Vehicle insurance PROBLEMS in Alberta/Superintendent of Insurace Phone #

[Grael]

I'm 17, and pay $1400 a year for 1 vehicle with basic coverage. It does not even matter how old the vehicle is, my '73 VW camper --> $1400/year, '99 VW Jetta TDI --> $1400/year.

[oliver90owner]

Yeah, they are setting your rate because of the likely third party payout.

That is a good rate if it is a comprehensive policy.  It will come down in real terms if there are no claims.......and you get older....

Regards, RAB

[abbamovers]

I'm 17, and pay $1400 a year for 1 vehicle with basic coverage. It does not even matter how old the vehicle is, my '73 VW camper --> $1400/year, '99 VW Jetta TDI --> $1400/year.

Ah, middle of nowhere, be glad you do live in the MIDDLE OF NOWHERE.
Come to the other great big cities of Canada where there is no socialist Gov't Insurance program , like Toronto, and you will
easily pay 6-7 times that amount.
If you are under your parents insurance, that is living in their domicile, then that is not a bad rate.
If your are living on your own then that is a truly a good bargoon.
In 1978 the best rate I got at your age was $ 350.00/year living on my own driving a crap box BMC Austin Mini, with only PL & PD,and comprehensive capped at $250,000.
Today it is still a crap box Geo Metro, with only PL & PD, no fire, no theft and no collision capped at $ 2 mil. and for that I get the previlege of paying capitalist rates of $ 1100/year in good ole T.O.
And that was the same for the 84 Benz or the 99 Geo.
I'm luckier with the Silver Plan for my "classic" Mgb and Tr8 far cheaper but mucho restrictions.
So count your blessings, there are worse places to be.

.

[rcavictim]

I'm 17, and pay $1400 a year for 1 vehicle with basic coverage. It does not even matter how old the vehicle is, my '73 VW camper --> $1400/year, '99 VW Jetta TDI --> $1400/year.

Ah, middle of nowhere, be glad you do live in the MIDDLE OF NOWHERE.
Come to the other great big cities of Canada where there is no socialist Gov't Insurance program , like Toronto, and you will
easily pay 6-7 times that amount.
If you are under your parents insurance, that is living in their domicile, then that is not a bad rate.
If your are living on your own then that is a truly a good bargoon.
In 1978 the best rate I got at your age was $ 350.00/year living on my own driving a crap box BMC Austin Mini, with only PL & PD,and comprehensive capped at $250,000.
Today it is still a crap box Geo Metro, with only PL & PD, no fire, no theft and no collision capped at $ 2 mil. and for that I get the previlege of paying capitalist rates of $ 1100/year in good ole T.O.
And that was the same for the 84 Benz or the 99 Geo.
I'm luckier with the Silver Plan for my "classic" Mgb and Tr8 far cheaper but mucho restrictions.
So count your blessings, there are worse places to be.

.

abbamovers,

How many trips does it take to relocate an aging Swedish rock group, and I presume all their stage gear, in a Geo Metro?  Must be a full time job!  How'd you get the gig?   

[dieseldave]

Another thing that you tell the insurance companies is this: If they ask if the vehicle is modified in any way,SAY NO!  My Isuzu Elf has no modifications anyway,but I did mention I was going to install a veg system(dual fuel) and they FREAKED OUT!

These people are all IDIOTS!  WVO is less explosive than Diesel Fuel.   95% of the vehicles on the road are powered with GASOLINE,and that is a fuel you don't want to F*** WITH!

[Doug]

98% of bankers and layers give the rest a bad name.....

[abbamovers]

abbamovers,

How many trips does it take to relocate an aging Swedish rock group, and I presume all their stage gear, in a Geo Metro?  Must be a full time job!  How'd you get the gig?   

Rca, wish I did have/had that gig , but nay in the Geo. It has a hard enough time pulling two fat guys from my crew.
I work for a moving company with that name.
So , at the end of every job wanting to get paid we do a little jig/dance and hum a couple bars from Momma Mia.
Always good for a tip.
.

[dieseldave]

Actually Doug,what the REAL PROBLEM here is this:  The education system is not doing the job it is intended to do! I am not knocking Teachers.  It is the CURRICULUM(did I spell that right?)  To much influence by BIG BUSINESS. They want to keep the population DUMB,but just smart enough to be 'productive'in the work world.

      Free Manditory Public Education was a great thing when it was introduced in the late 1800's,but it has been corrupted!

      I can't believe this! I just high-jacked my own Thread!
 

[Grael]

Actually Doug,what the REAL PROBLEM here is this:  The education system is not doing the job it is intended to do! I am not knocking Teachers.  It is the CURRICULUM(did I spell that right?)  To much influence by BIG BUSINESS. They want to keep the population DUMB,but just smart enough to be 'productive'in the work world.

