Automotive

Car insurance question - unusual situation

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[OP]
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Jun 3, 2008
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Newmarket

Car insurance question - unusual situation

My auto insurance is coming due. I have an unusual situation:

1. I've been driving for 25+ year, no accidents, tickets etc.
2. My wife used to drive but had a brain tumour and no longer drives
3. We have 2 cars.

(a) A sedan I drive (about 6-8km per year). I work from home. Just shopping and errands.
(b) An SUV. I drive maybe once every 2-3 months to tow something or very bad snow. Thinking of selling but would miss it for the odd time I would need it. I use the SUV so little I need to keep a charger attached to the battery.

4. Now the issue... my teenage daughter is taking her driving test soon (G license)

If I simply add my daughter, the insurance goes from about $1,600 to $4,300 since she is forced to be a primary driver (2 cars 2 drivers). She will only drive occasionally.

Ideally I'd renew my existing policy (belair) but just for the sedan and add my daughter as an occasional driver.

I'd then insure the SUV just for myself under CAA MyPace (per km) just for 500km per year.

Not sure if I am allowed to do this (covered under 2 policies, different car on each).

I could also garage the SUV and just add it back for the odd trip but this would be a huge pain.

Any ideas?
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Oct 13, 2007
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braveheart2006 wrote: My auto insurance is coming due. I have an unusual situation:

1. I've been driving for 25+ year, no accidents, tickets etc.
2. My wife used to drive but had a brain tumour and no longer drives
3. We have 2 cars.

(a) A sedan I drive (about 6-8km per year). I work from home. Just shopping and errands.
(b) An SUV. I drive maybe once every 2-3 months to tow something or very bad snow. Thinking of selling but would miss it for the odd time I would need it. I use the SUV so little I need to keep a charger attached to the battery.

4. Now the issue... my teenage daughter is taking her driving test soon (G license)

If I simply add my daughter, the insurance goes from about $1,600 to $4,300 since she is forced to be a primary driver (2 cars 2 drivers). She will only drive occasionally.

Ideally I'd renew my existing policy (belair) but just for the sedan and add my daughter as an occasional driver.

I'd then insure the SUV just for myself under CAA MyPace (per km) just for 500km per year.

Not sure if I am allowed to do this (covered under 2 policies, different car on each).

I could also garage the SUV and just add it back for the odd trip but this would be a huge pain.

Any ideas?
You have a few options and some would depend on the cooperation of your insurance company. I had a situation where the insurance company wanted to put my son as primary driver on one of my vehicles (three vehicles, three drivers) but I wasn't having none of it because one of the vehicles, I am sole driver and he would never drive that vehicle. It took a bit of work but the company relented and put him on as occasional driver. For sure, I was not going to be paying (inflated) premiums for him as principal driver on a car that he would never set foot in, as a driver.

Is your wife still licensed? There is no harm in having her on the policy if your insurance company is being pig-headed, as there is no obligation that she actually has to drive. I mean if they want your daughter as a primary driver for a vehicle on which she is not primary, simply reverse the situation in your favour with your wife as primary, making your daughter occasional.

There is nothing from preventing you from getting two policies with different companies. This is often done to get better rates, more so on collector vehicles because you would typically lose out on a two or more vehicle discount.
[OP]
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Jun 3, 2008
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starchoice wrote: You have a few options and some would depend on the cooperation of your insurance company. I had a situation where the insurance company wanted to put my son as primary driver on one of my vehicles (three vehicles, three drivers) but I wasn't having none of it because one of the vehicles, I am sole driver and he would never drive that vehicle. It took a bit of work but the company relented and put him on as occasional driver. For sure, I was not going to be paying (inflated) premiums for him as principal driver on a car that he would never set foot in, as a driver.

Is your wife still licensed? There is no harm in having her on the policy if your insurance company is being pig-headed, as there is no obligation that she actually has to drive. I mean if they want your daughter as a primary driver for a vehicle on which she is not primary, simply reverse the situation in your favour with your wife as primary, making your daughter occasional.

There is nothing from preventing you from getting two policies with different companies. This is often done to get better rates, more so on collector vehicles because you would typically lose out on a two or more vehicle discount.
Thanks for the advice. My wife had her license suspended for medical reasons.

If I can do 2 policies (belair and CAA for MyPace) that would work.
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Another option would be to give the SUV to a family member at another house hold onto, then you use it when needed. You can add to your policy that you agree to never allow your kids to drive the other car. If they did, it would not be insured, so make sure keys are hidden so they aren't temped to take it for a joy ride.
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Both insurance companies would need to be informed of all licensed drivers in household I believe but there is waiver think can be signed that named person not going to drive said vehicle.

