| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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05-15-2019, 01:09 PM
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#276 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,111
Thanked 9,871 Times in 3,926 Posts
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bcaa/belair are the bigger ones
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05-15-2019, 09:08 PM
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#277 | | WOAH! i think Vtec just kicked in!
Join Date: Sep 2008 Location: Van
Posts: 1,664
Thanked 413 Times in 101 Posts
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BCAA just raised my FK8 insurance rate by around 15% over last year.
I guess they finally realized this "Civic Hatchback" is not a typical Civic.
At some point in 2018, it was cheaper to insure a 2018 FK8 than a 2014 Mazda3....
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06-11-2019, 01:11 AM
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#278 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,344
Thanked 4,863 Times in 1,664 Posts
Failed 165 Times in 63 Posts
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My insurance renewal papers came in. It says surcharge on the left column and "your cost" on the right column, but I'm at -5?
How can it be a surcharge? Is this a printing error?
Sent from my Pixel XL using Tapatalk
__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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06-11-2019, 03:54 PM
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#279 | | I contribute to threads in the offtopic forum
Join Date: Jul 2009 Location: ur sistrs pants
Posts: 2,656
Thanked 606 Times in 105 Posts
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| Quote:
Originally Posted by BIC_BAWS  My insurance renewal papers came in. It says surcharge on the left column and "your cost" on the right column, but I'm at -5?
How can it be a surcharge? Is this a printing error?
Sent from my Pixel XL using Tapatalk | I just got the same thing and it doesn't make sense to me, someone pls explain
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06-11-2019, 06:23 PM
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#280 | | Rs has made me the woman i am today!
Join Date: Jan 2012 Location: PENIS
Posts: 4,314
Thanked 4,175 Times in 1,314 Posts
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u have a picture of the notice?
__________________ There's a phallic symbol infront of my car Quote: |
MG1: in fact, a new term needs to make its way into the American dictionary. Trump............ he's such a "Trump" = ultimate insult. Like, "yray, you're such a trump."
| bcrdukes yray fucked bcrdukes up the nose
dapperfied yraisis
dapperfied yray so waisis
FastAnna you literally talk out your ass
FastAnna i really cant
FastAnna yray i cant stand you
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06-11-2019, 06:28 PM
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#281 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,344
Thanked 4,863 Times in 1,664 Posts
Failed 165 Times in 63 Posts
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Pic 
Sent from my Pixel XL using Tapatalk
__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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06-11-2019, 07:25 PM
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#282 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
Thanked 5,568 Times in 2,107 Posts
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$3200/year for insurance seems pretty steep to me.
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06-11-2019, 07:42 PM
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#283 | | Rs has made me the woman i am today!
Join Date: Jan 2012 Location: PENIS
Posts: 4,314
Thanked 4,175 Times in 1,314 Posts
Failed 297 Times in 125 Posts
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u got tickets or claims?
__________________ There's a phallic symbol infront of my car Quote: |
MG1: in fact, a new term needs to make its way into the American dictionary. Trump............ he's such a "Trump" = ultimate insult. Like, "yray, you're such a trump."
| bcrdukes yray fucked bcrdukes up the nose
dapperfied yraisis
dapperfied yray so waisis
FastAnna you literally talk out your ass
FastAnna i really cant
FastAnna yray i cant stand you
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06-11-2019, 08:59 PM
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#284 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,344
Thanked 4,863 Times in 1,664 Posts
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No claims, 1 ticket - min. fine for speeding. I'm well under the DPP limit.
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06-11-2019, 09:09 PM
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#285 | | Where's my RS Christmas Lobster?!
Join Date: Apr 2011 Location: Arkhangelsk
Posts: 861
Thanked 360 Times in 142 Posts
Failed 17 Times in 13 Posts
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Hmm looks like ICBC trying to switch to newer format in preparation for new discount system change Sept 1...but doing it wrong lol. 3200 sounds about right assuming u don't have 10y discount
__________________ Inactive '01 Corolla 'Goldfish' - (RIP)
'96 Accord EX 'Aoi' - (Sold)
'98 EJ8 Civic Si 'DatSi' - (Sold)
'11 MKVI Golf 'Dana' - (Sold)
Active: '18 F22 230iX' (DD) Quote:
Originally Posted by Badhobz Don’t you guys dare bid on my gay car. I’ll stab you | | |
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06-11-2019, 09:30 PM
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#286 | | I subscribe to the Fight Club ONLY
Join Date: Aug 2007 Location: Paradise, BC
Posts: 7,046
Thanked 6,793 Times in 2,748 Posts
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| Quote:
Originally Posted by BIC_BAWS My insurance renewal papers came in. It says surcharge on the left column and "your cost" on the right column, but I'm at -5?
