Author Topic: The Personal Insurance Co in Ontario giving 5% discount if you have snow tires (Read 1533 times)

tpl · « **on:** January 30, 2009, 02:46:34 pm »

I am with The Personal as I get a group deal as a CGI retiree and just heard about this from an ex colleague. Called them and its straight on the policy as of now.

Every little helps.

Does any other Ont Insurance Co do this? Anybody know?

TopGun · « **Reply #1 on:** January 30, 2009, 03:26:35 pm »

Good call on their part...not sure...I'll give the co-operators a buzz.

locutusx · « **Reply #2 on:** January 30, 2009, 03:45:47 pm »

Bel Air Direct I believe.

jamie1 · « **Reply #3 on:** January 30, 2009, 07:38:49 pm »

Thats a good idea. Will have to find out if AMA will do that. As tpl said,every bit helps.

wing · « **Reply #4 on:** January 30, 2009, 10:09:08 pm »

I've heard nothing but bad about the personal if you ever claim.

mar1990 · « **Reply #5 on:** January 30, 2009, 10:28:34 pm »

Quote from: wing on January 30, 2009, 10:09:08 pm

I've heard nothing but bad about the personal if you ever claim.

We had 3 not at fault claims with the Personal about 10 years ago. All within 2 years and all on the same car. The 3rd collision was a write off. It was a 12 year old celebrity. I think we got $1300 for it. Or maybe it was for the giant magnet in it. Our rates never went up.

locutusx · « **Reply #6 on:** January 30, 2009, 11:07:38 pm »

Quote from: wing on January 30, 2009, 10:09:08 pm

I've heard nothing but bad about the personal if you ever claim.

the only one i heard bad things about was "Bel Air Direct" - which is a discount insurance company targeted at students and young people (IMO). ThePersonal is a group insurance company, offered to people who work for companies like CGI, BMO, etc. it can't be that bad!

vdk · « **Reply #7 on:** January 31, 2009, 01:39:54 am »

Belair is targeted at young ppl... best quote a yr ago.. now it's far off..

Desjardins also offer the discount.

tpl · « **Reply #8 on:** January 31, 2009, 05:45:22 am »

Quote from: vdk on January 31, 2009, 01:39:54 am

Belair is targeted at young ppl... best quote a yr ago.. now it's far off..

Desjardins also offer the discount.

I have a suspicion that The Personal and Desjardins are associated somehow.

inco · « **Reply #9 on:** January 31, 2009, 07:23:13 am »

Nice touch but how do they really know if you have snow tires? Do they inspect your car with the tires on?

Sounds like an automatic thingy in that they trust you. But maybe they also require you to leave them on all year round!

I'll bet that some people will ignore putting them on but claim the discount especially if there isn't any inspection.

tpl · « **Reply #10 on:** January 31, 2009, 07:53:08 am »

Quote from: inco on January 31, 2009, 07:23:13 am

Nice touch but how do they really know if you have snow tires? Do they inspect your car with the tires on?

Sounds like an automatic thingy in that they trust you. But maybe they also require you to leave them on all year round! I'll bet that some people will ignore putting them on but claim the discount especially if there isn't any inspection.

I asked the csr that. He said that they assume people will be honest about that. I asked if their adjuster would take a look if there was a claim and he suggested that they could well do so.

I was quite willing to send him the receipts for the tires. had he wanted them.

blur911 · « **Reply #11 on:** January 31, 2009, 10:57:50 am »

Quote from: locutusx on January 30, 2009, 11:07:38 pm

Quote from: wing on January 30, 2009, 10:09:08 pm
I've heard nothing but bad about the personal if you ever claim.

the only one i heard bad things about was "Bel Air Direct" - which is a discount insurance company targeted at students and young people (IMO). ThePersonal is a group insurance company, offered to people who work for companies like CGI, BMO, etc. it can't be that bad!

We have Belair as our group plan at work, checked with them and their rates were not great. As "The Personal" has stated that they will cancel insurance on any car used for legal CASC events I don't even bother checking with them.

vdk · « **Reply #12 on:** January 31, 2009, 12:00:29 pm »

Quote from: tpl on January 31, 2009, 05:45:22 am

Quote from: vdk on January 31, 2009, 01:39:54 am
Belair is targeted at young ppl... best quote a yr ago.. now it's far off..

