Topic: Canadian Forces Auto Insurance

[CDN Aviator]

I guess I've got a shock coming if and when I get there.....lol 

Wait until you try and get a mobile phone here......

[NFLD Sapper]

At least the price of gas (petrol) won't be a shock (or will it?).

[bradlupa]

Yes but we have people that like to get into accidents and for some reason if your under 25 your rates are higher, because you are more likely to get into an accident.

Not that the insurance companies discriminate or anything

[Bzzliteyr]

Right before I joined the military, I was 17, living in Montreal and had a "sport" car (91 Chevy Turbo Sprint).  I remember paying about $8000 for the car and about $4000 for the first year's insurance!!

It's just a fact the insurance companies can't deny, youger people have more accidents.  Montrealers have more chance of accidents/theft, etc..

It's crap but that's the way things go!!

[UK2CA]

Wait until you try and get a mobile phone here......

You're not joking - I never did get used to having to lose minutes/credit just to receive a call. Mobile's are one thing the UK does seem competitive. I have a monthly rolling contract on an iPhone which gives me 600mins/1,200 texts/unlimited internet for C$37 a month. 

At least the price of gas (petrol) won't be a shock (or will it?).

What is the gas price now - I think when I left in Aug last year it was around C$1 a litre?  It's been creeping up here for the last couple of months; unleaded is now running at around C$1.95! 

[NFLD Sapper]

Here in Oromocto, New Brunswick it is running at around $1.045/L for regular unleaded

[George Wallace]

$0.916 for Regular in Ontario.

Also, Canadian gas has less octane.  In Europe Regular is usually around 92, Mid Grade 94 to 96, and Super 98.  Here we are looking at Regular being 82 to 85, Mid Grade 87, and Super 92.

I also found that in Germany, Super and Mid Grade, although different Octane levels, were identically priced.

[UK2CA]

$0.916 for Regular in Ontario.

Also, Canadian gas has less octane.  In Europe Regular is usually around 92, Mid Grade 94 to 96, and Super 98.  Here we are looking at Regular being 82 to 85, Mid Grade 87, and Super 92.

I also found that in Germany, Super and Mid Grade, although different Octane levels, were identically priced.

I spent 7 yrs in Germany and noticed the same, although the price wasn't really an issue if you were UK forces - we were allowed to buy a limited amount of concessionary fuel coupons each month which meant we only paid about a 1/3 of the pump price. 

Unlike the rest of Europe, the UK only has 2 unleaded fuels. Ordinary unleaded is 95 RON and Super unleaded is 98 RON.

$0.916 for Regular in Ontario seems pretty good from what I remember. The fuel in the UK would be nearer that price if it wasn't for the fact that the government fuel tax accounts for approx 80% of each litre.  We also have to pay road tax (similar to your licence plate sticker) each year. The tax is based on exhaust emissions - even on a pretty clean/small engined car it still costs C$295 a year. The 'gas guzzlers' who drive 4X4s, sports cars etc have to pay as much as C$750. 

Rule Britannia......all those taxes and yet we're still firmly on target to have the worst deficit (14% GDP) in the industrialised world. 

[bradlupa]

Just got a quote on insurance. For 2 vehicles fully insured $2200/year I currently pay around $2300 plus my insurance policy is due at end of Aug

[Eye In The Sky]

I have our cars insured thru The Personal.  I have found their service excellent (sales and claims both).

My wife drives a 2008 Mazda 3 GX Hatchback, I have a 2000 VW Jetta GLS TDI.  Our policy is just under $150 a month for full coverage w/ $100 deductible on comprehensive.  I also have our tenants insurnace thru them, at about $240 a year.  All said and done, I believe my payments for the whole kit-and-kaboodle is $174.68. 

My only bad point with them is they give you a discount on Home insurance if your Auto insurance is with them, but not for Tenants insurance.  That makes NO sense to me be, it is what it is.

All in all, I am saving about $30 a month with the combined auto policy from what we were paying before. 

[BinRat55]

I'm posted (next week actually) to New Brunswick. I've been with a company on the rock now for the past three years. The first year I shopped around and went with the best rate - 140 a month (home and auto combined). Every year, a month prior to expiry, I shop around again. I got a little lower rate, but not enough to jump ship. Now I have to as I am with a strictly NL carrier. I went with the Personal - they cut my insurance in half - home and auto - standard home (nothing special) and both of us on a 2009 Sonata Sports Edition - 70 a month. Can't complain there, can I?

[gcclarke]

I'm posted (next week actually) to New Brunswick. I've been with a company on the rock now for the past three years. The first year I shopped around and went with the best rate - 140 a month (home and auto combined). Every year, a month prior to expiry, I shop around again. I got a little lower rate, but not enough to jump ship. Now I have to as I am with a strictly NL carrier. I went with the Personal - they cut my insurance in half - home and auto - standard home (nothing special) and both of us on a 2009 Sonata Sports Edition - 70 a month. Can't complain there, can I?

By shopping around and finding that of all the possible insurers, the one you're planning to go for is a good 50% cheaper than the one you might have otherwise gone for? Yeah, I'd suggest not bitching about that.