Has anyone dealt with Hagerty through an claim? I'm considering switching to them for my car purely for the agreed value option, as ICBC only considers it to be worth $500.

Curious about the Hagerty restrictions you encountered?

Yup. I had a battery fire in the '58 this summer. Damaged the rear seat frame (melted a spring out of it), the padding, seat cover, and smoke damaged the headliner. Headliner is the worst part, as it's basically a $2500+ job. Wasn't going to claim it, happened to tell a VW buddy at Hagerty about it, got a phone call shortly after asking me to go and get quote for repairs. Added the cost of finding a replacement seat frame (can only buy used.) Everything covered, no increase in my annual insurance costs. Hagerty cuts me a cheque, and I can either pay a shop to repair it, or do the work myself, or split it however I like. In my case, a shop will do the headliner, and I'll repair the rest. Essentially I am paid to do the work on my car myself.

I have LOTS of clients who have had claims with Hagerty, every single one of them has been well taken care of. I literally could regale you with claim stories from start of dinner through to "should have gone to bed an hour ago."

I can't find the e-mail where they sent me a list of restrictions, but basically, the gist of it was it could only be driven at certain hours of the day (WTF?!) couldn't exceed 'X' number of mileage in a given month or year, could only take it out to car meets and cruises twice a year (another WTF) and other odds and ends, and things like having to have the car parked with no car cover and all that jazz. The list goes on, particularly when it comes to what is actually covered, their definitions of "accident" and all that, I started to have second thoughts. I thought I was going crazy, but I phoned their care centre, and they confirmed to me everything I just listed (and then some.) After having learned all that, I decided the restrictions just weren't worth the savings as I wanted to have the ability to drive my car, rather than let it sit as a garage queen. I hope I'm really wrong about Hagerty as I've only heard great things about them, but the shopping experience here in Toronto was just awful. When compared to Intact, the difference was only $300, and I was allowed to drive the car however I liked.

Has anybody insured multiple cars since Sept? Now that they register each driver per car, you would think if I'm the only driver and I insure 3 cars I can only drive one at a time. The second and third should be very cheap?

Thoughts on this?

I doubt ICBC has made any changes in that regard. Although private insurers typically do offer discounts if you have multiple vehicles.

I much prefer the USA approach where the car is just licensed all the time and the driver has insurance. Much better for people who have multiple cars.

It makes complete sense to do it that way too, you cannot drive more than 1 car at a time so why force people with multiple vehicles to insure all the vehicles as if it can be driven when any other one is already in use.

That makes way more sense. You can have a license, but can’t drive without your own personal insurance. I like it. Doesn’t matter who drives your car if they are insured.

How do they deal with the fact that different vehicles would have different rates though?

If I recall correctly, your personal rate is determined by what cars you own, so it's factored in.

Again it's a private model so new drivers and people with tickets or problems pay out the nose... it's only perfect record longer term drivers who never do anything questionable (including amateur racing) that win in these scenarios...

I just know for myself it's super lame that to drive my 68 Mustang for example, I would have to go buy a day permit or 3 months insurance and plate it, etc... so inefficient and cumbersome... it should just be plated all the time and if I drive it, it's just part of my portfolio. UK does things this way as well. The cool side effect of it, particularly in the UK, is that the plates stay with the car when you sell it... so you can actually find your old car again years down the road by looking up the number plate.

Likewise in USA whenever you buy a car down there, the plates stay with the vehicle... obviously if you change states you gotta change plates, but I feel like it should be that way here too. Cut down on unnecessary transactions at autoplan agents where someone is turning plates in and cancelling their coverage and then someone else is getting brand new plates issued and buying coverage.

I think that varies state-to-state. I know California has this weird thing where you don't have to put on plates for 90 days after you get a vehicle, and it takes 2 weeks to a month just to get them. I'm not sure what Washington does but when I was down there last a buttload of vehicles just had temp plates in the rear window. In my mind having loads of vehicles running around with no identification on them seems pretty stupid.

I believe the no-plate rule in California is changing where you need a printed of temporary registration stuck to the vehicle from the dealership or DMV, but it's not in full force yet.

I think it goes up to 180 days, but that's because the process is difficult as you said.

This is why Steve Jobs famously bought a new car (the same car lol) every 6 months just so he wouldn't have plates on his car.

https://autoweek.com/article/wait-th...ery-six-months

I think this might have been mentioned.

Is their an allowance for a unlisted household member to be able to drive my vehicle

12 days a year or less

Same as before no discount.

My insurance is going up from $1555 to $2236 on my Focus ST! I've had 28 years of coverage with ICBC and my first and only claim was 3 years ago when I backed into a pole while reversing and dented my trunk lid (different car at the time). Under the old system my rates remained the same and I was able to keep my 40% discount so I filed the claim. The new system only looks at the previous 3 years. My 25 claim free years doesn't count for anything. So frustrating!

insurance was only $681 for you? Wouldn't that pole claim be under comprehensive or does play a bigger factor into the premiums now

Just edited to read "up from $1555", not "up $1555"

screw bcaa, just renewed my ins. icbc ins went up only 2-4%(which is standard increase) , bcaa is jacking 10% on optional. wtf, i ask them what is the reasoning-justification behind the increase, when even icbc isn't going up that much. well they have non.

ended up going to sussex for optional. was only $5xx (same options as bcaa) compared to $800 w/ bcaa and $1000 with icbc.

seems like if u stay w/ same insurer for long they just jack up rates for no reason, just cause they have u already, and not new business.

^who's the provider for the optional?

https://www.cbc.ca/news/canada/toron...ario-1.5458360

so private insurance eh?

guess everywhere insurance rates r going up. home /auto. makes me think underwriters are just spreading $ they have been forking out for all the natural disasters etc.

+1 who's underwriting sussex that's only running 1/2 of what icbc is charging?

Even with southern Ontario's rampant level of insurance fraud, they still pay less than here.

This is incorrect, according to ICBC, the 12 days a year or less does not apply to household members. https://www.icbc.com/insurance/produ...rotection.aspx

"It's important to list household members, employees or others who will drive your car, as they are excluded from Unlisted Driver Protection. That means if they aren't listed on your policy and cause a crash in your car, the financial consequence could apply."