Perhaps @COSMIC5 can clarify.
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technically, when your daughter received her G2 lic, you were obligated to disclose her to the insurance company as she lives in the same household(actually when she got G1 you're supposed to advise) Even if you split the policies, one driver per vehicle.

The only other way would be to have one vehicle with liability coverage on it at a time and reduce coverage to the one you are not driving to comprehensive coverage only.(fire & theft)

Last option, exclude daughter completely using an OPCF 28a on both vehicles. This means she will not be able to drive either vehicle at all.
georvu wrote: Both insurance companies would need to be informed of all licensed drivers in household I believe but there is waiver think can be signed that named person not going to drive said vehicle.

Perhaps @COSMIC5 can clarify.
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I'd look into insuring both vehicles with CAA MyPace. I switched from regular insurance (insuring each vehicle for 6 months each during winter and summer) to insuring both vehicles year round under CAA My Pace and saw a huge drop in premiums. Wish I had done it earlier. Now I have the choice to drive whatever I want whenever I want
[OP]
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starchoice wrote: You have a few options and some would depend on the cooperation of your insurance company. I had a situation where the insurance company wanted to put my son as primary driver on one of my vehicles (three vehicles, three drivers) but I wasn't having none of it because one of the vehicles, I am sole driver and he would never drive that vehicle. It took a bit of work but the company relented and put him on as occasional driver. For sure, I was not going to be paying (inflated) premiums for him as principal driver on a car that he would never set foot in, as a driver.

Is your wife still licensed? There is no harm in having her on the policy if your insurance company is being pig-headed, as there is no obligation that she actually has to drive. I mean if they want your daughter as a primary driver for a vehicle on which she is not primary, simply reverse the situation in your favour with your wife as primary, making your daughter occasional.

There is nothing from preventing you from getting two policies with different companies. This is often done to get better rates, more so on collector vehicles because you would typically lose out on a two or more vehicle discount.
FWIW, I ended up selling the 2nd car (SUV). I did this because:

(1) The used car market is pretty hot right now and I received a very good price for the car considering it's age.

(2) After speaking with 3 insurance companies, none of them were willing to list my daughter as an occasional driver. I was told that "regulations force her to be listed as a primary driver". They wanted more than $4,000 to insure her (on top of the premium they charged me). Perhaps I could have found an insurance company/broker who would be more reasonable but selling the car was actually easier than arguing with the insurance companies, believe it or not.
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mer1ion wrote: I'd look into insuring both vehicles with CAA MyPace. I switched from regular insurance (insuring each vehicle for 6 months each during winter and summer) to insuring both vehicles year round under CAA My Pace and saw a huge drop in premiums. Wish I had done it earlier. Now I have the choice to drive whatever I want whenever I want
I did speak with CAA MyPace. They were probably the worst insurance company I have ever experienced. I would never insure with them even if their rates were lower. I can't imagine trying to make a claim with them.

Maybe my experience was unusual but I did speak with two different agents.
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braveheart2006 wrote: I did speak with CAA MyPace. They were probably the worst insurance company I have ever experienced. I would never insure with them even if their rates were lower. I can't imagine trying to make a claim with them.

Maybe my experience was unusual but I did speak with two different agents.
My experience with them has been the opposite and I've been with them for over 30 years. Service has always been great. Mind you I've only been in one not at fault accident. Claim was handled efficiently with no BS. My rates have been competitive with other insurance companies and now they are lower because of various discounts because of my experience. For me, they have been great. With MyPace, I pay less than half of what I used to pay and it now insures both vehicles at the same time
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mer1ion wrote: My experience with them has been the opposite and I've been with them for over 30 years. Service has always been great. Mind you I've only been in one not at fault accident. Claim was handled efficiently with no BS. My rates have been competitive with other insurance companies and now they are lower because of various discounts because of my experience. For me, they have been great. With MyPace, I pay less than half of what I used to pay and it now insures both vehicles at the same time
Curious...how much do you drive on each vehicle roughly and roughly how much is your insurance for each vehicle.
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Another positive with CAA mypace if you have multiple occasional kids/drivers is that mypace is considered separate insurance account and that you can just lump all occasional drivers into cheaper car with your spouse as primary and don't need to put each occasional driver on to each car.

So you can do :
CAA mypace, super luxury lambo - wife
CAA regular insurance, rdf fav beige corolla - husband, kid1, kid2, kid3

Best part is you still get multi-vehicle discount and everyone can drive any cars because everyone's fully disclosed.
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gr8dlr wrote: Curious...how much do you drive on each vehicle roughly and roughly how much is your insurance for each vehicle.


