Topic: Canadian Forces Auto Insurance

[jerv41]

I recently read on DND that we qualify for home and auto insurance.

http://www.cfpsa.com/en/CANEX/services_e/insurance_e.html

Anyone use the CF auto insurance provider?

If so, is it worth it?

[scoutfinch]

These policies are underwritten by The Personal. 

In my opinion, this company has a good claims record.  I would have no problem taking out a policy with The Personal.  But like anything else, you get what you pay for.

[Macey]

Let's just say Olga Chekhova is an expert in this field.

[oozieman]

I have used the Personal for about 15 years and have had nothing but great service from them and believe me I had to use them on several occasions

[Freddy G]

I don't know about their claims, but being in the "discriminated against" group (men under 25), The Personal gave me one of the highest quotes I received. I don't have the exact numbers, but it was around 4000$ per year; the insurance I ended up getting was 2500$ with the same deductible, etc.


Unless their claims record is somehow spotless and they give you a new car within 15 minutes of you having an accident... shop around, you'll get a much better deal.

[scoutfinch]

FreddyG:

Underwriting and claims are two different things.  You obviously know nothing about either other than your personal experience. 

Kindly stay in your lane.

[BestodaBest]

I have a couple friends in the CF who are currently insured by the Personal, and they've had nothing but good things to say about them. They shopped around, and the Personal beat quite a few other company's by a decent about, in terms of annual payments. I've had a quote done myself, and im thinking about switching from my current company.

[Freddy G]

FreddyG:

Underwriting and claims are two different things.  You obviously know nothing about either other than your personal experience. 

Kindly stay in your lane.

You obviously didn't read my post. I said they might be good on the claims side, but they charge too much compared to other insurers. Kindly stop antagonizing me by twisting my words and personally attacking me.

Most drivers I know personally, who are in the military, have avoided The Personal because almost all of them are men under 25, and they got better deals elsewhere.

[jerv41]

lol....i did the quote....for a $2000 car they want to charge me 4000$ a year......doesn't it just suck being a 16 year old

[Macey]

You obviously didn't read my post. I said they might be good on the claims side, but they charge too much compared to other insurers. Kindly stop antagonizing me by twisting my words and personally attacking me.

Most drivers I know personally, who are in the military, have avoided The Personal because almost all of them are men under 25, and they got better deals elsewhere.

Not to stir the pot. But I did save when I switched to Personal. House and auto for me.

[retiredgrunt45]

Ah the young driver and insurance, my 21 year old daughter just shopped around for insurance and of all the companies the personal gave her the best quote. Something to do with having a DDC course and having being taught how to drive by a professional driving school. I taught our oldest how to drive and I swore i wouldn't do the same with our younger one, so we enrolled her in drivers-Ed in her last two years of high school. Now its paying of with cheaper insurance rates for her.

 Young males between the ages of 18 and 26 always have the highest premiums.

 I have used the personal over the past 15 years since our return from Germany in 92 for my vehicles and they are by far the cheapest. I have had 2 accidents and have nothing but wonderful things to say about the way my claims were handled. Courteous, expedient, and very friendly. And not to mention, when you hit 45 with a good driving record, how your rates drop like a stone.

[Good2Golf]

Home and Auto with the Personal, best rates around for a mid-age guy with clean driving record, DDC and drivers ed course on record.  Also experienced v.good settling of claims (others at fault in all cases) for both my wife and me.

2 more ¢

G2G

[youravatar]

They also had good rates for a friend of mine, and he was in the so called "discriminated group". He payed $80/month on his MX-6.

[BestodaBest]

They also had good rates for a friend of mine, and he was in the so called "discriminated group". He payed $80/month on his MX-6.

Sorry Avatar,

But i gotta call b/s on this one... there's no way in heck your friend is only paying $80/month for his MX-6... especially if he's in the "discriminated group". You might wanna recheck those figures with your buddy.

[Freddy G]

Sorry Avatar,

But i gotta call b/s on this one... there's no way in heck your friend is only paying $80/month for his MX-6... especially if he's in the "discriminated group". You might wanna recheck those figures with your buddy.

The only way someone could pay so little is if they insure one-way (not sure what the English term is; basically your insurance would only cover the other driver's car, and you have to pay for the repairs on your own vehicle).

[youravatar]

Well yea. The policy was bare bones, but still, that's what he said he was paying.

