Rochie wrote:

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Hutchys

you must have been with Lant, everybody is going through the same thing

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 Yep, ever since Haggarty bought them out seems it's going up. I've got a quote from another co. for my 2 cars & as soon as Lant's policy runs out, I'm gone!!!! 64 has doubled [stock] & 52 is way too much[ modified]!!!!

Well i think you have to drive it more to get your moneys worth!!! i usually put 7000 mi on the 64 /summer But this yr. was way down due to health reasons & 52 being the 2nd. car!!!

I have been with the same company since I was 18.....I am 60 now....They better not put my rates up.....too much anyways

anyone know where a teen can insure his car for a decent amount(im talking classic car) i want to buy a 79 trans am, but any classic car insurance i find is for 25 and older. im 17.

timbowuff wrote:

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anyone know where a teen can insure his car for a decent amount(im talking classic car) i want to buy a 79 trans am, but any classic car insurance i find is for 25 and older. im 17.

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 A Firebird is considerd a sports car, insurance will kill you.....Look for something like a Nova, bascally the same frame and drivetrain, but since its an economy car, insurance is much cheaper

Try 'Crossland' in London or 'Zehr 'in New Hamburg.Never Lant.

timbowuff wrote:

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anyone know where a teen can insure his car for a decent amount(im talking classic car) i want to buy a 79 trans am, but any classic car insurance i find is for 25 and older. im 17.

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 Seems there are quite a few of us in this situation... Someone has to be willing to take us on.. How else are the planning on have a client base years from now if they turn us all down? Do they not see if we took the time to save up, buy, fix and or resotre a car or truck that we MIGHT just MIGHT  care about it enough not to be an ass with it  

Any suggestions on who may be willing to give us a break would be greatly appreciated.

I have been with Echelon now for a while. There modified rates are not bad and like previously stated very few restrictions. There was a broker out of London that was at the Perfromance World show in the spring that was a few dollars cheaper. I decided to stay with Echelon just because it would of been a hassle getting all my cars appraised again. See if your broker deals with Echelon if not P.M me and I will forward my brokers name and #

275 monthly while driving and 20 a month for theft and fire for winter. I don't know the exact mileage per year but I told them I live in Havelock and work in Brampton 3-5 days a week. Also Its a daily summer vehicle. I pay a little less for my winter beater cherokee. Its through a broker but the insurance company is Intact. If you can get your adress anywhere away from a city your rate will drop drastically. I was quoted just under 500 month with a Brampton adress.

-- Edited by scott420p on Thursday 25th of October 2012 05:39:44 PM

-- Edited by scott420p on Thursday 25th of October 2012 05:47:33 PM

how long have you been licensed? 275???? thats amazing! or is that a typo? lol i would be happy if i could get something under a grand if i could go like 5000km a year... and thats your only vehicle? how often you drive, how much and whatnot? thanks

I would have classic car insurance but every one I tried has to many restrictions for me to drive as a daily.

  Lant Brokers on the apraised value of my Acadian $143

NOVACLONE wrote:

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  Lant Brokers on the apraised value of my Acadian $143

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 Thats what I "WAS" paying on 64 appr. at $20,000 it went up to over $200 + this past yr.{'ve got 2 quote from Comp. in Lindsay [classic or Vintage,] can't remeber name but both the 64 Catalina & the 52  were "WAY cheaper or should I say "less expensive" than Lant & coverage was more!!! Most of the restrictions are "mainl" you can't drive it to work,or use it as a "daily " driver!!! Through the summer ,if you want to take a wknd. away, theres "allways" a cruise in or show somewhere "near" where your at!! {hint hint, wink wink, for ins. purposes]

Dan, you left off the Doughnut part in "Flyin ____ at a Doughnut!!!!! & Yep I'll be doing the same,just before the policy expires with Lant's!!!! Even with the 2 appr. it' will still be less$$$$$$

Personally I think there is alot of great insurance companies in this province. Most have been mentioned here. I agree Lant is not for everyone any more but, some of there restrictions are unbeatable. Especially for Modified cars built in the 90`s or guys with previous claims.

Just make sure they provide a legitamate OPCF 19a ....
The Difference between Ontario Policy Change Form 19 and 19A:

OPCF 19 "Actual Cash Value":
O.P.C.F. #19 Actual Cash Value. Limiting the Amount Paid for Loss or Damage Coverage. This form limits the amount payable to the actual cash value or the amount stated on the form, whichever is less. ACTUAL CASH VALUE is the market trend and depreciation value combined limiting the amount paid by the insurance company.
OPCF 19A "Agreed Value":

O.P.C.F. #19A Agreed Value of Automobiles. This form provides coverage for an automobile on a stated value basis. Professional appraisals are required to substantiate the value as per rules of FINANCIAL SERVICES COMMISSION OF ONTARIO. You are not eligible for a 19A in Ontario without a licensed appraisal.

