Yes I am in Canada and cars registered and insured in both Alberta and Quebec. Not to worried about the cars in Alberta since they are 100% stock (even still for storage insurance the bill when up over 50% to $1200/yr on each car.)
For the MX-3 they already had a large file from before TD took over Liberty Mutual Canada. I had riders on my policy for the ICE, and mechanical mods seperately from the car as a whole.
With the old 323 all the mods were done in such a way that the car looked 90% stock or looked like OE replacement parts.
For the ZX-2 the is 100% stock and they will consider the FRP performance parts for the S/R as stock parts.
I also have the advantage of age and a clean record for at least the last 20 years (they didn't count the ticket I got in Germany on the autobahn 18 years ago) When the agent started asing all these questions. When the agent started asking all these question, the first thing I said was look at my date of birth and that pretty much ended that.
They didn't even question the FIA endorsment on my drives licence.
The funny thing is the ZX2 has a higher value that the 323 and my rates for the 2 cars decreased by $20/yr plus that added $65000 coverage for a rented or borrowed vehicle. Total for the MX-3+ rider and the ZX2 is $1050 down from $1070 + now includes additional coverage I didn't have before. But Quebec also has no fault insurance built into the cost of your registration and drivers licence.
Talking to Sean one of the early MX-3er. Many of his customers in the Ottawa region have been hit hard by State Farm and a couple other insurance companies. As I understand these companies sent out letters saying to some into have the car eveluated for a possible reduction in rates. State Farm was cancelling policy for mags and tires stating safety concerns. It also appeared that they were targeting certain makes and models of cars because his father got one for the Integra but not for the mini van or his sisters MX-3. I think Ontario in general has been dropping the hammer of the "Tuner" cars. I know of a few guys from Quebec that have been pulled over in Ontario by the cops and were issued warning ticket for having a modified car and were told to be off the roads in Ontario in 24hr or possible have there cars impounded if pulled over again. Even cop friends here couldn't believe that was written on the ticket and worst they were not by the same officer or even that same force.
Nd4SpdSe wrote:You live in Canada, Yoda?
I think is comes down to:
a) did you tell them about your mods?
b) did they accept you or reject insuring your vehicle if it does have the listed modifications?
I think the real issue is that people are affraid of 1)having their insurance skyrocket to where it's unafforable or 2)having their policy cancelled.
I wouldn't mind paying maybe even an extra $100 more a month so that I know I'm properly covered, but I dont want to see my policy literally quadruple, and in the end, only give me an extra $500.
That was the most costly trip home from the cottage I had ever experienced... a $675 ticket, and that much of an increase on my insurance. I now refuse to pay the mafia- i mean insurance, so I'm waiting another 10 months till my record is clean.
