| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
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04-24-2020, 01:05 PM
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#726 | | Performance Moderator
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| Quote:
Originally Posted by Teriyaki  Wonder what'll happen if/when people cancel their insurance but still park them on the street. Then something happens to their car... | You can’t do that, it’s the same as driving with no insurance, any car without insurance must be off of public roads.
Bylaws will fine it every day and notify police, police will ticket it $600 for no insurance and have it towed/impounded.
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04-24-2020, 01:13 PM
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#727 | | RS.net, where our google ads make absolutely no sense!
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Originally Posted by TouringTeg I'm sure a lot of people like me cancelled their insurance weeks ago and already paid the cancellation fee. Thanks ICBC. | Did you have to give up your plates too?
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04-24-2020, 01:22 PM
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#728 | | Willing to sell body for a few minutes on RS
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You’re required to have insurance to park on the street.
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05-30-2020, 12:42 PM
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#729 | | RS.net, where our google ads make absolutely no sense!
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Can Anyone chime in if a leased Toyota can be renewed with just ICBC storage insurance?
Sent from my SM-A505W using Tapatalk
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05-30-2020, 05:48 PM
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#730 | | Willing to sell body for a few minutes on RS
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Originally Posted by matrixfwd Can Anyone chime in if a leased Toyota can be renewed with just ICBC storage insurance?
Sent from my SM-A505W using Tapatalk | It would depend on the terms of your lease agreement.
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05-30-2020, 06:28 PM
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#731 | | RS Veteran
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Originally Posted by JqC Did you have to give up your plates too? | Yes, you would have to surrender the plates to ICBC if you cancel an active insurance policy.
The only time you can keep your plates is if your insurance policy lapsed/expired, and was not renewed, and you then proceed to get storage insurance. That or the insurance agent was a dummy and doesn't ask you for the old plates when you cancel. (Or you threaten them enough.)  | |
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05-30-2020, 07:08 PM
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#732 | | I'm invisible
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| Quote:
Originally Posted by bcrdukes Yes, you would have to surrender the plates to ICBC if you cancel an active insurance policy.
The only time you can keep your plates is if your insurance policy lapsed/expired, and was not renewed, and you then proceed to get storage insurance. That or the insurance agent was a dummy and doesn't ask you for the old plates when you cancel. (Or you threaten them enough.) | There is an exception to surrendering the plates during the pandemic. Cancellations that were processed after a certain date In April and if the insurance agent selected 0 plates surrendered, when you issue a new policy effective tomorrow for a limited time, you can use the same plates. I heard it’s under their BCP procedures.
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05-30-2020, 07:21 PM
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#733 | | Willing to sell body for a few minutes on RS
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Originally Posted by JqC Did you have to give up your plates too? | Taken from https://www.icbc.com/about-icbc/cont.../covid-19.aspx in the Autoplan insurance section: Quote:
Canceling your policy
If you want to cancel your policy to reduce costs during the pandemic, we've introduced some temporary changes to help.
For all drivers:
The $30 cancellation charge will be waived when you cancel insurance.
The $18 plating fee will be waived when you choose to reinstate an insurance policy on your vehicle.
If you do cancel your policy, please remember to:
Remove your licence plate and store it somewhere safe until you reinstate insurance or it's safe to return the plates to your Autoplan broker.
Park your vehicle off the road.
Call your Autoplan broker about options such as getting a storage policy to ensure your vehicle is protected while it's not in use.
| My interpretation is that you get to keep the plates...
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05-30-2020, 07:35 PM
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#734 | | RS Veteran
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Ah, there you go, guys. Resident insurance expert Edison Chen has chimed in.
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05-31-2020, 12:19 PM
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#735 | | Even when im right, revscene.net is still right!
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| Quote:
Originally Posted by Gumby | The exception being Park plates, those cannot be reused.
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06-01-2020, 12:32 AM
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#736 | | Performance Moderator
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My sister kept her plates when she cancelled BUT they told her she would have to turn them in when she puts insurance back on. You're only keeping them due to virus concerns, can't re-use them again when you put insurance back on.
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06-01-2020, 09:27 AM
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#737 | | RS.net, where our google ads make absolutely no sense!
