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Author Topic: Exclusion (Thumbs way way down)  (Read 11805 times)

Offline Fobroader

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Re: Exclusion (Thumbs way way down)
« Reply #20 on: May 16, 2014, 12:29:13 am »
Wow....2100 a year for one car?? Holy crap man....yeah, you are a huge risk to the insurance company, stop speeding and buy a beater.
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Online rrocket

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Re: Exclusion (Thumbs way way down)
« Reply #21 on: May 16, 2014, 12:43:42 am »
Quote from: Fobroader on May 16, 2014, 12:29:13 am
Wow....2100 a year for one car?? Holy crap man....yeah, you are a huge risk to the insurance company, stop speeding and buy a beater.

That's what happens when you don't get a clue after your first speeding ticket....then accident...then another ticket....etc..

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Offline Fobroader

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Re: Exclusion (Thumbs way way down)
« Reply #22 on: May 16, 2014, 12:54:53 am »
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Offline quadzilla

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Re: Exclusion (Thumbs way way down)
« Reply #23 on: May 16, 2014, 07:34:43 am »
Quote from: Fobroader on May 16, 2014, 12:29:13 am
Wow....2100 a year for one car?? Holy crap man....yeah, you are a huge risk to the insurance company, stop speeding and buy a beater.

Considering his record that is a really good rate.
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Offline Snowman

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Re: Exclusion (Thumbs way way down)
« Reply #24 on: May 16, 2014, 07:45:18 am »
Back in 2004ish I got a letter from our insurance company indicating I had 60 days to find another provider due to speeding tickets or sign an exclusion not to drive my WRX  :rofl2: My broker found me another provider but it cost me $3000 for a year  :P
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Offline tpl

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Re: Exclusion (Thumbs way way down)
« Reply #25 on: May 16, 2014, 07:50:51 am »
Quote from: quadzilla on May 16, 2014, 07:34:43 am
Quote from: Fobroader on May 16, 2014, 12:29:13 am
Wow....2100 a year for one car?? Holy crap man....yeah, you are a huge risk to the insurance company, stop speeding and buy a beater.

Considering his record that is a really good rate.
Especially for Toronto itself. ( The real place not just the GTA)

And we don't know the severity of the tickets or the accident.
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Offline tortoise

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Re: Exclusion (Thumbs way way down)
« Reply #26 on: May 16, 2014, 07:51:24 am »
Quote from: rrocket on May 16, 2014, 12:10:06 am

So you got ANOTHER speeding ticket?  So that's 3 in 2 years?

FFS......

Man, why are you guys laying into his driving record.. 3 tickets in two years could be due to excessive speeding through school zones or it could just be $hit luck.  Either way, it's not great but it's not horrible.  I don't get the vilification.
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Offline vwshawn

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Re: Exclusion (Thumbs way way down)
« Reply #27 on: May 16, 2014, 09:03:14 am »
I'm really just looking for some sound advise, not to be punched in the neck. C'mon.

My accident was in 2010, didn't involve another vehicle, and was a stupid claim. I didn't have the cash to cover the damage, so I used my deductible.

My tickets, although stupid, happened. What can you do. One was in 2012, one in 2013 and one just a couple weeks ago.

Regardless, the consensus here is if I call up TD and switch my wife to my policy, her rate will go up??
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Offline Snowman

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Re: Exclusion (Thumbs way way down)
« Reply #28 on: May 16, 2014, 09:03:40 am »
Quote from: tortoise on May 16, 2014, 07:51:24 am
Quote from: rrocket on May 16, 2014, 12:10:06 am

So you got ANOTHER speeding ticket?  So that's 3 in 2 years?

FFS......

Man, why are you guys laying into his driving record.. 3 tickets in two years could be due to excessive speeding through school zones or it could just be $hit luck.  Either way, it's not great but it's not horrible.  I don't get the vilification.

Agreed, I was very unlucky and got 3 tickets in 18 months. Two were radar traps in a OPP honey holes and another while passing a line of cars and transports. 
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Offline aquadorhj

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Re: Exclusion (Thumbs way way down)
« Reply #29 on: May 16, 2014, 09:13:26 am »
Quote from: Snowman on May 16, 2014, 09:03:40 am
Quote from: tortoise on May 16, 2014, 07:51:24 am
Quote from: rrocket on May 16, 2014, 12:10:06 am

So you got ANOTHER speeding ticket?  So that's 3 in 2 years?

