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by BSH on Oct 18, 2018
4.5 out of 5 stars
Car Insurance Reviews
Security National Insurance (TD) Auto Insurance Reviews
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(33 reviews)
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I received my renewal. My premium is $1202 and the premium for the occasional driver is $262 for a total premium of $1464. I phoned to remove the occasional driver and now my premium is $1460 - what?! The staff at the loyalty dept could not explain why my premium did not stay at $1202. He told me there are many calculations behind the scene and that's what the calculation is. I told him I'm the same driver with or without the occasional driver, and the occasional driver has no impact on my driving skill. He says the car is more available to me now that the occasional driver is no longer insured. The fact is the occasional driver can still drive my car with my permission for the same amount of time and without insurance. I asked him to explain the advantage of having the occasional driver insured. His explanation: without the occasional driver insured, an accident claim will affect my premium; and get this, WITH the occasional driver insured, an accident claim WILL affect my premium. I told him that reasoning is absurd because there is no difference. He was not capable of explaining any further. I was on the phone with him for 20 mins. I've been with them since 1988 (30 years!). He thanked me for my loyalty and offered $40 off my house insurance. I asked that if he was so appreciative of my loyalty, why was the $40 discount not offered up front on my original renewal. It's all lip service. What a scam!
While I am sometimes discouraged to know that cheaper insurance can be bought elsewhere, I am reminded often enough that my claims experiences have been 100% satisfactory. Most recently my 17-year-old daughter wrote off my mini cooper. As soon as I called in the claim, I was immediately provided with a rental car. A few days later the insurance was looking after physio and massage for the minor whiplash and concussion injury of the accident. (She walked away from a nasty collision). After a few more days I received a cheque to pay out the loan on the mini. It was as much as I paid for the used car which I'd bought only 5 months earlier. I had no arguments, and the rep called to ensure my daughter was receiving proper treatment. In other claims (there have been a few), all 100% fault to the other drivers, I have been given 100% satisfactory service. After the mini write-off, my daughter's car insurance soared through the roof, but a few months later she was off to University away from home. I was able to list her as living away, and while still insured as an occasional driver when home for holidays and the summer, my rates returned to pre-accident normal, since she was the primary driver on the mini but now removed. Wow, $4500.00 can buy a lot of uber rides for her while away.