Roomie
Banned
Same here by about 700 dollars. $1900 is not as low as you can get living in Toronto at your age with a clean record. Where do some of the people around here come up with their incredible knowledge?
TD Insurance rate hikes?
- Thread starter CBR 600RR
- Start date
Same here by about 700 dollars. $1900 is not as low as you can get living in Toronto at your age with a clean record. Where do some of the people around here come up with their incredible knowledge?
redridernl
Well-known member
Same here by about 700 dollars. $1900 is not as low as you can get living in Toronto at your age with a clean record. Where do some of the people around here come up with their incredible knowledge?
I know, right. That guy...
Same here by about 700 dollars. $1900 is not as low as you can get living in Toronto at your age with a clean record. Where do some of the people around here come up with their incredible knowledge?
It seems you are lacking facts here. Care to show what is the lowest price full coverage for a S1000RR living in downtown Toronto? 42 clean record, bike alone new policy. Thanks
Last edited:
redridernl
Well-known member
I don't recall saying that I have a bmw or that I live downtown...
Roomie
Banned
Game, set, match. I don't recall either being posted. One more troll to the ignore list. I guess it is that time of year.
I thought I would sort of add my recent experience with TD Insurance claim department ... I had a no fault claim, so I filed and must say that I was impressed how smooth, quick and pain free it was to deal with the TD, the shop they sent me to as well as their preferred rental company.
Whole process took about 3-4 weeks .... From the accident to having my car back. Car looks to me like new, no complaints with workmanship and I was surprised that it came with lifetime warranty.
Why am I saying it? Well MPS made a good point a few posts up, and I was kind of not buying it, but I can see where for car (bike would be a different ballgame for me) it probably pays off to pay a bit more, but knowing when you have a no-fault claim, that you will be quickly looked after. BTW, I did ask, the shop who deals with most insurance companies out there, which insurance company they don't deal with and why. Instantly, they said Desjardins, because they simply nickel dime and question completely everything and delay things from day one .....
So, I am not saying I will keep the cars with TD forever, but the good claim service will buy them 200-300 rate difference, I am willing to live with.
For bikes, no chance, because the bike will be either a write-off when I claim or DIY repair ... Plus the bike I ride we are talking much smaller values.
Whole process took about 3-4 weeks .... From the accident to having my car back. Car looks to me like new, no complaints with workmanship and I was surprised that it came with lifetime warranty.
Why am I saying it? Well MPS made a good point a few posts up, and I was kind of not buying it, but I can see where for car (bike would be a different ballgame for me) it probably pays off to pay a bit more, but knowing when you have a no-fault claim, that you will be quickly looked after. BTW, I did ask, the shop who deals with most insurance companies out there, which insurance company they don't deal with and why. Instantly, they said Desjardins, because they simply nickel dime and question completely everything and delay things from day one .....
So, I am not saying I will keep the cars with TD forever, but the good claim service will buy them 200-300 rate difference, I am willing to live with.
For bikes, no chance, because the bike will be either a write-off when I claim or DIY repair ... Plus the bike I ride we are talking much smaller values.
Thanks for confirming my Desjardins theorie
and you can also add Aviva to that list
9 weeks since my not at fault accident and no one has even come to the shop to look at my car
spoke a legal rep about this
and was told Aviva has a pay out freeze
so careful who you insure with now days
cheap rates maybe attractive at first
but they don't pay out later
BTW State Farm is now Desjardins/Personal
and you can also add Aviva to that list
9 weeks since my not at fault accident and no one has even come to the shop to look at my car
spoke a legal rep about this
and was told Aviva has a pay out freeze
so careful who you insure with now days
cheap rates maybe attractive at first
but they don't pay out later
BTW State Farm is now Desjardins/Personal
Sounds like you got out of age surcharge zone ... or some tickets come off .... or you moved?
Well, I am thinking you must have hit some sort of a reduction by their book, because a drop this large makes no sense, not for an insurance company in Ontario.
Not sure what bike you ride, but maybe the 1500$ was a rip-off to start with for your age and location ....
Not sure what bike you ride, but maybe the 1500$ was a rip-off to start with for your age and location ....
Ninja 250 and like I said I think the main reason I was so high in the first place was the fact that despite my age this was my first vehicle ever, hell I still don't have my G though I am starting to consider it because the bus is really getting on my nerves in the winter now.
So yeah I agree I must have hit a "Well he hasn't killed himself or anyone else in the last two years as a completely new driver so he mustn't be a complete dick" checkbox in their system.
Yeah, they ripped you off at 1500$ ... for Ninja 250, high 30's and North York location. $900 is still quite a chunk, look around ... I started in high 30's, similar small cc bike and worse location and paid half .... I did have G, but I am not sure whether that makes a huge difference.