FFS......

Man, why are you guys laying into his driving record.. 3 tickets in two years could be due to excessive speeding through school zones or it could just be $hit luck.  Either way, it's not great but it's not horrible.  I don't get the vilification.

Agreed, I was very unlucky and got 3 tickets in 18 months. Two were radar traps in a OPP honey holes and another while passing a line of cars and transports.

i agree about getting the ticket while passing trucks is stupid, but how could you get trapped by honey pots!   :stick:
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Offline mmret

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Re: Exclusion (Thumbs way way down)
« Reply #30 on: May 16, 2014, 09:31:45 am »
Ah....Ontaaaaaaario!!!
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Offline Fobroader

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Re: Exclusion (Thumbs way way down)
« Reply #31 on: May 16, 2014, 10:10:53 am »
Quote from: vwshawn on May 16, 2014, 09:03:14 am
I'm really just looking for some sound advise, not to be punched in the neck. C'mon.

My accident was in 2010, didn't involve another vehicle, and was a stupid claim. I didn't have the cash to cover the damage, so I used my deductible.

My tickets, although stupid, happened. What can you do. One was in 2012, one in 2013 and one just a couple weeks ago.

Regardless, the consensus here is if I call up TD and switch my wife to my policy, her rate will go up??

Since you are a high risk driver, I would try to keep you and your wife as separate as possible.
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Offline vwshawn

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Re: Exclusion (Thumbs way way down)
« Reply #32 on: May 16, 2014, 11:46:45 am »
Hmm....No way around this it seems.
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Offline wing

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Re: Exclusion (Thumbs way way down)
« Reply #33 on: May 16, 2014, 12:03:33 pm »
Sure just pay more $
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Offline vwshawn

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Re: Exclusion (Thumbs way way down)
« Reply #34 on: May 16, 2014, 12:09:10 pm »
I guess there really is No Place Like This. fml.
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Online rrocket

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Re: Exclusion (Thumbs way way down)
« Reply #35 on: May 17, 2014, 05:01:43 am »
No lack of luck involved when you're speeding...you knew you were exceeding the limit. More than once. And didn't learn your lesson.

Because of that, you have to pay the piper now.
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Offline mmret

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Re: Exclusion (Thumbs way way down)
« Reply #36 on: May 17, 2014, 09:40:44 am »
Wait, so is it good for me and my wife to be on the same policy or not? ???

I love how Ontario insurance is so crystal clear in its details. ::)
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Offline ArticSteve

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Re: Exclusion (Thumbs way way down)
« Reply #37 on: May 17, 2014, 09:57:04 am »
Quote from: rrocket on May 17, 2014, 05:01:43 am
No lack of luck involved when you're speeding...you knew you were exceeding the limit. More than once. And didn't learn your lesson.

Because of that, you have to pay the piper now.

 ::)

Other than in town, I exceed the bloody slow speed by 20 everywhere I drive.  The LESSON is the speed limits are ridiculously LOW.  In one horrible day, many moons again, Frank Miller's CONS brought Ontario "highways" from 60 mph to 49.8 mph and 400 series from 70 mph to 62 mph.

The LESSON is we Ontarians are a bunch of LOSERS in that we continually put up with all these outrageous restrictions, the "street racing speed law" being the TOPPER.

In my day, at the same age of the OP, I could have 1 real whopper of an accident and 7 speeders in 3 years and my rate would stayed put.  But look how things have changed. LOSERS  :)
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Offline bugmenot

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Re: Exclusion (Thumbs way way down)
« Reply #38 on: July 22, 2020, 07:39:52 am »
Quote from: rrocket on May 15, 2014, 11:49:36 pm
Quote from: ArticSteve on May 15, 2014, 11:43:03 pm
Why the need to drive the wife's car??



What's wrong with you tonight  ???  :rofl2:     Can't a husband drive his wife's car to gas up, or her funeral  even.   What has this province/country come too.  :P.

 :rofl2: :rofl2:
HAHAHAHA!!  Yea, sure he can.  Was just wondering why it was a "deal breaker" type of thing... :rofl2:

F-you, BTW.... ;D :rofl2:
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