Registration and insurance help

Discussion in 'Reality Check' started by Gooch, Mar 20, 2017.

  1. Gooch

    Gooch
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    Ok guys I need your help again.
    I have found my dream car and working out a deal.
    It is a built 33 factory five hot rod.
    There are only two insurance companies that write for these cars. Hagerty and inpact.
    The problem is when i called to get insurance on this car they told me Newfoundland is the only province that they can not write insurance for these cars at the moment.
    So what are my options? I have a house in NS and i could register it there and get insurance that way.
    Is there any way i can register a car in Newfoundland but the insurance is in NS?
     
  2. Cheddar

    Red is the New Green

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    You can't insure it in NS. You have to insure it in the province that you live and that it will be driven.
     
  3. Gooch

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    I have a house in NS. Hagerty is ok with me having insurance in NS but storing it in NL
     
  4. Arod

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    If newfoundland is your primary residence how will that work for registration? Can you insure a car in NS that may need to be registered in Newfoundland?
     
  5. Cheddar

    Red is the New Green

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    It doesn't matter where your house is it matters where you will be driving it. You can insure it with an NS company if they write nfld risks but if the insurance company thinks they are insuring a car in NS and you have a claim in NFLD and they find out that you weren't just up there for a vacation they can deny your claim.

    There's no shortcut. If you never have a claim and the police never stop you and question it you'll be fine, but at the end of the day it's a material peice of information and misrepresenting information is a major breech of your policy and can lead to your coverage being voided. It's your choice but just don't bitch like everyone else if you are in an accident in nfld and you are denied coverage.

    If the car can be registered in nfld it can be insured in nfld. You just need to find the right place. Facility might be your only option or perhaps there is a specialty company.
     
  6. Duggan

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    Facility usually insures anyone, it is just it can be a small mortgage payment for your premiums
     
  7. Boots

    www.reality-check.ca

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    My neighbor has an old Mustang. He has insurance through a company that insures vehicles that are only driven < few thousand km a year. Would that sort of thing apply to you?
     
  8. wreak

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  9. wreak

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    I just checked their FB page and someone asked them if they're licensed in NFLD and they said yes so definitely give them a ring. From what I've heard they're great to deal with.
     
    Last edited: Mar 20, 2017
  10. Gooch

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    Nope, they write for Hagerty
    Hagerty will not write for any factory five car in NL.
    The car is titled as a 2012 Ford clone so it is not an antique

    Once the factory five car is 15 years old, they can then insure in NL
    NL is the only province like this. Just my luck
     
  11. yzinger

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    can help with original question Gooch...but, just wanted to say congrats! - I've been a FFR fan for some time and have always wanted a MK4. Good luck and post pics when item has been procured! :beer2:
     
  12. 17

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    I had facility when I got my license back and had the s2000

    Good lord that was not cheap
     
  13. Gooch

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    don't say congrats yet
    if I cant get insurance, no car for me
     
  14. MRA

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    just buy it, and stick it in that nice garage and stare at it for another 10 years then insure it
     
  15. Gooch

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    I just called facility and even they will not put insurance on it

    I have officially tried every insurance company. It looks like my dream car will stay a dream because I live in this Province. Oh Newfoundland
     
  16. Boots

    www.reality-check.ca

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    This is who my neighbor uses.

    https://www.garysteevesinsurance.com/

    Is that just someone selling for hagerty?
     
  17. MRA

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  18. Boots

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    ahhh. That's what i get for not reading all the posts :lol:
     
  19. Beaker

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    thats idiotic. id lie and say its in ns. technially register it there and insure it.

    are you trying to register it as an antique? just insure it as a normal car. will cost more but you can be anywhere.

    haggerty wont touch me or my cars either.
     
  20. Cheddar

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    Why not just save your money and not insure it then? Both ways give you no coverage and the cost of the premium is probably higher than the fine of driving without coverage.
     
    Cooper likes this.
  21. Duggan

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    Might be a dumb question, but if you have an umbrella policy but drive a car not covered under the policy, would you have any recourse for PLPD?
     
  22. 17

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    insure it in NS

    if you ever have to make a claim, pay it out of pocket
     
  23. Gooch

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    That is what i was going to do but it is too risky and adds a lot of complexity. It means i need to get the car to halifax for inspection. I was just shipping it using oceanex direct to nl
     
  24. Cheddar

    Red is the New Green

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    He can't insure in NS without lying on his application. The policy doesn't ask you to give the address of any of your properties, it asks for your primary residence. If he lies on the application the policy is voidable. If it voidable and he's caught he gets no coverage. If he runs over a group of kids, all who I guarantee you were destined to become brain surgeons, he loses his house, his car and whatever else he owns to pay off the lawsuit.
    Or you do more research because there is always someone who will insure anything. Ie Lloyd's of London.
    Alternatively you could always self insure. If you know you aren't going to get in an accident and just want insurance to be legal, get a bond.
     
  25. Gooch

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    No insurance will insure it.
    It was also going to be an investment. If someone can not get insurance i will never be able to sell it.
    Time to start looking for another toy.
     
  26. yzinger

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    Tough news Gooch. Good luck on search.
     
  27. Ameter

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    Why won't insurance insure the car?
     
  28. Gooch

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    Newfoundland province has no provisions for this type of car. Insurance companies will in every other province
     
  29. Ameter

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    What "type" of car is it? Is it street legal? I'm just curious to know what it is about this car that makes it uninsureable.
     
  30. Gooch

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    Factory five 33 hot rod
    it was finished in 2012
    once it is 15 years old you will be able to insure it in Newfoundland
     
  31. Beaker

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    im really surprised there isnt like a speciality company.

    like i know haggerty wont touch it if its modified but someone must know how to put a policy on it
     
  32. Gooch

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    I think I have called everyone. If you think of anyone let me know. The car is suppose to ship May 16th
    If someone finds me an insurance company for the following that is a decent rate I will transfer you $400:
    -In Newfoundland
    -Factory Five 33 roadster
    -built in 2012
    -registered in quebec as a 2012 Ford Clone

    Any help is greatly appreciated.
     
  33. Ameter

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    So it's a custom car? Why would it be insurable once old but not when new?
     
  34. Cheddar

    Red is the New Green

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    Are you looking for just liability or full coverage. Facility is pretty much law bound to provide liability insurance for any vehicle that is legally allowed on the road.
     
  35. Gooch

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    I tried facility. They told me no
    Keep in mind I have never been in an accident a one speed tix in my 25 years. I drive slower than miss daisy
     

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