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12-03-2018, 12:11 PM
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#176 | | Head of HR....have a seat on that couch
Join Date: Jan 2003 Location: Coquitlam
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Thanked 15,598 Times in 4,324 Posts
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I don't think Harvey Specter is powered by parents.
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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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12-03-2018, 12:19 PM
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#177 | | RS has made me the bitter person i am today!
Join Date: Nov 2010 Location: /
Posts: 4,877
Thanked 2,589 Times in 997 Posts
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Anyone here running 3rd party for the optional portion of their insurance?
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2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
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12-03-2018, 12:22 PM
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#178 | | 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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I’m not. Private wanted $300-$450 more than ICBC for the same coverage.
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12-03-2018, 01:28 PM
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#179 | | RS.net, where our google ads make absolutely no sense!
Join Date: Apr 2013 Location: Squamish
Posts: 925
Thanked 2,300 Times in 556 Posts
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Originally Posted by Gerbs  Anyone here running 3rd party for the optional portion of their insurance? | I was on my chevy truck roughly 2014-2017, in 2018 ICBC was the cheaper option. Renewal again on the 16th of Dec, so we'll see what my options are.
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12-03-2018, 08:14 PM
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#180 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,109
Thanked 9,871 Times in 3,926 Posts
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Originally Posted by Gerbs Anyone here running 3rd party for the optional portion of their insurance? | yes
popular ones are bcaa and belair
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12-03-2018, 08:26 PM
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#181 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,454
Thanked 14,908 Times in 3,893 Posts
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I’ll go to bcaa in lansdowne tomorrow after work and get a proper quote over icbc. Renew on the 8th so I’m cutting it close
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12-03-2018, 09:13 PM
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#182 | | what manner of phaggotry is this
Join Date: Nov 2001 Location: Kelownafornia
Posts: 18,285
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Originally Posted by Jmac I’m not. Private wanted $300-$450 more than ICBC for the same coverage. | but... but... i thought icbc was the most expensive ever and we need private here?
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STRENGTHaesthetics | |
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12-04-2018, 08:12 AM
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#183 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,109
Thanked 9,871 Times in 3,926 Posts
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weird...private for just the optional is a few hundred cheaper for me
are you saying the 1.3b 'dumpster fire' is sustainable?
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12-04-2018, 08:28 AM
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#184 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,454
Thanked 14,908 Times in 3,893 Posts
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Everyone is different. Age, where you live, past tickets or accidents, what car you drive. Icbc is pretty predictable with their price but third party insurance is all over the map
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12-04-2018, 09:05 AM
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#185 | | private modder
Join Date: Feb 2002 Location: North Shore
Posts: 6,857
Thanked 2,821 Times in 792 Posts
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I've been shopping for new vehicle replacement insurance. It's surprising how much more expensive the ICBC product is compared to a private insurance company.
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12-04-2018, 09:05 AM
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#186 | | Diagonally parked in a parallel universe
Join Date: Aug 2009 Location: Coquitlam, BC
Posts: 1,445
Thanked 3,066 Times in 548 Posts
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Originally Posted by Gerbs Anyone here running 3rd party for the optional portion of their insurance? | I am, on the bike though.
If i went full ICBC with the bike it would cost me ~$600 more per year
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12-04-2018, 10:09 AM
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#187 | | nuggets mod
Join Date: Feb 2002 Location: richmond
Posts: 7,065
Thanked 3,835 Times in 987 Posts
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If you're under ~30, you probably love ICBC's prices. Private insurance would price you properly according to your actual risk profile as opposed to having older people pay more to subsidize the risk of the 18 year olds.
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I searched for truth, and all I found was You
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12-04-2018, 10:14 AM
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#188 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
Thanked 178 Times in 101 Posts
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Originally Posted by Eff-1 I've been shopping for new vehicle replacement insurance. It's surprising how much more expensive the ICBC product is compared to a private insurance company. | Totally. The icbc replacement cost way more than the private ones. The private companies provide more options and perks in the prices. The private replacement offers a longer term vs Icbc’s 3 year only.
