Date: Wed, 14 Jan 2009 19:28:35 -0700
Reply-To: "Will Snodgrass <VE6VWJ>" <ve6vwj@YAHOO.CA>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: "Will Snodgrass <VE6VWJ>" <ve6vwj@YAHOO.CA>
Subject: Re: Occasional use insurance in Canada? Was: Declared Value
Insurance?
In-Reply-To: <784123.48076.qm@web45307.mail.sp1.yahoo.com>
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Hey Poppie;<br>
<br>
I live in Alberta too, and I have worked in the Insurance Industry. I
remembered that Ontario used to have Occasional Use coverage, but I
have never seen it here in Alberta. We have something similar, but
since the new regulations came into effect back in 2005 or 2006 the
basic coverage costs the same.<br>
<br>
What you could do is this; during the winter take the Liability
Coverage off, but keep the fire and theft on it. So long as it has
insurance on it, you shouldn't have to get it re-inspected when you put
liability back on it.<br>
<br>
I hope this helps.<br>
<br>
Will<br>
<br>
Poppie Jagersand wrote:
<blockquote cite="mid:784123.48076.qm@web45307.mail.sp1.yahoo.com"
type="cite">
<pre wrap="">--- On Wed, 1/14/09, Roger Whittaker <a class="moz-txt-link-rfc2396E" href="mailto:rogerwhitt1@GMAIL.COM"><rogerwhitt1@GMAIL.COM></a> wrote:
</pre>
<blockquote type="cite">
<pre wrap=""> you would have to say where you live
every province has different regs ...
</pre>
</blockquote>
<pre wrap=""><!---->
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)
</pre>
<blockquote type="cite">
<pre wrap="">and if you are over 60 there is the grey power insurance
through CARP
Canadian Association of Retired Persons
</pre>
</blockquote>
<pre wrap=""><!---->
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
</pre>
<blockquote type="cite">
<pre wrap="">On Tue, Jan 13, 2009 at 10:10 PM, Poppie Jagersand <
<a class="moz-txt-link-abbreviated" href="mailto:poppie.jagersand@yahoo.ca">poppie.jagersand@yahoo.ca</a>> wrote:
</pre>
<blockquote type="cite">
<pre wrap="">Does anyone know where I can find a true occasional
</pre>
</blockquote>
<pre wrap="">use policy
</pre>
<blockquote type="cite">
<pre wrap="">in Canada?
Currently I have my car and Westy insured. Car is used
</pre>
</blockquote>
<pre wrap="">throughout the
</pre>
<blockquote type="cite">
<pre wrap="">year. I just looked through the past five years of
</pre>
</blockquote>
<pre wrap="">logs, and Westy
</pre>
<blockquote type="cite">
<pre wrap="">is used from 1-3weeks (ie my vacation and occasional
</pre>
</blockquote>
<pre wrap="">weekend).
</pre>
<blockquote type="cite">
<pre wrap="">Yet my insurance company (Wavanesa) charges more or
</pre>
</blockquote>
<pre wrap="">less the same for both.
</pre>
<blockquote type="cite">
<pre wrap="">(ok its $100 less, 500 for Westy and 600 for car
</pre>
</blockquote>
<pre wrap="">(Vibe), but thats
</pre>
<blockquote type="cite">
<pre wrap="">only a 20% rebate for a 95% reduction in used days.
</pre>
</blockquote>
<pre wrap="">Not fair!
</pre>
<blockquote type="cite">
<pre wrap="">But insurance agents I call seem clueless at
</pre>
</blockquote>
<pre wrap="">understanding the
</pre>
<blockquote type="cite">
<pre wrap="">difference.
</pre>
<blockquote type="cite">
<pre wrap="">From: Dennis Haynes
</pre>
</blockquote>
</blockquote>
<pre wrap=""><a class="moz-txt-link-rfc2396E" href="mailto:d23haynes57@HOTMAIL.COM"><d23haynes57@HOTMAIL.COM></a>
</pre>
<blockquote type="cite">
<blockquote type="cite">
<pre wrap="">Restrictions I've seen in addition to
mileage is times of day, (rush hours), to/from
</pre>
</blockquote>
</blockquote>
<pre wrap="">work or any
</pre>
<blockquote type="cite">
<blockquote type="cite">
<pre wrap="">business use,
</pre>
</blockquote>
<pre wrap="">Restrictions like these would be fine with me if it
</pre>
</blockquote>
<pre wrap="">mean I paid for the
</pre>
<blockquote type="cite">
<pre wrap="">true risk of the occasional weekend/vacation drive in
</pre>
</blockquote>
<pre wrap="">the countryside
</pre>
<blockquote type="cite">
<pre wrap="">instead of being fleeced for more or less the same
</pre>
</blockquote>
<pre wrap="">amount as a daily
</pre>
<blockquote type="cite">
<pre wrap=""> driver in the city.
Anyone knows who I should contact in Canada for true
</pre>
</blockquote>
<pre wrap="">occasional use
</pre>
<blockquote type="cite">
<pre wrap="">insurance? (I tried calling the Westy an RV but they
</pre>
</blockquote>
<pre wrap="">didn't go for that)
</pre>
<blockquote type="cite">
<pre wrap="">Thanks,
Martin
</pre>
</blockquote>
<pre wrap="">__________________________________________________________________
</pre>
<blockquote type="cite">
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</blockquote>
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<blockquote type="cite">
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</pre>
</blockquote>
<pre wrap="">
--
roger w
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</pre>
</blockquote>
<pre wrap=""><!---->
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</pre>
</blockquote>
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