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  1. M

    Cheapest Cars To Insure

    @humble_disciple You're welcome to look up CLEAR (CANADIAN LOSS EXPERIENCE RATINGS) to see where things are now. When I was shopping around a couple years back the Subaru Crosstrek was pretty low alongside the Forester but some of the highest rated vehicles included Jeep Cherokees Honda civics.
  2. M

    Ontario home insurance help - Getting hosed

    @donaldcoomer28 Why not get it covered as a secondary rental home alongside your primary residence in Ontario? Real talk: Rating hit for rental. Rating hit for not having primary residence with carrier. Rating hit for not being within 100km of the rental. There's probably a better broker out...
  3. M

    Need help understanding absurd Car Insurance Quote

    @samuelking Also to note there will likely be a "star" value. Fresh drivers are usually 0* and many Ontario Automobile Insurance providers will cap G2 drivers at 3*. Be sure to graduate promptly. Also important to note is if working with a broker be sure to see which insurers they have that they...
  4. M

    Car insurance companies you recommend?

    @ktipton Be sure to let the insurance agent, broker or quoting program know if they had any convictions etc as this may still impact your rating when you are both licensed. Many of the best insurance companies want a full and accurate section 4 on the OAP form. This includes G1 operators...
  5. M

    Do you like your job?

    @preacher56 Everyone is talking dollars and cents. Selling can be stressful, especially in a hard market. Claims can be stressful, each person potentially experiencing one of the worst days of their lives. Underwriting and regulatory requirements can be stressful and arbitrary. Unlike many...
  6. M

    Third party claim in vehicle accident, neither party admitting fault.

    @marshallbryant Before filing a claim I'd check in with a broker because many insurers have limits on fence/post damage. If your limit is $1500 then you'll still need to litigate. Nobody likes lawyers but they usually send a clear message to auto insurers when liability is present. It's your...
  7. M

    Business vs. Personal car insurance question.

    @camipls Depends on how companies rate. It's the driver that's usually rated and if that company does rate claims rated elsewhere then .... Consider other options as many insurers do not rate claims already rated elsewhere.
  8. M

    What's the best city / province for insurance career in canada

    @michaelcanter777 Vancouver has great companies like Premier and Forward - and they're amazing, even if they're all underwritten by Lloyds. If you're looking for the real deal HQs for THE BIGS, companies like Definity, Intact/Belaire, Aviva, Allstate/Pembridge, and more then it's time to pack...
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