| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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01-23-2018, 12:04 AM
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#1 | | I Will not Admit my Addiction to RS
Join Date: May 2014 Location: Home*
Posts: 513
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| Icbc 2nd car insurance
So I bought a second car.
On my first car I have 43 % discount. So why is that my second car I only get 25% (so I'm paying more for 2nd car that is older, smaller engine than 1st, much cheaper to replace (even with only liability insurance)).
Not like my driving gets shittier when I'm driving the 2nd car.
That on top, that I can drive one car at a time.
Fcuk icbc
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01-23-2018, 12:06 AM
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#2 |
Join Date: Apr 2006 Location: Burnaby
Posts: 3,931
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when is the last time you had an at-fault claim?
call icbc if your record is clean
__________________ Quote:
Originally Posted by jasonturbo  Too bad it isn't about flipping cars to lose money, I'm really good at that. | Quote:
Originally Posted by SkunkWorks This wouldn't happen if you didn't drive a peasant car like an Audi... | Quote:
[14-05, 14:59] FastAnna You tiny bra wearing, gigantic son of a bitch
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Originally Posted by westopher I'd probably blow someone for that 911 | | |
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01-23-2018, 12:12 AM
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#3 | | MOD
Join Date: Oct 2002 Location: VANCOUVER
Posts: 26,849
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Did you get into an accident recently? You might of moved down a few steps if icbc found you at fault.
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01-23-2018, 12:25 AM
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#4 | | I Will not Admit my Addiction to RS
Join Date: May 2014 Location: Home*
Posts: 513
Thanked 387 Times in 128 Posts
Failed 21 Times in 14 Posts
| Quote:
Originally Posted by Gh0stRider Did you get into an accident recently? You might of moved down a few steps if icbc found you at fault. | Haven't had any in recent years. . Guess will call them
So discount on both cars should be same? Right?
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01-23-2018, 12:51 AM
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#5 | | Even when im right, revscene.net is still right!
Join Date: May 2002 Location: vancouver
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The first car usually gets the rape charge if you got in an accident and thr 2nd car gets max discount. Unless you put someone else as primary driver on the second car which could decrease the discount depending on how long they had their license or if they had an accident.
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01-23-2018, 01:33 AM
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#6 | | Need my Daily Fix of RS
Join Date: Apr 2011 Location: van
Posts: 258
Thanked 211 Times in 37 Posts
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Both my cars have 43%... wonder why yours is not the same..
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01-23-2018, 09:22 AM
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#7 | | RS Veteran
Join Date: Nov 2001 Location: An Island
Posts: 14,400
Thanked 5,024 Times in 1,083 Posts
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Yes you can have a different discount amount on two different cars.
At 16 I had an at fault accident on my father's car at a time when I did not own nor have a car insured. Shortly after I purchased and insured a car. The claim continued to be attached to my father's car (plate) so it did not affect my discount.
Fast forward to years later and my father finally disposed of the plates that had the claim attached. It was now a hanging claim between myself and my father.
Because I was the next to get insurance by purchasing a second car with new plates, the claim attached to my new plates which lowered my discount on that second car I purchased.
__________________
Victoria Car Assessments - Condition assessments (test drive, photos, deficiencies and summary). RS member references available. IG @touringteg
1998 Acura Integra Type R #0635
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01-23-2018, 12:14 PM
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#8 | | I Will not Admit my Addiction to RS
Join Date: May 2014 Location: Home*
Posts: 513
Thanked 387 Times in 128 Posts
Failed 21 Times in 14 Posts
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called in icbc
issue...them not giving me out of province discount on this plate. icbc will send me a refund chq and give me 40% at renewal.''
i still think it should be cheaper as i can only drive 1 car at a time. why liability x 2? just should maintain storage/hit and run and comprehensive on other..
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01-23-2018, 12:41 PM
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#9 | | Rs has made me the woman i am today!
Join Date: Jun 2002 Location: Vancouver
Posts: 4,461
Thanked 1,276 Times in 308 Posts
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| Quote:
Originally Posted by TouringTeg Yes you can have a different discount amount on two different cars.
At 16 I had an at fault accident on my father's car at a time when I did not own nor have a car insured. Shortly after I purchased and insured a car. The claim continued to be attached to my father's car (plate) so it did not affect my discount.
Fast forward to years later and my father finally disposed of the plates that had the claim attached. It was now a hanging claim between myself and my father.
Because I was the next to get insurance by purchasing a second car with new plates, the claim attached to my new plates which lowered my discount on that second car I purchased. | Yup, same thing happened to me when I had an accident with my mom's car when I was 16. Got hit with this surprise increase when I bought a second car like 10 years later.
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01-23-2018, 12:52 PM
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#10 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Mar 2005 Location: Vancouver
Posts: 1,896
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| Quote:
Originally Posted by Rallydrv i still think it should be cheaper as i can only drive 1 car at a time. why liability x 2? just should maintain storage/hit and run and comprehensive on other.. | welcome to ICBC 
Easily my top pet peeve.
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01-23-2018, 03:19 PM
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#11 | | Even when im right, revscene.net is still right!
Join Date: Feb 2005 Location: VEGAS
Posts: 1,387
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Off topic. I just came from an auto plan and saved $3xx
Because there's this discount where. Everyone in your household has more then 10 years driving experience.
Don't forget to add that to yours. If you qualify .
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01-24-2018, 02:04 AM
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#12 | | Captain Happy Bubble is my Homeboy
Join Date: Feb 2013 Location: vancouver
Posts: 300
Thanked 225 Times in 79 Posts
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I wish you could pay for coverage for both cars but really only pay for one it's not like you're driving both cars at the same time.
Needless to say I have 43% on one car and on the second car I have a little better discount as I have 10 yrs driving xp so far 0 at fault accidents. Some really close calls sometimes I'm amazed at my own reflexes
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