[BestodaBest]

that just seems rediculously under-priced...but if it happens to be true, thats pretty awesome. And i think the term is "Liability" or "Collateral"... somethin like that, lol...

[youravatar]

Is it not deductable?

[Good2Golf]

That doesn't seem unreasonable...I'm paying $85/month for a 540i 4.0L 6-sp with $500 deductible and $2M 3rd party....sure I'm out of the "threat band" now, but my rates weren't much worse when I was in the "heavy duty discrimination zone"...

G2G

[Not_So_Arty_Newbie]

and keep in mind the "discriminated group" isn't done so without statistics to back it up, the most "at risk" drivers in this country are in the 19-24 age group, just out of high school, allowed to drink, buy a car with too much engine and so on. (18 in some provinces) I know I did at that age (aside from the booze and driving part) however there are some provinces (BC for example) where having dangly bits means squat. Graduated licensing has done away with it, a brand-new driver pays the same rate whether 19 or 50 (dependant on where in the province you live, they have regional rate codes) Until of course they flip they're mazarati with 5 people in it doing 150 in a 80 and kill all 5. Please take this with a grain of salt from a guy whose first ever insurance payment was higher than his car payment (without accidents)

[Kirsten Luomala]

I tried the personnal when moved to NB 4 years ago.  At that time I was 34 yr old female with 2 vehicles and only 1 accident.  No tickets nothing else.  The personnal want over $5000 per year.  The company we went with only charged us $1600 per year and gives us great coverage. (it was the same company as when we had our accident and at that time gave us excellent support).  I've owned vehicles since '92 always while in the military and have found the personnal NOT to be the best provider.  But that is just my experience.  Not saying they are a bad company or the worst rates.  Just for me, I would never use them.
Kirsten

[PMedMoe]

And not to mention, when you hit 45 with a good driving record, how your rates drop like a stone.

Oh goody, only three more years.....

I have used The Personal ever since 1997 when I purchased my first car (in Canada).  At the time, I was 32 and The Co-Operators insurance wanted to charge me $3200/year like a brand new driver since I had never been insured under my own name (only under my ex-husband's).  I went through the Personal who contacted my former insurance agent and got the info required to give me the insurance rate more suitable to my driving record/experience.  Not to mention, you don't have to change companies when moving province to province (as you would if you are insured with a local company).  On my one and only claim, I had no problems and because it was a hit and run and investigated by police, my premiums did not increase.

[Jager]

I'm currently with State Farm paying $88.16 (1060 Per year aprox) per month for full comprehensive coverage (as required by my car loan) on a 2007 Nissan Titan King Cab....... And I'm 21 Years old, and have been driving since 16 (full license, Alberta....). I just called the Personal, and they quoted me 946 and change (78-80$/month aprox) per year, so not much of a savings, but amazing since I'm in the 'zone'.... Though no speeding tickets, etc.

[Rheostatic]

I've been insured with The Personal for three years now. When I was shopping for insurance I was under 25, and the rate I got with The Personal was significantly less than the quotes I got from every other provider.

[UK2CA]

I'm scratching my head here - why is the insurance in Canada is so expensive?

Without wishing to generalise, your roads are a decent size, most vehicles are auto and the streets aren't gridlocked with traffic - as low a risk of accidents as you could get as far as I can see. 

Here in the UK the roads are half the size and driving is like Wacky Races, i.e. traffic is horrendous.  I drive what would be considered the equivalent of a Dodge Caravan and I pay the equivalent of C$450 a year for full cover with a deductable of CS300.

I guess I've got a shock coming if and when I get there.....lol 

[CDN Aviator]

I guess I've got a shock coming if and when I get there.....lol 

Wait until you try and get a mobile phone here......

[NFLD Sapper]

At least the price of gas (petrol) won't be a shock (or will it?).

[bradlupa]

Yes but we have people that like to get into accidents and for some reason if your under 25 your rates are higher, because you are more likely to get into an accident.

Not that the insurance companies discriminate or anything

[Bzzliteyr]

Right before I joined the military, I was 17, living in Montreal and had a "sport" car (91 Chevy Turbo Sprint).  I remember paying about $8000 for the car and about $4000 for the first year's insurance!!

It's just a fact the insurance companies can't deny, youger people have more accidents.  Montrealers have more chance of accidents/theft, etc..

