TD Insurance - don't tellem... - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Skurj · 03-11-2013, 04:56 PM

Just got a surprise...

TD Insurance was by far the cheapest I was quoted for the BRZ. So today I decided I would arrange for insurance because I pick the car up in less than 2 weeks.

They refused me coverage because of the 18 in wheels I am having installed. Their arguement was because the car is not available with 18" wheels in North America at this time.

Just a headsup for anyone who maybe considering TD. (nvm I am in my mid 40's and they had the opportunity to insure both my cars... hah which both have oversized wheels)

raphy · 03-11-2013, 05:08 PM

I usually take 10-20 all round pictures of my car stock and I just re-send them those year after year. But I have a amazing insurance guy that may do even better if your interested please pm me. TD murdered me on insurance.

Skurj · 03-11-2013, 05:12 PM

I'd be curious what he can do Raphy (I'll send a PM)

For 2 cars TD Insurance was the cheapest at around 2800, everyone else was 3300+ even my current insurer which maybe my only real other option.

thorlius · 03-11-2013, 07:06 PM

I mentioned my TRD exhaust option to my TD guy and he told me I was lucky that he knew TRD was a manufacturer option on the car, and that others probably would've dinged me on insurance not knowing what it was (just assuming it was aftermarket).

I wonder if they would ding me on my lighting mods, hardwired dash cam, signal flasher, or shift knob.

automatic · 03-11-2013, 07:26 PM

I noticed with any insurance company I've dealt with...

If the broker/agent is educated on the product they're selling, they will let you know what is allowed and what is not allowed in terms of modifications.

Those brokers/agents who don't, will say absolutely no modifications of any kind to cover their butts.

VirUzxZ · 03-12-2013, 09:17 PM

Quote:

Originally Posted by raphy

I usually take 10-20 all round pictures of my car stock and I just re-send them those year after year. But I have a amazing insurance guy that may do even better if your interested please pm me. TD murdered me on insurance.

wait wha? they ask for pictures? since when?

raphy · 03-12-2013, 10:40 PM

mine has been asking forever i was with lombard

BioRage · 03-12-2013, 11:23 PM

Why would you ever tell them you have a modified car?

That's like tell them you track your car. lol.

chenshuo · 03-13-2013, 11:10 AM

Quote:

Originally Posted by BioRage

Why would you ever tell them you have a modified car?

That's like tell them you track your car. lol.

Because if you don't and you're involved in an accident, the insurance company can deny you coverage.

JoeyV · 03-13-2013, 11:34 AM

When did changing wheels become "modifying" a car? I'm, guessing this is an Ontario thing because we don't have this nonsense in Quebec. Only real modifications need to be declared, things like engine swaps and whatnot. The only reason one would declare "mods" such as wheels, audio, exhaust and whatever other "bolt-on" would be so they are covered in case of theft.

Oh, and one could argue the the car COULD come with 18" TRD wheels.

Insurance makes me laugh....

wparsons · 03-13-2013, 02:46 PM

Quote:

Originally Posted by chenshuo

Because if you don't and you're involved in an accident, the insurance company WILL deny you coverage.

Corrected...

Not only that, but they will most likely drop you for non-disclosure which leaves you with no liability coverage either, so you could be open to being sued with no insurance company backing you. Even if you don't get sued, if you get dropped for non-disclosure you'll be basically uninsurable afterwards.

pheoxs · 03-13-2013, 03:24 PM

TD only asked me if I have modified the car for speed yes / no and the total value of the car including all modifications.

TD quoted me 1000$ / yr for full coverage as a secondary vehicle to my Jetta and it'll be 1600 / yr with full coverage once I sell the Jetta and put the FR-S as full time.

KPDoubleX · 03-14-2013, 02:38 PM

Ya I wouldnt have told them anything....its none of their business anyways!

I got TD Insurance (super cheap!) no questions asked. By far the cheapest....plus I am a grad so I get another 20% off!

wparsons · 03-14-2013, 06:45 PM

Quote:

Originally Posted by KPDoubleX

Ya I wouldnt have told them anything....its none of their business anyways!

Are you serious? It's 100% their business since they're covering the car... If you don't tell them about modifications they can, and will, deny you coverage in a claim.

