TD just canceled my insurance

[911 Rod]

Get this one.
I just called TD insurance to put on collision so that I can bring my car out of storage.
New policy.
No collision until I get it appraised.
How do I get it in for an appraisal?
Not our problem.
No notice nothing.
Just new policy.

[Oh Haha]

Do you belong to a local PCA? If so, they should be able to direct you to an appraiser. Fuch'em, I say. Go to someone else for insurance!
Looks like it's a good time to shop around.

[Dantilla]

They obviously do not care about you.

I would not want to give them any of my money.

[911 Rod]

I can get an appraisal and probably should.
All I asked was how about temporary collision so I can take it in.
They hung me out to dry with no notice.

[defcon65]

Shop around. Some insurance companies will say just about anything to get you out of their risk pool for whatever reason they can rationalize. Find an agent who works for a company that wants to write you the policy you need, not just take your money and jack you with exclusions. They are out there but I'm not naming names.

[911 Rod]

Now I'm really worried about driver's ed.

[twobone]

Don't feel alone - I'm a senior manager for TD Bank (a sister company) and they gave me a hard time on the same issue - I had to get an appraisal done.

As an aside, I tried to shop around and most companied will not insure cars older than an 86'. I think that the insurance industry has given up on classic cars.

Contact: Bruce.Farrow@pcaucr.org - He is the appraisals chair for our PCA chapter.

I had my car appraised for a couple of hundred bucks.

Best of luck

[KNS]

This could work out in a good way too. It stinks that they have treated you this way but if the car is appraised at $15,000 (or whatever), then they can't try to total it out for a lower figure. They insisted that you get it appraised so get the highest appraisal you possibly can. Clean it up and polish the piss out of it.

[porschenut]

PCA offers appraisals for its members. Just go to the PCA website and follow the links.

[Nine9six]

Time for a new Ins co.

[Jeff Alton]

Originally posted by 911 Rod
Now I'm really worried about driver's ed.

How does this change? Did you think you were covered if you balled the car up on the track before??

Cheers

[billroth]

I just got an 85 Cab and needed an appraisal for transfer of ownership in Ontario. Reason: over 20 years old. I got insurance without the appraisal but only liability. After the appraisal they added collision and comp.

Lawrence

[Emission]

Originally posted by twobone
I had my car appraised for a couple of hundred bucks.

I double that and offer you four hundred for it!

[ppun]

This is a lot more common than you think. The same thing happened to me with my insurance company when I went to put collision on.

After explaining that I have been a customer for nearly 20 years the supervisor said "no-problem" and added it.

She then went on to explain that if you add/subtract/add collision coverage or delay adding collision after starting off with jus the basics it raises a risk flag in their assessment programs.

[450knotOffice]

Is this a Canadian thing?

[ThePointman]

Originally posted by 450knotOffice
Is this a Canadian thing?

Well we don't have 300 million people to worry aboot Eh! so of course its a Canadian thing ... They have dick all else to do but figure out the next best way to screw us outta more money and god knows if you can afford a Porsche you can afford more insurance or fuel costs or taxes or whatever cause you must be rich ;-)

[KatoKato]

Originally posted by 911 Rod
Get this one.
I just called TD insurance to put on collision so that I can bring my car out of storage.
New policy.
No collision until I get it appraised.
How do I get it in for an appraisal?
Not our problem.
No notice nothing.
Just new policy.

I'm w/ RBC and they required an appraisal from the get-go. I used Bruce Farrow here in SW Ontario.

PITA but necessary if you want to get proper conpensation if your car gets totalled. With the appraisal you get an 'Agreed Value of Automobile, OPCF 19A' attached to your policy which reflects the appraisal value of your car.

Mine is for $31K and I pay $68/ month when she's on the road.

Another word of caution: DO NOT mention that you track your car. They will either (a) not insure you, (b) jack up your rate astronomically, or (c) do (b) and not give you an OPCF 19A' for your car.

If you do track you are basically taking your chances.

Hope this helps,
Kato

[Brian 162]

Hey Rod, before I went to Silver Wheels I was fully insured with CAA. The only thing was I had to do was to get an appraisal. I paid $900 per year.

Brian

[911 Rod]

You guys have been busy!
My point here was that they just dropped this on me with no notice.
I have taken the collision off every winter for 5 years.
Driver's Ed was covered under my insurance.
I had a discussion with them the first time I went.
I explained the event to them (supervisor) and they told me they are aware of PCA DE and they will cover me. I had them place this commitment in my file.
So you guys run your cars on the track without insurance?
Rod

[spiff]

Rod,
In case you need to, there's some appraisers that will come out to where the car is. I did mine this way and it was $125 Cdn everthing included. Let me know if you need the one I used. He was based out of the west end of the GTA, but will travel for a small fee (did stuff as far as Ottawa on request).