Desjardins also offer the discount.

I have a suspicion that The Personal and Desjardins are associated somehow.

I thought belair is part of ING

locutusx · « **Reply #13 on:** January 31, 2009, 12:23:35 pm »

Quote from: inco on January 31, 2009, 07:23:13 am

Nice touch but how do they really know if you have snow tires? Do they inspect your car with the tires on?

Sounds like an automatic thingy in that they trust you. But maybe they also require you to leave them on all year round! I'll bet that some people will ignore putting them on but claim the discount especially if there isn't any inspection.

everything about my auto insurance plan involves them "trusting me" as far as i can tell. since rates vary depending on how much you drive per year, I told them 6000km due to public transit. they asked for no proof. likewise they slightly varied rates depending on whether i parked on-street or in a parking garage and again, they asked for no proof.

Cord · « **Reply #14 on:** January 31, 2009, 12:37:48 pm »

Having proof will only matter if you try to make a claim. They're an insurance company. They don't care about your safety, they care about the likelihood of them paying out on a claim. Good luck with any of your coverage if the car is towed in with all-season tires after you told them it had winters.

tpl · « **Reply #15 on:** January 31, 2009, 01:32:04 pm »

Quote from: blur911 on January 31, 2009, 10:57:50 am

Quote from: locutusx on January 30, 2009, 11:07:38 pm
Quote from: wing on January 30, 2009, 10:09:08 pm
I've heard nothing but bad about the personal if you ever claim.

the only one i heard bad things about was "Bel Air Direct" - which is a discount insurance company targeted at students and young people (IMO). ThePersonal is a group insurance company, offered to people who work for companies like CGI, BMO, etc. it can't be that bad!

We have Belair as our group plan at work, checked with them and their rates were not great. As "The Personal" has stated that they will cancel insurance on any car used for legal CASC events I don't even bother checking with them.

My gripw about The Personal is with their home insurance. They will not insure houses with Aluminium wiring unless one gets an ESA inspection and certificate to say it is safe. being anti knob and Tube I understand but any Aluminium wired house that hasn't burnt down by now probably wont.

articsteve · « **Reply #16 on:** January 31, 2009, 01:54:23 pm »

They will not insure houses with Aluminium wiring unless one gets an ESA inspection and certificate to say it is safe.

That's pretty standard stuff nowadays. Same goes for places that have 60 amp service.

articsteve · « **Reply #17 on:** January 31, 2009, 01:57:15 pm »

everything about my auto insurance plan involves them "trusting me" as far as i can tell.

They trust no one. Like Cord days they nail you on the claims side.

The Underwriting side of a INS. CO. is the good cop. The Claims side is the bad cop.

dr_spock · « **Reply #18 on:** January 31, 2009, 03:30:46 pm »

Quote from: tpl on January 31, 2009, 01:32:04 pm

My gripw about The Personal is with their home insurance. They will not insure houses with Aluminium wiring unless one gets an ESA inspection and certificate to say it is safe. being anti knob and Tube I understand but any Aluminium wired house that hasn't burnt down by now probably wont.

There is always that risk. I wouldn't buy an aluminum wired home. It is a real pain to have to rebuild after a fire.

barrie1 · « **Reply #19 on:** January 31, 2009, 07:34:13 pm »

I already knew about the aluminum wiring problems when I rewired my home 2 years ago as i only had 2 that were which we replaced. made sure my insurance Co knew at the time that I had updated all my hydro to a 200Ampt service with a Generator hookin Panel as well. You will not be covered for useing a Gen unless you use the correct service panel for it to be used properly with in the event of a fire. Too many folks use the electric dryer inlet as the power source in which to supply the Gen power and endup hurting someone working on the line as it leaks out unless you throw the switch on your Panel to completely off. I believe the aluminum wiring has to be declared when selling a home in Ont as I would definitely offer less for the home in order to cover the cost of the new wiring.