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Canadian Insurance

03DSG

Active Member
Apr 5, 2016
2,142
2,445
Ontario
When we moved from Toronto to Cobourg the annual insurance for 3 cars dropped about 40%. Just with the postal code change.
As an aside Aviva is comprised of 5 different insurers. One is Traders General. I insure through Aviva Traders through a large group plan provided by my former employer. I have had nothing but first class experiences with them through a basement flood claim and a car flood claim. No problems here.
 
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CRASHER

Member
Oct 13, 2017
338
245
CANADA
I got soft delivery date for next week. When I gave the VIN to the Personal insurance. They told me that my model S is not equipped with authorised immobiliser, and my deductible would be at least $5000. My previous Nissan Leaf had $500 deductible. Also their rates were $25/mth. higher than what I was quoted before ordering the car.
 

mknox

Well-Known Member
Aug 7, 2012
10,103
1,866
Toronto, ON
When I gave the VIN to the Personal insurance. They told me that my model S is not equipped with authorised immobiliser, and my deductible would be at least $5000.

Well, that's crap. One of the things Tesla had to do to bring cars into the Canadian market was upgrade the immobilizer system.

My deductible is $300.
 
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CRASHER

Member
Oct 13, 2017
338
245
CANADA
TD quoted me even higher. Aviva don't want to insure only 1 car, agent asked me switch all cars @ time of renewal. I had no other words to say other than hanging up.
 

CRASHER

Member
Oct 13, 2017
338
245
CANADA
Only possibility I can think of is as the car is not yet in Canada, so they don't have access to exact details. I will try again after getting the delivery.
 

Lukez

Member
Mar 21, 2016
629
533
Ontario
Try going through a broker. I have Intact and they have been great to deal with and had by far the lowest rates for my area (not toronto).
 

insaini

Member
Nov 9, 2017
145
85
Toronto
Only possibility I can think of is as the car is not yet in Canada, so they don't have access to exact details. I will try again after getting the delivery.

i went shopping for insurance about 5 days after i received my VIN ... gave my insurance company (RBC) the VIN and they got all the information they needed ... will be paying $23 more a year then I am currently when the car arrives in the next couple of weeks

Try RBC, always had good rates with them
 

CRASHER

Member
Oct 13, 2017
338
245
CANADA
I am now scared about the immobilizer fiasco. DS said that they will not testify that the car is Canadian compliant. The insurance company is standing by their wording, that my car is not insurable. Unless this issue gets sorted out, I will not take the delivery.
 

mknox

Well-Known Member
Aug 7, 2012
10,103
1,866
Toronto, ON
I am now scared about the immobilizer fiasco. DS said that they will not testify that the car is Canadian compliant. The insurance company is standing by their wording, that my car is not insurable. Unless this issue gets sorted out, I will not take the delivery.

Well, if the DS will not attest to the fact that the car is legal in Canada, I'm not sure I'd accept delivery either.
 

Whisky

Member
May 12, 2017
237
258
Toronto, ON
I got soft delivery date for next week. When I gave the VIN to the Personal insurance. They told me that my model S is not equipped with authorised immobiliser, and my deductible would be at least $5000. My previous Nissan Leaf had $500 deductible. Also their rates were $25/mth. higher than what I was quoted before ordering the car.

If it's any consolation, I'm also with the personal and they didn't give me any issues. It's possible there was a clerical error and hopefully Tesla can get it resolved, otherwise don't accept delivery
 

CRASHER

Member
Oct 13, 2017
338
245
CANADA
I fired a email to my sales, DS and Insurance. Nobody from tesla replied. Insurance company promptly confirmed that VCC immobilizer in my car is not approved and may be issue in future. So now Tesla got to resolve it.
Damn, so much wait, and preparation and finally hit the wall.
 

insaini

Member
Nov 9, 2017
145
85
Toronto
I fired a email to my sales, DS and Insurance. Nobody from tesla replied. Insurance company promptly confirmed that VCC immobilizer in my car is not approved and may be issue in future. So now Tesla got to resolve it.
Damn, so much wait, and preparation and finally hit the wall.

that sucks, such a long wait for the car to finally be delivered and now this. I wonder if this is the case with how your car was built or something is up with all of our Canadian cars. As mentioned before, I didn't have any issues when shopping for insurance and provided my VIN.

For future purchasers, I would suggest everyone to get a quick quote as soon as they receive their VIN from their insurance company so that you don't have to go through this and may be able to correct the issue long before delivery day.
 

insaini

Member
Nov 9, 2017
145
85
Toronto
I think your DS is same as mine ... anytime i Email him he usually gets back to me in about 2 days ... but sending email to NASales should help.

Also, try contacting this person over at Yorkdale Tesla, he has reached out to me regarding my delivery dates but again most likely wont reply for a day or two.

Gavin Abrahamson | Customer Experience Specialist
Tesla, Inc. | Yorkdale Shopping Centre | 3401 Dufferin Street, Suite 320 | Toronto, ON M6A 3A1
m 416 787 8006 ext.3 | e [email protected]
 

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