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My ICBC basic is 1200 with 43% discount...
Ouch. Is basic coverage different depending on location? I think we also have the stipulation of all drivers needing to be licensed for 10 years or more to drive the car. Not sure if that impacts the basic price, or just the optionals.
Ouch. Is basic coverage different depending on location? I think we also have the stipulation of all drivers needing to be licensed for 10 years or more to drive the car. Not sure if that impacts the basic price, or just the optionals.
I don’t know how is been covered yet but I just ordered my car and Tesla is asking me for proof of registration, my insurance rep said it’s impossible to get registration without a vin. The Tesla sales rep said registration is needed to get a vin (Im thinking this is not true). Is it possible to get your car registered without a vin?
I went into BCAA this morning to talk about optional. They gave me a price of about $1100 for $5M third-party, $1000 deductible on collision & comprehensive, and Plus replacement (50% in each of the first three years, then 90% in 4 & 5).
Later I looked at the BCAA website and saw that there is a 10% discount for BCAA members.
I figured that was a no-brainer, so I got BCAA for $115, then a discount of $91 (apparently the 10% discount doesn’t apply to everything optional). Then they looked over the estimate and found another $30-$40 in discounts, so the BCAA membership paid for itself.
(I was going to try to get a discount because I will never use the “free $10 L of gas”, but I thought that was pushing it.)
I was about to do the same but Tesla guy told me either do insurance on site or bring your insurance guy to do it there. I can’t get the paper done before hand and bring it over. BTW, BCAA quote me $860 with 2m $500 deductibles with no insurance, leisure only.
I was about to do the same but Tesla guy told me either do insurance on site or bring your insurance guy to do it there. I can’t get the paper done before hand and bring it over. BTW, BCAA quote me $860 with 2m $500 deductibles with no insurance, leisure only.
The on-site person can do the ICBC basic insurance but not the BCAA optional portion.
I had BCAA make up a full quote and print it out with a reference number.
When I take delivery I will buy the ICBC policy at Tesla, then phone BCAA with the plate number, the registration number and the BCAA policy reference number.
I will pay BCAA by credit card and have both my basic and optional insurance before I get onto a public street.
For me, the difference between BCAA and ICBC for the optional was in excess of 100%. I live on Vancouver Island and have decades of no at-fault accidents and no tickets.
Remember, if you buy coverage from anyone, including ICBC, there is a very significant administrative overhead cost. I recently bought three months of insurance on a car as I was selling it to a friend. I had the insurance for a week, then transferred the car. The refund was something like 75-80% of the three month policy. So 20-25% charge for one week of insurance over 13 weeks worth.
In Vancouver? My last accident was in 2010 and I was quoted $1400 >15km for work, $300 deductible.
I have the SR+ RWD and I'm at BCAA right now and they're saying BCAA system isn't allowing the car to have the fuel efficient vehicle discount...
She said she's gonna call the underwriter on Monday to check.
Also is replacement cost plus actually worth it? Am I gonna jinx myself if I don't get it? It's like$483 more a year
2019 standard range plus is on there.On a purchase this expensive, I want someone else to be on the hook if it gets destroyed in the first few years. This is a very large purchase for me. I can’t afford to do it again.
That’s what BCAA told me yesterday about the fuel efficiency discount. They said it works when they are doing the estimate, but not when activating the policy.
The explanation they gave me was that BCAA uses the Natural Resources fuel efficiency numbers that are published each year. The Model 3 SR+ (Model 3 - 50) didn’t have numbers when BCAA set the fuel efficiency models this year. The Model 3 - 60 (Model 3 MR?) is on there, but not the SR+.
https://www.nrcan.gc.ca/sites/www.nrcan.gc.ca/files/oee/files/csv/MY2012-2019 Battery Electric Vehicles.csv