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REVscene.net
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12-04-2018, 10:24 AM
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#189 | | My dinner reheated before my turbo spooled
Join Date: Oct 2002 Location: vancouver
Posts: 1,766
Thanked 640 Times in 242 Posts
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Originally Posted by Eff-1 I've been shopping for new vehicle replacement insurance. It's surprising how much more expensive the ICBC product is compared to a private insurance company. | IF you get into an accident and you have collision with ICBC and replacement policy with them its very straight forward how it works
IF you have an aftermarket policy you might have a headache on your hands
Obviously there is many variables, when i purchased my wifes vehicle we went with the ICBC because i know the headaches
Also take note that if the person is pushing the aftermarket policy read how much they will directly make if you sign the paperwork they usually pocket $300-$550 and much less with icbc
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12-04-2018, 10:47 AM
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#190 | | 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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Originally Posted by freakshow If you're under ~30, you probably love ICBC's prices. Private insurance would price you properly according to your actual risk profile as opposed to having older people pay more to subsidize the risk of the 18 year olds. | I’m 35 with no accidents, tickets, etc and private is way more for my BMW 325. When I was driving my Civic and younger, it was slightly cheaper with private (about $30).
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12-04-2018, 10:52 AM
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#191 | | private modder
Join Date: Feb 2002 Location: North Shore
Posts: 6,857
Thanked 2,821 Times in 792 Posts
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Originally Posted by VR6GTI IF you get into an accident and you have collision with ICBC and replacement policy with them its very straight forward how it works
IF you have an aftermarket policy you might have a headache on your hands
Obviously there is many variables, when i purchased my wifes vehicle we went with the ICBC because i know the headaches
Also take note that if the person is pushing the aftermarket policy read how much they will directly make if you sign the paperwork they usually pocket $300-$550 and much less with icbc | I agree, it is often easier to deal with one party (ICBC). However the reviews I have read about the 3rd party company all have been positive/straightforward.
People make commission no matter what. I try not to let that influence my purchase decisions. I'll buy whatever I think is best for me.
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12-04-2018, 11:01 AM
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#192 | | Orgasm Donor & Alatar owned my ass twice!
Join Date: Aug 2007 Location: Paradise, BC
Posts: 6,969
Thanked 6,702 Times in 2,705 Posts
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Originally Posted by freakshow If you're under ~30, you probably love ICBC's prices. Private insurance would price you properly according to your actual risk profile as opposed to having older people pay more to subsidize the risk of the 18 year olds. | I have 25+ yrs of Canadian driving experience, no at fault accidents in the last 10+ years (if not 15+?), currently enjoying max ICBC discounts, and Belair Direct quoted me ~$400 more for less coverage on my daily. It was actually quite funny because I obtained an online quote from Belair, saw their number was higher, and didn't give anymore thoughts to it. But then a few days later, one of their agents called to follow up. When I politely told him their policy was more expensive than ICBC's by a few hundred dollars, there was this awkward moment of silence from the other end before he went back to his standard pleasantries and we ended the conversation.
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12-04-2018, 11:35 AM
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#193 | | private modder
Join Date: Feb 2002 Location: North Shore
Posts: 6,857
Thanked 2,821 Times in 792 Posts
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Originally Posted by Edison_Chen Totally. The icbc replacement cost way more than the private ones. The private companies provide more options and perks in the prices. The private replacement offers a longer term vs Icbc’s 3 year only. | This is true but I found the additional perks added quite a bit to the total premium. I also didn't see a need to purchase a term longer than 3 years. I felt the biggest insurable risk is losing a significant amount of depreciation in the first 3 years. Everything else I thought was a money-maker for the insurer and didn't seem worth it if you are planning to keep the car over very a long term.
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12-04-2018, 12:05 PM
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#194 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,574
Thanked 3,782 Times in 1,345 Posts
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Originally Posted by Eff-1 This is true but I found the additional perks added quite a bit to the total premium. I also didn't see a need to purchase a term longer than 3 years. I felt the biggest insurable risk is losing a significant amount of depreciation in the first 3 years. Everything else I thought was a money-maker for the insurer and didn't seem worth it if you are planning to keep the car over very a long term. | How do you feel about that coverage? I've never gotten it, I debated getting it on my latest truck (2018) but I'm not sure if it's worth it. I feel that if I get it and I happen to get in a bad accident the insurance company would spend 35 grand fixing my truck if it was cheaper than replacing it. If that's the case I don't want to be driving around in a vehicle that had that much damage. I paid cash for my truck and don't owe anything so that's what swayed me against getting it.
