Warning About The Hype Of Changing To All-State Insurance

nfq said:
I've known Grant when he was at StateFarm and ever since he moved to Allstate.
I have insured R6's, ZX6R and Ducati's with him. No houses, no life insurance, no other BS. He's as great an insurance agent as you'll find. No gimmicks or tricks.

This whole "friend of a friend called my cats babysitters friends insurance guy" BS is nothing more then another grease axle stick thread in the making.

Maybe you just sounded like a jerk on the phone and they didn't want to deal with you as a customer OP? :)
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FYI - Grant @ AllState did insure my SS 2 years ago as a stand alone policy (when you referred me).. when I sold the bike and bought another he tried to give me the run around to bring my car and/or house insurance to write another policy. I posted about this before - he said he was going to "do me a solid" and re-write another stand-alone, but I ended up going with Rider's plus.
 
MPS said:
its sucks for ppl that don't own a home or condo
cus they wont let you get it with just renters insurance
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The agent I talked to said I didn't need to have any other policy with them to get bike insurance.
 
Two50noob said:
I don't think its directly cause of Peggy. If they dont provide standalone policies then anyone who has them this year will either be grandfathered (with a higher rate possibly) in or will be dropped its just the way it will be.

On another note i think allstates policy of requiring housing is anti-consumer and slightly monopolistic. But since its not breaking the FSCO's rules i'm not sure were to take this complaint .
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I'm a little late to this thread and I'm no Underwriting expert, but the Ontario Insurance Act states that an insurer cannot refuse to issue a new policy for Auto insurance due to "the fact whether a person who would be an insured person under the contract owns a home." You can look it: R.R.O. 1990, REGULATION 664 5.2.d.7:

http://www.e-laws.gov.on.ca/html/regs/english/elaws_regs_900664_e.htm#BK3

By requiring that you have your Home or Condo policy with Allstate, this implies that you must own a home (unless they will also let you insure a bike if you have a Tenant policy). It would be nice if I had a copy of Allstate's filed Motorcycle eligibility criteria to see what is written in there.

Also FYI, it is within the insurer's right to have a filed criteria (eg. "We will not insure sport motorcycles") but then make exceptions for some very specific clients. The eligibility criteria gives them the right, but not the obligation, to deny a risk.
 
this may work for cars
i did talk to them about it
and was told a bike is considered recreational
 
under the Compulsory Automobile Insurance Act ...
Compulsory automobile insurance
2. (1) Subject to the regulations, no owner or lessee of a motor vehicle shall,

(a) operate the motor vehicle; or

(b) cause or permit the motor vehicle to be operated,

on a highway unless the motor vehicle is insured under a contract of automobile insurance. 1994, c. 11, s. 383; 1996, c. 21, s. 50 (3).
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the CAIA defines automobile insurance as..
means insurance against liability arising out of bodily injury to or the death of a person or loss of or damage to property caused by a motor vehicle or the use or operation thereof....
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where motor vehicle means...
“motor vehicle” has the same meaning as in the Highway Traffic Act and includes trailers and accessories and equipment of a motor vehicle
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in the HTA motor vehicle means...
“motor vehicle” includes an automobile, a motorcycle, a motor-assisted bicycle unless otherwise indicated in this Act, and...
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wouldn't any insurer of "automobile insurance" have to insure motorcycles?


Also the (d.7) rule from the insurance act regs ...
5. (1) No insurer shall decline to issue, refuse to renew or terminate any contract of automobile insurance or refuse to provide or continue any coverage or endorsement solely because,

....

(d.7) the fact whether a person who would be an insured person under the contract owns a home;
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this would apply for motorcycles too because the definition of automobile insurance includes motorcycles
 
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Friend of mine doesn't own a house and his bike is insured with All State. Barely pays more than me and his bike has an engine 10x the size (125cc vs 1300cc Hyabusa).
 
VifferFun said:
I'm a little late to this thread and I'm no Underwriting expert, but the Ontario Insurance Act states that an insurer cannot refuse to issue a new policy for Auto insurance due to "the fact whether a person who would be an insured person under the contract owns a home." You can look it: R.R.O. 1990, REGULATION 664 5.2.d.7:
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dasiffy said:
under the Compulsory Automobile Insurance Act ...

Also the (d.7) rule from the insurance act regs ...
this would apply for motorcycles too because the definition of automobile insurance includes motorcycles
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Very interesting point i may recall the compliance department
 
VifferFun said:
By requiring that you have your Home or Condo policy with Allstate, this implies that you must own a home (unless they will also let you insure a bike if you have a Tenant policy). It would be nice if I had a copy of Allstate's filed Motorcycle eligibility criteria to see what is written in there.
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How can we get a copy?
 
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