03-11-2013, 04:56 PM	#1
Skurj Senior Member Join Date: Nov 2012 Drives: SOLD... Location: GTA Ontario Posts: 955 Thanks: 56 Thanked 192 Times in 155 Posts Mentioned: 7 Post(s) Tagged: 0 Thread(s)	TD Insurance - don't tellem... Just got a surprise... TD Insurance was by far the cheapest I was quoted for the BRZ. So today I decided I would arrange for insurance because I pick the car up in less than 2 weeks. They refused me coverage because of the 18 in wheels I am having installed. Their arguement was because the car is not available with 18" wheels in North America at this time. Just a headsup for anyone who maybe considering TD. (nvm I am in my mid 40's and they had the opportunity to insure both my cars... hah which both have oversized wheels) __________________ WRB MT BRZ Sport Tech Delivered March 21 2013 Its mine now!! Paid for Mar 2018 and its gone... Sept '18 tho I am sure I will miss it Replaced with 18 50th edition ND

03-11-2013, 05:12 PM	#3
Skurj Senior Member Join Date: Nov 2012 Drives: SOLD... Location: GTA Ontario Posts: 955 Thanks: 56 Thanked 192 Times in 155 Posts Mentioned: 7 Post(s) Tagged: 0 Thread(s)	I'd be curious what he can do Raphy (I'll send a PM) For 2 cars TD Insurance was the cheapest at around 2800, everyone else was 3300+ even my current insurer which maybe my only real other option. __________________ WRB MT BRZ Sport Tech Delivered March 21 2013 Its mine now!! Paid for Mar 2018 and its gone... Sept '18 tho I am sure I will miss it Replaced with 18 50th edition ND

03-12-2013, 11:23 PM	#8
BioRage Senior Member Join Date: Dec 2011 Drives: ~_~ Location: Toronto Posts: 831 Thanks: 27 Thanked 190 Times in 111 Posts Mentioned: 8 Post(s) Tagged: 0 Thread(s)	Why would you ever tell them you have a modified car? That's like tell them you track your car. lol. __________________ Join us! @ EightSixClub

03-13-2013, 11:34 AM	#10
JoeyV Member Join Date: Jun 2012 Drives: Scion Location: Montreal Posts: 43 Thanks: 7 Thanked 11 Times in 8 Posts Mentioned: 3 Post(s) Tagged: 0 Thread(s)	When did changing wheels become "modifying" a car? I'm, guessing this is an Ontario thing because we don't have this nonsense in Quebec. Only real modifications need to be declared, things like engine swaps and whatnot. The only reason one would declare "mods" such as wheels, audio, exhaust and whatever other "bolt-on" would be so they are covered in case of theft. Oh, and one could argue the the car COULD come with 18" TRD wheels. Insurance makes me laugh.... __________________ Elegance Auto Detailing

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03-11-2013, 05:08 PM	#2
raphy Member Join Date: Feb 2013 Drives: whiteout FRS Location: markham, ont Posts: 64 Thanks: 11 Thanked 19 Times in 9 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	I usually take 10-20 all round pictures of my car stock and I just re-send them those year after year. But I have a amazing insurance guy that may do even better if your interested please pm me. TD murdered me on insurance.

03-11-2013, 07:26 PM	#5
automatic Senior Member Join Date: May 2012 Drives: WRB BRZ Location: Richmond Hill, ON Posts: 164 Thanks: 4 Thanked 31 Times in 19 Posts Mentioned: 4 Post(s) Tagged: 0 Thread(s)	I noticed with any insurance company I've dealt with... If the broker/agent is educated on the product they're selling, they will let you know what is allowed and what is not allowed in terms of modifications. Those brokers/agents who don't, will say absolutely no modifications of any kind to cover their butts.

03-12-2013, 10:40 PM	#7
raphy Member Join Date: Feb 2013 Drives: whiteout FRS Location: markham, ont Posts: 64 Thanks: 11 Thanked 19 Times in 9 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	mine has been asking forever i was with lombard

03-13-2013, 03:24 PM	#12
pheoxs Hold my beer n watch this Join Date: Nov 2012 Drives: '14 Fiesta ST / '91 240sx Location: Calgary, Alberta Posts: 782 Thanks: 214 Thanked 301 Times in 177 Posts Mentioned: 8 Post(s) Tagged: 0 Thread(s)	TD only asked me if I have modified the car for speed yes / no and the total value of the car including all modifications. TD quoted me 1000$ / yr for full coverage as a secondary vehicle to my Jetta and it'll be 1600 / yr with full coverage once I sell the Jetta and put the FR-S as full time.

03-14-2013, 02:38 PM	#13
KPDoubleX ❤ fr-s love ❤ Join Date: Jan 2013 Drives: 13 Asphalt Scion FRS Location: Mississauga Posts: 208 Thanks: 45 Thanked 75 Times in 51 Posts Mentioned: 3 Post(s) Tagged: 2 Thread(s)	Ya I wouldnt have told them anything....its none of their business anyways! I got TD Insurance (super cheap!) no questions asked. By far the cheapest....plus I am a grad so I get another 20% off!

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