      Free Manditory Public Education was a great thing when it was introduced in the late 1800's,but it has been corrupted!

      I can't believe this! I just high-jacked my own Thread!
 

It's sad but true. I wonder why I get into shit so often questioning things...

[Stan]

Actually Dave...the real problem isn't the educational system, or the curriculum, it's the pervasive cultural characteristic of "half assed is good enough".  I've seen it in the school system sure, but I've also seen it in the legal system, the medical system, even the government.

When I burned out a wheel bearing on a john deere bailer, I drove 50 miles to town and returned with a new one only to find it was the wrong size.  Took off the other side since it was still good and took it back to town for a replacement, brought it back and then had 2 wrong sized ones.  Didn't look different but they were.  Loaded up the baler on the goose neck and took it back to town and backed it up against the front door of the dealer so the doors wouldn't open on a busy saturday afternoon.  When the owner came roaring out I sat down with him in his office and explained my 250 mile "quest" for a proper bearing and he told me he had been having trouble with his parts people figuring "half assed was good enough".  He got his mechanics to replace both bearings for me free and gave me a gas fill up for my trouble.

Half assed is good enough employees cost him big time.  It's not a system failure, it's a social characteristic.  What causes it?  My best guess is the earth's orbit passed through the debris of a comet's tail sometime around 1985 and infected most of the population of earth with "half assed is good enoughitis" from alien bacteria. 

Stan

[DaveW]

  Stan - That rings a bell.  Brand new John Deere bailer, two rounds and it wasn't working right.  Took it back to the barn, and after tear down found the culprit.  The wire guide assemblies had been oversprayed with paint, or maybe dipped in it, until the rollers wouldn't turn.  The wire was grooving the rollers instead of turning them.  So back to town, got new parts, rebuilt the assemblies, and returned to the field.  All this with hay on the ground and rain threatening.  The dealer's response?  Well maybe he could knock something off the price of the parts.  My brother's response? Well maybe he could save $14,000 and get his trade in bailer back.  If we have to work on a bailer to make hay, it might as well be one he knows. 

[dieseldave]

   What really P***ES me off is a piece of machinery,or whatever that you pay good money for,and find out that the MULTINATIONAL that builds the things packs bearings or whatever with a CHEAP GREASE.

   I watch this stuff and usually relube everything with a High Melting Point Moly Grease from a reputable manufacturer like Ams Oil or eqivalent.  Stuff can last a long time with the right lubrication.

                                           HALF-ASSED GREASE IS NOT GOOD ENOUGH!

[dpollo]

When our local school district was searching for Mission Statements, I suggested, " Striving for greater levels of mediocrity."

 Strangely enough, it was rejected.   Glad I took early retirement and went back to Farming. I feel ten years younger and when my output is mediocre, I have only myself and the  weather to blame.   As for insurance companies, they seem to have their hands even deeper in my pocket this year.     dp

[dieseldave]

Went for a haircut and was telling the hairdresser(barber) about my issue insuring the Elf. She is having a problem with her house insurance. It seems that ins.co. wont renew her house insurance,UNLESS she insures her vehicles with them! I told her that an insurance co. cannot do this either,thats also ILLEGAL.

Her quote for insurance for her vehicles is $500 more than what she is already paying!  Once again,out comes the phone # for the Superintendent of Insurance for Alberta.    1-780-415-1159.

The next haircut might be FREE!  I have written 'letters to the editor' of both newspapers in Edmonton about my hassle. I got emails back stating that 'Your story has no value to the public as there are probably only a few of these trucks in Edmonton' My Truck is not the point,the point is how insurance companies think that they can get away with illegal things!  I have absolutely no regard for the Press or the Media.

[Grael]

Went for a haircut and was telling the hairdresser(barber) about my issue insuring the Elf. She is having a problem with her house insurance. It seems that ins.co. wont renew her house insurance,UNLESS she insures her vehicles with them! I told her that an insurance co. cannot do this either,thats also ILLEGAL.

Her quote for insurance for her vehicles is $500 more than what she is already paying!  Once again,out comes the phone # for the Superintendent of Insurance for Alberta.    1-780-415-1159.

The next haircut might be FREE!  I have written 'letters to the editor' of both newspapers in Edmonton about my hassle. I got emails back stating that 'Your story has no value to the public as there are probably only a few of these trucks in Edmonton' My Truck is not the point,the point is how insurance companies think that they can get away with illegal things!  I have absolutely no regard for the Press or the Media.

Dave, do you go to the office in Sherwood Park?