Maybe I'm wrong and they don't pull that shit? Is there something in the underwriting that prevents it?
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“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa | |
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12-04-2018, 12:51 PM
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#195 | | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Mar 2005 Location: Vancouver
Posts: 1,896
Thanked 5,014 Times in 1,137 Posts
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i bought the ICBC 3 year replacement plan on a mazda3 I wrote off at the 2.5 year mark. Car was probably worth 10k on a good day. received a cheque the day after the accident for almost 30k.
ICBC might be junk for everything else - but this was the best policy I ever bought. To be fair I don't know if the 3rd party policy would have paid out as well or as quick.
I'll reiterate my standard ICBC rant here. Let me buy a package that covers my liability, and separate packages for each of my cars. It's a complete scam that I'm forced to buy duplicate policies for myself for each car I own.
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Originally Posted by westopher replace that wood for who gets producer the wood. | | |
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12-04-2018, 01:08 PM
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#196 | | I *Fwap* *Fwap* *Fwap* to RS
Join Date: Mar 2011 Location: NYC
Posts: 1,573
Thanked 1,494 Times in 532 Posts
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Originally Posted by freakshow If you're under ~30, you probably love ICBC's prices. Private insurance would price you properly according to your actual risk profile as opposed to having older people pay more to subsidize the risk of the 18 year olds. | +1 on this.
Private: 18 y/o in GTA (~6600) OR +$900 on parents insurance OR sign waiver that you won't drive parents' car, 45+ y/o in GTA (~1300)
ICBC: 18 y/o in GVA (~3400), 45+ y/o in GVA (~2200)
Vehicle costs and risk profiles similar between the two provinces. TL/Accord, and RDX/Veracruz.
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12-04-2018, 03:57 PM
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#197 | | private modder
Join Date: Feb 2002 Location: North Shore
Posts: 6,857
Thanked 2,821 Times in 792 Posts
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Originally Posted by quasi How do you feel about that coverage? I've never gotten it, I debated getting it on my latest truck (2018) but I'm not sure if it's worth it. I feel that if I get it and I happen to get in a bad accident the insurance company would spend 35 grand fixing my truck if it was cheaper than replacing it. If that's the case I don't want to be driving around in a vehicle that had that much damage. I paid cash for my truck and don't owe anything so that's what swayed me against getting it.
Maybe I'm wrong and they don't pull that shit? Is there something in the underwriting that prevents it? | So far I feel ok. Prvate insurance comes with lots of extra fees that I hate.
There was a "referral fee" on top of the premium that amounted to almost 30% of the total cost, simply just for administration.
One advantage you might like with the ICBC coverage is the threshold for declaring a total loss is if the cost of repairs exceeds only 50% of the market value of the vehicle. The private insurance doesn't do that.
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12-04-2018, 04:41 PM
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#198 | | I'm invisible
Join Date: Jun 2002 Location: 604 Vancouver
Posts: 4,458
Thanked 178 Times in 101 Posts
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The threshold applies only on NVR+ and only applicable on the first 2 model years. It’s more than the regular Replacement cost... I believe the regular threshold is around 70-80%.
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REVscene.net
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12-04-2018, 07:52 PM
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#199 | | WOAH! i think Vtec just kicked in!
Join Date: Sep 2008 Location: Van
Posts: 1,664
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Originally Posted by 320icar I’ll go to bcaa in lansdowne tomorrow after work and get a proper quote over icbc. Renew on the 8th so I’m cutting it close | How was it? I am guessing your Focus RS would cost less to insure from BCAA than from ICBC.
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12-04-2018, 08:11 PM
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#200 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,454
Thanked 14,908 Times in 3,893 Posts
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Originally Posted by cococly How was it? I am guessing your Focus RS would cost less to insure from BCAA than from ICBC. | Didn’t make it out today. Just found out my mom needs surgery this weekend so I came home and made a huge pot of chilli after work that way my dad doesn’t need to worry about food this weekend
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