Canadian Insurance

[JACKSMYDOG]

More specifically you must mean an insurer in Ontario. Out here in Saskatchewan they don’t question anything or inspect it once it’s insured in the province initially. I could Coyote swap it, lift it 12” and put 40’s on my truck and it wouldn’t affect my coverage.

They didn't inspect or question mine, I told them. If I hadn't, they wouldn't know, and wouldn't have threatened to drop me.

They had no problem with lift under 4 inches, over 4 inches was a deal breaker too.

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[D Fresh]

Why you made the changes is irrelevant. They have a list of "performance" parts that void your coverage. "I put a Coyote in for the imrpoved sound and added a super charger for the look" doesn't cut it.


I called almost every provider in Ontario, none would take my Ranger with CAI and MagnoFlo exhaust. I even asked about higher premiums, or if I got it appraised. Flat out 'no', with no discussion to be had.


Having worked in the auto body repair business, and then in the towing industry, I have seen how devious the auto insurance business is. They would absolutely try to deny a small claim, then cancel your coverage as well. This would also work against you when trying to find more coverage, a cancellation is as bad or worse than a claim here.

If it were a major indecent which you were found at fault, and speed, or aggressive driving were a factor, they'd do a full inspection and you could be liable for the personal injury and associated costs as well.

Removing parts before a claim is predicated on planned claims, and having the opportunity to do work before the adjuster sees the vehicle. In the worst scenarios, you don't have that option and could be looking at millions in damages.

I had mixed emotions about the CAI & exhaust, so I wasn't too upset that I had to remove them. The lost money was a bigger piss off, but lesson learned. Do the research before spending the money.

They didn't inspect or question mine, I told them. If I hadn't, they wouldn't know, and wouldn't have threatened to drop me.

They had no problem with lift under 4 inches, over 4 inches was a deal breaker too.

I guess insurance in Canada is even more of a scam.

How do they get off calling a cat back exhaust that does next to nothing to increase power a performance modification?

And as others have stated what if you only modify the brakes and_or suspension? Making a car handle or stop better definitely improves performance AND safety.

 

[DukeCanBuildit]

To me performance enhancing parts would be Nitro or traction bars with racing slicks along with headers into glass packs.

Simple aftermarket parts are usually what you go to when factory installed rust out or wear out eventually anyways. Even better brakes and rotors are enhancements.

Improved braking? Rick, do you think I’d get a discount?

 

[JHRODD]

Insurance companies also track you on social media so whatever you do don't talk about it on the internet. My insurance company refused to renew my Contractors insurance because they saw things online that they didn't like, such as a picture I posted on Houzz, I believe , where we had lifted a house 18' off the basement slab and put a new first floor under it. I just posted the picture didn't even claim to have designed or general'd the project.

 

[Danager]

I am using Johnson/Unifund. I think they changed or merged recently. My 2021 Ranger Lariat Tremor insurance went down from that of my 2019 Edge SEL.
I know they ask me if it’s been modified for off-road use, which is always a “no”. Have never been asked about performance mods.
And, if I run winter tires, I save $25/year.

 

[JACKSMYDOG]

I guess insurance in Canada is even more of a scam.

How do they get off calling a cat back exhaust that does next to nothing to increase power a performance modification?

And as others have stated what if you only modify the brakes and_or suspension? Making a car handle or stop better definitely improves performance AND safety.

It is absolutely a scam.

I haven't investigated too deeply, but I think anything that increases motor performance is a no-no now. CAI and increased exhaust flow both have slight motor increase. I'm guessing a tune would also not be allowed.

I don't know how brakes would come into play, but suspension their only question was if it was more than 4 inches. No other details mattered,

 

[Dsc]

don't be surprised if this is the insurance industries swing of the cat to try and remove/reduce street racing jackasses from the roads. We all are forced to suffer for the shitheads bad chaices
lord knows we get multiple Mario Andretti's daily clocking over 200kmh on our highways in the Toronto area.

I think you are on the right track with this comment. Has been a lot of media coverage about the street racing around the GTA. Insurers can be looking for a way to get these people off the roads or make them pay higher premiums. They did this to high performance street bikes back about 30 years ago.

 

[NoTacos]

I am in BC and so the basic insurance coverage required is from the provinces own insurance company. I don’t recall them denying insurance when modifications are made (street legal of course). I don’t even think that questions comes up when you buy insurance (not for the 35 odd years I have bought insurance). I think they may limit how much they may cover regrading replacing aftermarket parts and/ or they don’t cover it at all.
you can buy additional insurance coverage from the province or third party insure that may cover it.
But of course this doesn’t help the OP - other than move to BC. There are negatives living out in BC but at least you can insure your ranger with mods. Oh and our hydro costs are a lot more reasonable then Ontario ?

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