-- Edited by Auto Appraiser on Thursday 2nd of May 2013 11:55:43 PM

i went through all this insurance crap some years ago with the harley. T-D bought the company i was with and the prices went up--up--up. here we go again with haggerty buying lant.

this is another good reason to be on a local site. most everyone is on the same page.

Well I am with lant I just renewed for $225 for the 68 chevelle Modified and appraised at $35000. and for the 56 nomad I pay $325 with a $45000 appraised .

both have 5000 mile a year max set but my broker told me just drive it and with the few days of nice weather and 2 cars I never even come close to the max miles

I insure my buick as a regular car, no restrictions no mileage limits.  its about 600 a year, if you have to worry about a few extra bucks ride a bike or walk

AVIVA is another one when you put in a claim will out right lie to you . When you call them on it they will make up a new one. If you deal with them you better have a strong heart and long fuse. last dealings I had with them it took 3 months for a cut and dry simple claim. They lost and lost large by dragging it out. Id say 99% would of caved long before or buy into one of their Liam Lie's.

-- Edited by slim on Monday 1st of July 2013 12:38:30 PM

I'm not going to defend Hagarty on their agreed value but the policy I had with them was OPCF19a, so whether they would pay the full policy amount in the event of a total loss is to be seen, like most insurance companies they have an army of lawyers. FYI, I was an appraiser for 22 years, when Hagerty came to Canada with their agreed value, I shut the business doors. Keep in mind guys Crosslands and Zehr are simply brokers, not the insurance company. They both sell insurance for RSA.

-- Edited by oldkoot on Wednesday 10th of July 2013 10:42:48 PM

When I needed to insure the 32 I called my insurance guy who has always been great with great prices.We have two regular cars and have two kids 21 with a g2 and 16 with a g1 and we pay about 1400 a year for both.We also have our house with them for about 400 a year.Anyway when it came time to insure the 32 I never asked for a price but I wanted it insured for 100 grand,he said no problem all he needed was so receipts that would equal that price and I wouldn't need an appraisal so I brought them a armful and I was covered.He called later with a price of just over 1800,I thought that was high but I let it go.It was about a week later I was talking to vintage at the toronto show and he had a price with same coverage for a little over 700 dollars.I had a buyer for the car so I just left it.I never had a claim so I can't say good or bad.After bringing this up with my broker he said Hagerty was the only company they could deal with something about some rules.They sent a lot of good info online and provided a roll back in case I needed a tow but now that the car is sold I think I'll do a little better checking around for my next ride.

 

  Randy

 

 

OPCF 19 "Actual Cash Value":
O.P.C.F. #19 Actual Cash Value. Limiting the Amount Paid for Loss or Damage Coverage. This form limits the amount payable to the actual cash value or the amount stated on the form, whichever is less. ACTUAL CASH VALUE is the market trend and depreciation value combined limiting the amount paid by the insurance company.
OPCF 19A "Agreed Value":

O.P.C.F. #19A Agreed Value of Automobiles. This form provides coverage for an automobile on a stated value basis. Professional appraisals are required to substantiate the value as per rules of FINANCIAL SERVICES COMMISSION OF ONTARIO. You are not eligible for a 19A in Ontario without a licensed appraisal.


I even have confirmation from Brad May of the Financial Services Commission of Ontario. That if Hagerty is issuing OPCF19a's without Appraisals the will be charged under the Commissions law... So please E-Mail me your agreement where it says you are covered under and OPCF 19a. bryan@classicandrod.com

I just got off the phone with Lant and was told nothing has changed with my coverage other that it ALMOST DOUBLING from $133 to $250. I was told it is still based on the OPCF19a "Agreed Value" based on my appraisal.

I'll be shopping around next year.

Oh, buy the way, some people have suggested Echelon as they have no restrictions! I called them and they told me I can only use my truck for please use and no driving to work or parking in parking lots unless there happens to be a car show on at the time! Do your research guys so your not left with no coverage. I have no found an Insurance company that allow unrestricted driving under a modified vehicle policy with the OPCF 19a coverage.

If there is one out there please let me know!!!!!!!

Yeah, that's $250 a year for my $12,000 truck with the regular restrictions (pleasure use only, no parking lots, etc, etc.). I'd rather pay $600 (with the OPCF 19a) for the 9 months of the year I drive it with NO reastrictions.