How can it be a surcharge? Is this a printing error? | I wouldn't worry about it -- essentially, I think vyrospec is spot on. ICBC is preparing to switch over to the new model where surcharge is the name of the game for bad drivers. Unfortunately, we are still using the CRS right now, and the "surcharge" title just absolutely confuses the heck out of people. 
A family member is recently due for insurance renewal as well, and the same question as asked about this "surcharge". Took me a while before I clued in on what it was supposed to mean. Compared to the previous year's insurance premiums, the family member's charges were only slightly more expensive than the year before, so it was totally inline with the slight hike that ICBC said it was going to do.
But damn... $3200/yr for insurance... For that amount, I think I can insure a new-ish Porsche instead of my pos Japanese econobox...
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06-11-2019, 10:19 PM
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#287 | | I contribute to threads in the offtopic forum
Join Date: Jul 2012 Location: Vancouver
Posts: 2,915
Thanked 4,452 Times in 1,028 Posts
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just got my renewal letter and it looks like BIC_BAWS' as well. Also @ around 3200 
Funny thing is. I got another 5% discount this year but my rate went up $200. Also... found out with the same coverage, a new driver would be paying like $6k to insure a WRX.
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06-11-2019, 10:41 PM
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#288 | | NOOB, Not Quite a Regular!
Join Date: Oct 2016
Posts: 41
Thanked 82 Times in 22 Posts
Failed 1 Time in 1 Post
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Just renewed my insurance today for a year. $1850 with 2mil 3rd party liability, collision, comprehensive, pleasure driving only.
Sent from my Pixel 2 using Tapatalk
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06-12-2019, 05:10 PM
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#289 | | My dinner reheated before my turbo spooled
Join Date: Mar 2011 Location: NYC
Posts: 1,709
Thanked 1,556 Times in 565 Posts
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Have the rate changes taken effect yet?
Friend with a 6MT TL said his rates were right around what he paid last year
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06-12-2019, 05:21 PM
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#290 | | 14 dolla balla aint got nothing on me!
Join Date: Mar 2014 Location: im over here!
Posts: 662
Thanked 365 Times in 175 Posts
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Originally Posted by Jmac $3200/year for insurance seems pretty steep to me. | 
I agree!
I'm paying 1529 for mine with a 43% discount, and I'm still pissed!
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06-12-2019, 07:30 PM
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#291 | | Rs has made me the woman i am today!
Join Date: Apr 2007 Location: Langley
Posts: 4,116
Thanked 3,400 Times in 1,289 Posts
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Went up a couple hundred a year for my 2014 FX4, up to $2460 for 2 mil /500 /300 /43% discount.
Had to get rid of my less than 15km to work since moving so that didn't help.
Private insurance would have been about a hundred bucks more, this truck life is starting to suck lol.
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08-13-2019, 04:56 PM
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#292 | | Even when im right, revscene.net is still right!
Join Date: Jun 2003 Location: Vancouver
Posts: 1,308
Thanked 390 Times in 164 Posts
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How on earth, with 43% discount I'm shocked what it costs to insure a beater. Some would say more than the car's worth. For my beater, collision and comp are only a combined $122 I thought about going without but for just $10 a month it's worth it.
$1994 civic coupe EX
$2mil/$500/$300 to from work over 15 kms is $1711 per year.
2005 Nissan Pathfinder, $2 mil/$500/$300 pleasure use $1670.
my 2009 suburban 2500 3/4 ton, I insured this one before last May
$3mil/$300/$300 to from work over 15 kms is $1891 per year.
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08-13-2019, 06:00 PM
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#293 | | My dinner reheated before my turbo spooled
Join Date: Oct 2002 Location: vancouver
Posts: 1,766
Thanked 640 Times in 242 Posts
Failed 12 Times in 9 Posts
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I wouldn’t bother with collision on the coupe and pathfinder
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08-13-2019, 07:45 PM
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#294 | | Even when im right, revscene.net is still right!
