evolution

Well after four years, PC ditched me. Garaged w/boomerang! No claims, no tickets & 6-stars with 10% off but I had work rims on at the last inspection and they cited one of the bylaws that let them cancel my policy.

$1200 per year, 27 years old. Any recommendations?

s2kobsession

you aren't allowed to have work rims on your car?

I dont' get it.... thought aftermarket parts were ok.

iDomN8U

What bylaw are they talking about?

evolution

"Rule #54

Any automobile, ... that have been modified, reconstructed, restored or altered in any way other than standard upgrades made by the recognized manufacturer of the vehicle. This would include material alteration by addition, deletion or substitution, including all performance influencing modifications th at would enhance performance or use"

I had a deck, drop, bolt ons too but that was all on in the past and they inspected and said NP, it was "oem". Geez. I even called and they said no problem with insuring since I changed rims this year.

iDomN8U

Sad, easy way out for them. you know Dealerships are slapping aftermarket rims on cars that go out the door brand new

revmatch

wow, that sucks balls....does this rule #54 BS go for ALL ins co's in Canada/Ontario, or just with PC? i'd think it's just PC since other companies allow slight modding in most cases.

i hope you check with PC that they let you off "free and clear" kind of thing....cause when an ins co. drops you, other co's may take it as you 'had your ins cancelled' and that's a big nono in other companies books. (also co's can **** you over if you dont tell them of mods/add'ns if they want to be real stingey).

anyways, try Bel-Air Direct, prob your best rate there. else if u can get a discount with TD, try them. Also there is The Personal who are usually cheap, or Farmer Insurance (I believe a division of TD or something??). Also tokyo-marine...but they may only be corporate.

evolution

Yeah I think it's just PC. It's a company another board member recommended. Really good in my opinion, just a stupid clause. I'd go back to PC if my car is 100% bone stock.

Thanks for the tip rev, I talked to the agent and they said it's a bad drop but if I cancel before the date they gave me then it's OK and turns into a good drop.

cthree

Wha???

Whaever. I have RBC and they seem pretty good. Never had an "inspection" from my insurance company. WTF is that?

PearlwhiteS2k

Some insurance companies require you to have a inspection done by one of there auto shops. They will take picture and write down what you have done to your car.

hyper

I'm w/ TD / Meloche Monnex for house and auto since '03.

$25xx / year for '03 s2k (mine - leisure driving coverage; < 10,000 km / yr. ) and '01 rav4 (wife's - DD coverage) -- both w/ clean record