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Odd. When I cancelled the insurance on my Subaru, turning it to a storage-only policy due to Covid, I kept the plates and was told they would be reactivated when I decided to put the policy back on it.
My guess is that most autoplan agents don't know exactly how its going to work, because ICBC doesn't even really know how it's going to work.
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06-01-2020, 10:36 AM
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#738 | | Performance Moderator
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^ The informedness of autoplan agents varies greatly
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06-01-2020, 10:40 AM
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#739 | | I subscribe to the Fight Club ONLY
Join Date: Aug 2007 Location: Paradise, BC
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| Quote: |
Customers who reinsure May 31st* or thereafter will be able to re-use their plate. Customers reinsuring prior to that date will be issued a new plate at no charge and at that time are expected to surrender their plate.
| https://www.icbc.com/about-icbc/news...020-apr16.aspx
It's disappointing to see agents not knowing what they are talking about.  | 
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06-03-2020, 03:57 PM
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#740 | | Rs has made me the woman i am today!
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Just renewed my insurance on my 2014 F150. 18 years experience no accidents, no tickets, went up $220 from last year. Paying $2720 a year now which is starting to feel like a bit much.
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06-03-2020, 06:54 PM
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#741 | | My dinner reheated before my turbo spooled
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That seems like a lot
Have you tried private insurance?
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06-03-2020, 07:12 PM
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#742 | | Rs has made me the woman i am today!
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I looked into it last year although I only went to one place and it would have been more than ICBC. I'll definitely be shopping around next year to see if anything's changed. Apparently driving a truck means you're death on wheels or something because the agents keep telling me it would be a lot cheaper if I drove a sedan.
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06-03-2020, 08:40 PM
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#743 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
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All trucks are considered commercial vehicles, hence the different plates and higher rates.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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06-04-2020, 03:33 PM
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#744 | | RS has made me the bitter person i am today!
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Originally Posted by underscore All trucks are considered commercial vehicles, hence the different plates and higher rates. | That's not true at all. In what respect is a private truck treated as a commercial vehicle if it's just used for pleasure?
Just because it has a XX-ABCD plate? Lol. That means nothing.
It's just a rate class like anything else. Just means a lot of people in pickups get into accidents, or get them stolen, etc. etc.
Insuring your truck as a commercial vehicle is totally different. That's when you start getting into GVW's, CVIP, and all that stuff. and your premiums totally change.
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06-04-2020, 03:44 PM
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#745 | | I *heart* Revscene.net very Muchie
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i drive an 17 ram 1500...my cousin sold me my latest insurance 2 weeks ago.
apparently trucks like mine have a higher rate due to the amount of damage they can cause....atleast something along those lines
so because i choose to pay more for the vehicle and drive something safe, i have to pay more insurance vs someone that drives a dinky car that will get smushed in an accident
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06-04-2020, 04:09 PM
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#746 | | Willing to sell body for a few minutes on RS
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|  at thinking trucks are safe especially the way many drive them.
They’re held to lower safety standards than other passenger vehicles by NHTSA and Transport Canada.
Also, if the vehicle causes more damage on average, that’s absolutely a valid reason to charge higher premiums. That’s why sports cars generally have higher premiums (more likely to be involved in accidents; more likely to be involved in high speed collisions).
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06-04-2020, 04:16 PM
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#747 | | Rs has made me the woman i am today!
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It just seems ridiculous to be paying more than someone who has less driving experience in a similar priced car. After 18 years of no accidents you'd think you'd be considered fairly low risk yet im paying more than my wife and her Ford Edge with 5 less years experience.
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06-04-2020, 10:19 PM
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#748 | | To me, there is the Internet and there is RS
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Originally Posted by meme405 That's not true at all. In what respect is a private truck treated as a commercial vehicle if it's just used for pleasure? | IIRC it's because contractors weren't insuring their trucks properly. Why would they have commercial plates but not be considered commercial vehicles?
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
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06-04-2020, 10:29 PM
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#749 | | Rs has made me the woman i am today!
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So because some people weren't insuring their trucks as commercial they decided everyone who drives a pickup has to pay commercial rates?
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06-04-2020, 11:16 PM
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#750 | | I WANT MY 10 YEARS BACK FROM RS.net!
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this is why we should stop defending icbc
paying ~10% more when the truck is far from new with almost 2 decades of clean history
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