Join Date: Jun 2003 Location: Vancouver
Posts: 1,308
Thanked 390 Times in 164 Posts
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Originally Posted by VR6GTI I wouldn’t bother with collision on the coupe and pathfinder | I thought that initially myself, until I saw it was just an extra $54 a year to add it to the civic. Pathfinder is $140, I’ll think about that one.
Upon further inspection, wtf is the annual license fee? What a scam. They were talking about icbc having highest rates in N America on the news tonight, just terrible.
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08-14-2019, 12:48 AM
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#295 | | Willing to sell body for a few minutes on RS
Join Date: Aug 2004 Location: Duncan, BC
Posts: 10,127
Thanked 5,568 Times in 2,107 Posts
Failed 231 Times in 90 Posts
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Originally Posted by GIZZ I thought that initially myself, until I saw it was just an extra $54 a year to add it to the civic. Pathfinder is $140, I’ll think about that one.
Upon further inspection, wtf is the annual license fee? What a scam. They were talking about icbc having highest rates in N America on the news tonight, just terrible. | Up until Christy decided to raid ICBC’s coffers and sell the province out to the Chinese, we had the 3rd lowest rates in the country ... less than 10 years ago ...
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08-14-2019, 07:37 AM
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#296 | | I contribute to threads in the offtopic forum
Join Date: Feb 2004 Location: New West
Posts: 2,844
Thanked 718 Times in 250 Posts
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I renewed last month under the old system and my price was also about $3200 per year. I have mine for work use with max discount though and no recent tickets. (last ticket was a few years ago for doing 20 over the speed limit).
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08-20-2019, 11:54 PM
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#297 | | Head of HR....have a seat on that couch
Join Date: Jan 2003 Location: Coquitlam
Posts: 21,878
Thanked 15,606 Times in 4,325 Posts
Failed 284 Times in 130 Posts
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So they ditched the Claim Rated Scale and are now using what they call a Driver Factor. https://www.icbc.com/insurance/costs...er-factor.aspx
They don't show what your discount is going to be or how the come up with your actual number.
For example, my driver factor is 0.528. I've been driving over 25 years and haven't had an at-fault claim in over 20 years. How the hell do I know where I fall, in relation to other drivers? Under the CRS system, I was basically maxed out (-21). Now I have no clue.
__________________ feedback
Originally posted by v.b.
can we stop, my pussy hurts...
Originally posted by asian_XL
fliptuner, I am gonna grab ur dick and pee in your face, then rub shit all over my face...:lol
Originally posted by Fei-Ji
haha i can taste the cum in my mouth
Originally posted by FastAnna
when I was 13 I wanted to be a video hoe so bad RSUV #7 | |
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08-21-2019, 12:19 AM
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#298 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,344
Thanked 4,863 Times in 1,664 Posts
Failed 165 Times in 63 Posts
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Well you're better off than me. Apparently they measure driving experience now as: "Your BC driving experience is calculated from the date you were first issued a BC non-learner licence."
4 years driving experience
No at fault claims (paid off)
1 ticket - 146.5 Speed Against Area Sign (was minimum ticket iirc)
0.886
How is this listing drivers thing gonna work if say you're drunk and you get a friend to drive your car? Or if you're letting someone test drive your car if you're selling?
__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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08-21-2019, 12:30 AM
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#299 | | Head of HR....have a seat on that couch
Join Date: Jan 2003 Location: Coquitlam
Posts: 21,878
Thanked 15,606 Times in 4,325 Posts
Failed 284 Times in 130 Posts
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__________________ feedback
Originally posted by v.b.
can we stop, my pussy hurts...
Originally posted by asian_XL
fliptuner, I am gonna grab ur dick and pee in your face, then rub shit all over my face...:lol
Originally posted by Fei-Ji
haha i can taste the cum in my mouth
Originally posted by FastAnna
when I was 13 I wanted to be a video hoe so bad RSUV #7 | |
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08-21-2019, 12:43 AM
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#300 | | Rs has made me the woman i am today!
Join Date: Apr 2013 Location: revscene
Posts: 4,344
Thanked 4,863 Times in 1,664 Posts
Failed 165 Times in 63 Posts
| Quote: |
So, starting September 1, claim repayment is only possible if the claim amount is $2,000 or less.$
| So basically you can't, considering a minor fender bender on a bumper already costs >$3K
Sent from my Pixel XL using Tapatalk
__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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