It's crap but that's the way things go!!

[UK2CA]

Wait until you try and get a mobile phone here......

You're not joking - I never did get used to having to lose minutes/credit just to receive a call. Mobile's are one thing the UK does seem competitive. I have a monthly rolling contract on an iPhone which gives me 600mins/1,200 texts/unlimited internet for C$37 a month. 

At least the price of gas (petrol) won't be a shock (or will it?).

What is the gas price now - I think when I left in Aug last year it was around C$1 a litre?  It's been creeping up here for the last couple of months; unleaded is now running at around C$1.95! 

[NFLD Sapper]

Here in Oromocto, New Brunswick it is running at around $1.045/L for regular unleaded

[George Wallace]

$0.916 for Regular in Ontario.

Also, Canadian gas has less octane.  In Europe Regular is usually around 92, Mid Grade 94 to 96, and Super 98.  Here we are looking at Regular being 82 to 85, Mid Grade 87, and Super 92.

I also found that in Germany, Super and Mid Grade, although different Octane levels, were identically priced.

[UK2CA]

$0.916 for Regular in Ontario.

Also, Canadian gas has less octane.  In Europe Regular is usually around 92, Mid Grade 94 to 96, and Super 98.  Here we are looking at Regular being 82 to 85, Mid Grade 87, and Super 92.

I also found that in Germany, Super and Mid Grade, although different Octane levels, were identically priced.

I spent 7 yrs in Germany and noticed the same, although the price wasn't really an issue if you were UK forces - we were allowed to buy a limited amount of concessionary fuel coupons each month which meant we only paid about a 1/3 of the pump price. 

Unlike the rest of Europe, the UK only has 2 unleaded fuels. Ordinary unleaded is 95 RON and Super unleaded is 98 RON.

$0.916 for Regular in Ontario seems pretty good from what I remember. The fuel in the UK would be nearer that price if it wasn't for the fact that the government fuel tax accounts for approx 80% of each litre.  We also have to pay road tax (similar to your licence plate sticker) each year. The tax is based on exhaust emissions - even on a pretty clean/small engined car it still costs C$295 a year. The 'gas guzzlers' who drive 4X4s, sports cars etc have to pay as much as C$750. 

Rule Britannia......all those taxes and yet we're still firmly on target to have the worst deficit (14% GDP) in the industrialised world. 

[bradlupa]

Just got a quote on insurance. For 2 vehicles fully insured $2200/year I currently pay around $2300 plus my insurance policy is due at end of Aug

[Eye In The Sky]

I have our cars insured thru The Personal.  I have found their service excellent (sales and claims both).

My wife drives a 2008 Mazda 3 GX Hatchback, I have a 2000 VW Jetta GLS TDI.  Our policy is just under $150 a month for full coverage w/ $100 deductible on comprehensive.  I also have our tenants insurnace thru them, at about $240 a year.  All said and done, I believe my payments for the whole kit-and-kaboodle is $174.68. 

My only bad point with them is they give you a discount on Home insurance if your Auto insurance is with them, but not for Tenants insurance.  That makes NO sense to me be, it is what it is.

All in all, I am saving about $30 a month with the combined auto policy from what we were paying before. 

[BinRat55]

I'm posted (next week actually) to New Brunswick. I've been with a company on the rock now for the past three years. The first year I shopped around and went with the best rate - 140 a month (home and auto combined). Every year, a month prior to expiry, I shop around again. I got a little lower rate, but not enough to jump ship. Now I have to as I am with a strictly NL carrier. I went with the Personal - they cut my insurance in half - home and auto - standard home (nothing special) and both of us on a 2009 Sonata Sports Edition - 70 a month. Can't complain there, can I?

[gcclarke]

I'm posted (next week actually) to New Brunswick. I've been with a company on the rock now for the past three years. The first year I shopped around and went with the best rate - 140 a month (home and auto combined). Every year, a month prior to expiry, I shop around again. I got a little lower rate, but not enough to jump ship. Now I have to as I am with a strictly NL carrier. I went with the Personal - they cut my insurance in half - home and auto - standard home (nothing special) and both of us on a 2009 Sonata Sports Edition - 70 a month. Can't complain there, can I?

By shopping around and finding that of all the possible insurers, the one you're planning to go for is a good 50% cheaper than the one you might have otherwise gone for? Yeah, I'd suggest not bitching about that.