Quote:
Originally Posted by 68style
It's great for people who have no claims history and no ticket history... but get a ticket (even just ONE ticket!) or have an affinity for auto-cross or a particularly rare and valuable type of vehicle and you're at the mercy of them deciding they just don't want to sell you a policy anymore. Do some research on it in the USA how companies spy on their customers to see if they are doing risky stuff like auto-cross (Wooo! So risky!) or modifying their vehicles in any way and then blacklisting them.
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I've mentioned these example in other threads, but I'll say them again because things like this are a big reason I like having ICBC. In Oregon an insurance company found out that a guy did a rally cross event with one of his cars. They then cancelled the policy for that car, his daily driver, his wifes car, and their house. In Quebec a buddy spent ages trying to be able to drive his RHD car when he moved there for work because no insurance company wanted to cover it.
Personally I'm willing to pay a little extra to know I'm not going to have to deal with bullshit like that, or having to spend a bunch of time comparing insurers to make sure there isn't some fine print that lets them weasel out of paying a claim. And like westopher I'll pay a little extra now knowing that the same system made it so I could actually afford to drive when I was a broke teenager.