Street legal D.B. insurance

Seems as though the lefty tario has stopped insurance on street legal dunes and rails. Hagerty, lants, aviva (all one company) nobody. Well MAYBE facilities at half the price of the buggy. Want to drive it 20 kliks a year. Seriously on the trailer to the show, back on the trailer and home to locked garage. Just 2- 2 1/2 months per year and only PLPD. No can do. Anyone out there in insurance and feels like helping or even advice I'd sure appreciate

I'm told a place called "Hub international insurance". Anyone know?

This is thee only province it's even an issue

Was blue plated right up till me buying late last fall. I'm wondering if I tell my agent/broker I've decided that to get any use at all just insure me same as my quad then take safety and insurance into MTO ?

Attachment 29415

Have you tried telling your insurance company that if they won't accommodate you you can find another company for your other insurance requirements? May not work but worth a shot?

Yep
Everything today is policy/procedure driven. What You get is

"We don't write those. If You feel You need to go elsewhere it's up to You just remember there's a penalty for cancelling before renewal date. Have a great day"

That's a comp I've been with for near 4 decades

What happens if you put fenders on it, would it comply then...

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Originally Posted by Bo D

What happens if you put fenders on it, would it comply then...

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That's a safety standard issue which was negated by me getting a safety. The insurance didn't even see the pic fenders or not. In ontario Street legal dunes or rails are a no go for insurance. So like I said. Why couldn't I just insure for off rd like my 4 wheeler then with pink slip and safety walk on into MTO

Hard to believe that you would get the shaft for that when there oodles of jacked up trucks about as vertically safe as the LT of Pisa, steering geometry that makes your head spin. Dump trucks, freight trucks where a lot can't pass safeties.

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Originally Posted by Fisherman

Hard to believe that you would get the shaft for that when there oodles of jacked up trucks about as vertically safe as the LT of Pisa, steering geometry that makes your head spin. Dump trucks, freight trucks where a lot can't pass safeties.

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Funny You'd mention the fact "ALL THOSE XXXXXXX" cause that's exactly where it's at. I finally pumped my usual agent into a grain of truth. She said "We're in this to make money. High risk items don't make us much money cause the losses come close to the rewards, however. We're willing to suffer that cause even if the net we made with bikes, trucks etc was'nt much, that not very much is multiplied by how many? We'd cut them out too if they didn't make up such large numbers. We're willing to cut buggies and rails lose because like the others they don't net much, and that not much may only be multiplied by 5 or 6 for every insurance broker.

In short.........Follow the money

Is you machine licensed as a home built/kit or does it have the original VW vin number?

She don't even want to see what it is on ownership. All brokers said and I quote "Are the optics of it a dune buggy or rail?" Uh I guess. Then no we can't.
Ps listed as volks and volks vin. but nobody cares

I thought with the compulsory insurance act in Ontario all automotive insurers had to offer insurance to all legally registered vehicles and drivers?
Maybe not at a good price but insurance all the same.
Without this clause many with a previous poor record wouldn't get insurance either.

Obligations of agents

5. An agent shall,
(a) provide to an owner or lessee of a motor vehicle who is a resident of Ontario an application for automobile insurance; and

(b) submit to an insurer a completed application for automobile insurance,

when requested to do so by the owner or lessee of a motor vehicle. R.S.O. 1990, c. C.25, s. 5; 1996, c. 21, s. 50 (9).

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Originally Posted by Woodsman

I thought with the compulsory insurance act in Ontario all automotive insurers had to offer insurance to all legally registered vehicles and drivers?
Maybe not at a good price but insurance all the same.
Without this clause many with a previous poor record wouldn't get insurance either.

Obligations of agents

5. An agent shall,
(a) provide to an owner or lessee of a motor vehicle who is a resident of Ontario an application for automobile insurance; and

(b) submit to an insurer a completed application for automobile insurance,

when requested to do so by the owner or lessee of a motor vehicle. R.S.O. 1990, c. C.25, s. 5; 1996, c. 21, s. 50 (9).

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Was under same impression, can't deny coverage, but can make it absolutely insane cost wise.

I just saw this buggy on my way home a few minutes ago, so there's a way. It's plated anyway.

http://i26.photobucket.com/albums/c1...ps5qw7cszh.jpg

http://i26.photobucket.com/albums/c1...psdogkgkbb.jpg

Just got coverage. On the rd tomorrow......OOOHHHHHWWWOOOO

Brother and I had a buggy similar to the white one back in the sixties. It still had the VW vin and serial number plate. I still have engine parts in my barn.....

Does it make any difference that the white one pictured has both front and rear fenders ?

No, nor does it matter that it has no windshield wipers. The law loosely states (thow shall) but in MTO reality it boils down to this. No fender, fenders, fenders but tires that stick 8" out like on some trucks etc etc . No matter. UNTIL You throw a stone or mud that causes someone harm and it can be proved it was You, goodbye. As I was told my the guy doing the safety "A large truck is not mandated by law to wear flaps, until buddy throws debris). Anyhoo no matter she's rockin and rollin. God what a hoot

looks like these photos were taken from a digital device while yo were driving... can clearly see that you were in the drivers seat as well by the area of dash...

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Originally Posted by last5oh_302

I just saw this buggy on my way home a few minutes ago, so there's a way. It's plated anyway.

http://i26.photobucket.com/albums/c1...ps5qw7cszh.jpg

http://i26.photobucket.com/albums/c1...psdogkgkbb.jpg

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Originally Posted by topher

looks like these photos were taken from a digital device while yo were driving... can clearly see that you were in the drivers seat as well by the area of dash...

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I'm kinda envious. fk you keep an interior a lot cleaner than me. Mind me asking whats your secret? Don't tell me ,get the wife to do it

It appears that way doesn't it. Helmet cam....lol

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Originally Posted by last5oh_302

It appears that way doesn't it. Helmet cam....lol

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That was apparent. I still wanta know how he keeps that dash dust free

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Originally Posted by standup

That was apparent. I still wanta know how he keeps that dash dust free

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About once a month I run my hand along it. :)

Look dash cam w/out a dash
Attachment 29591

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Originally Posted by standup

No, nor does it matter that it has no windshield wipers. The law loosely states (thow shall) but in MTO reality it boils down to this. No fender, fenders, fenders but tires that stick 8" out like on some trucks etc etc . No matter. UNTIL You throw a stone or mud that causes someone harm and it can be proved it was You, goodbye. As I was told my the guy doing the safety "A large truck is not mandated by law to wear flaps, until buddy throws debris). Anyhoo no matter she's rockin and rollin. God what a hoot

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Lots of tickets written for no wipers or fenders.....

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Originally Posted by rick_iles

Lots of tickets written for no wipers or fenders.....

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On them what are supposed to have em