The rates are so good I'm almost afraid to say it. It's almost too good to be true.

On the Audi RS5, I pay a base price of $415/year and $115/1000 kms. I used to average 3k kms a year but only did 1k in the last year because I had major surgery. On the Mitsubishi RVR, I pay $250 base a year and $85 per 1000 kms. Normally I put about 3k to 6k kms a year but as I mentioned before, it has gone down since the surgery.

When I was on traditional insurance, I was paying about $1k per vehicle for each six month period. The Audi was only insured in the summer and the RVR for the winter. Each vehicle had fire/theft in the off season.

MyPace suits me these days as both vehicles are insured year round and costs a fraction of what I used to pay.

I forgot to mention that I live in Brampton. Rates are cheaper if I use my Mississauga or Toronto addresses but it's not something I want to do.
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mer1ion wrote: The rates are so good I'm almost afraid to say it. It's almost too good to be true.

On the Audi RS5, I pay a base price of $415/year and $115/1000 kms. I used to average 3k kms a year but only did 1k in the last year because I had major surgery. On the Mitsubishi RVR, I pay $250 base a year and $85 per 1000 kms. Normally I put about 3k to 6k kms a year but as I mentioned before, it has gone down since the surgery.

When I was on traditional insurance, I was paying about $1k per vehicle for each six month period. The Audi was only insured in the summer and the RVR for the winter. Each vehicle had fire/theft in the off season.

MyPace suits me these days as both vehicles are insured year round and costs a fraction of what I used to pay.

I forgot to mention that I live in Brampton. Rates are cheaper if I use my Mississauga or Toronto addresses but it's not something I want to do.
Interesting. And thanks for the info.

Normally coverage is per vehicle and per driver with each vehicle have a primary driver.

Do they care when or how much each person drives on each vehicle? Or is there some kind of adjustment?

Also wonder how they handle "occasional" drivers?
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Sell the SUV. Crazy prices now for used cars. I sold my 2nd car as well. 07 Civic 117km for $8000. Glad I got rid of it finally, I was risking it with the engine block potentially cracking and the paint starting to peel off. I had to juggle which one to drive so that the battery wouldn't die on one of them.

In the off chance you need to tow something, just rent a HD van for $20/hr or worst case rent a uhaul truck. It will cost you less renting than your insurance and you get a good chunk of cash selling your unused vehicle.
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gr8dlr wrote: Interesting. And thanks for the info.

Normally coverage is per vehicle and per driver with each vehicle have a primary driver.

Do they care when or how much each person drives on each vehicle? Or is there some kind of adjustment?

Also wonder how they handle "occasional" drivers?
I am the only driver listed on my vehicles. I can lend the cars out but the drivers have to be over 25 and they borrow my insurance as well. I'm not sure how they handle occasional drivers but I'd imagine it's be a good idea to insure them on the cheaper vehicle.

I think a bigger factor to my cheaper rates is the fact I pretty much have every discount offered. I think that exceeds 50% roughly
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MrBungal wrote: Sell the SUV. Crazy prices now for used cars. I sold my 2nd car as well. 07 Civic 117km for $8000. Glad I got rid of it finally, I was risking it with the engine block potentially cracking and the paint starting to peel off. I had to juggle which one to drive so that the battery wouldn't die on one of them.

In the off chance you need to tow something, just rent a HD van for $20/hr or worst case rent a uhaul truck. It will cost you less renting than your insurance and you get a good chunk of cash selling your unused vehicle.
I did sell in late December. Got almost $13K for a 2013 SUV with 120K. Same vehicle sold for about 7-8K last summer.

With a single car the occasional driver insurance was less than $100 vs the $4000 they quoted previously for my daughter as primary driver. Insane.

I also got a bonus in that I didn't need to renew my plates which would have been $240 since I didn't renew during the pandemic.
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braveheart2006 wrote: I did speak with CAA MyPace. They were probably the worst insurance company I have ever experienced. I would never insure with them even if their rates were lower. I can't imagine trying to make a claim with them.

Maybe my experience was unusual but I did speak with two different agents.
Sorry to hear you were treated badly. I changed over to CAA last summer for both home and auto and saved a ton. My sales experience was excellent ( I got their quotes the year before as well) and much better than with my previous independent agent.

I have my car on Mypace while my wife has a regular policy. I saved around $700 on the auto going to CAA, while the home was comparable.

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