would be fine with me if it
>> mean I
paid for the
>> > true risk of the occasional
weekend/vacation drive in
>> the countryside
>> >
instead of being fleeced for more or less the same
>> amount as
a daily
>> >  driver in the city.
>> >
>> > Anyone knows who I should contact in Canada for true
>> occasional use
>> > insurance? (I tried calling
the Westy an RV but they
>> didn't go for that)
>>
>
>> > Thanks,
>> > Martin
>>
>
>> >
>> >
>>
__________________________________________________________________
>> > Connect with friends from any web browser - no
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>> > new Yahoo! Canada
Messenger for the Web BETA at
>> >
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>> >
>>
>>
>>
>> --
>>
roger w
>> There are two kinds of jobs in the world:
>> Picking up garbage and telling people things.
>>
Successful people do both, with the same good attitude.
>>
(riw)
>>
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>>
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> 
> 
>      
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