Not at all .... I would never do that
What type of insurance rates is everyone getting in Ontario?
- Thread starter Pjmodi
- Start date
I BC, you are required to uy the basic Liability insurance through ICBC, however, there are options for collision, theft and comprehensive(vandalism, mishap, not while driving, and glass coverage) . Some options are good, however, there are companies like Belair, that require you to use their app......it uses the gyroscope in your phone to sense hard acceleration, sudden stops, as well as GPS(ie Google Maps) functions to sense how fast you are going. If it sees you are frequently speeding, or braking/accelerating hard, your responsibility will go up. You agree to this when you purchase these policies. My normal commute ho.e from work on HWY 1 - you will go over the limit(90kms/hr) several times just going the flow of traffic.
What starts out to be a cheaper policy can quickly increase......no thanks, happy to pay a fixed rate, amd not be monitored that closely by big brother!!!
Try Hagerty, Cooperators wanted 8 grand from me. Then said no due to modifications. Hagerty did it for $2800.00 with I think $120 grand value.
Yeah I’m a bit stuck this year to be honest. I got a stunt driving and suspension this past year on 2024. Although my insurance doesn’t reflect any of that and it shows clean on the renewal, I really don’t think shopping around until March 2027 will make sense but I am going to try. My record was clean for 12+ years. Just bad timing. New job downtown and had to get to the kids to pick them up and dinner. Pushed it a bit and got busted.
90+ in a 50?
80 in a 40
100 in a 60
110 in a 70
130 in an 80
140 in a 90
150 in a 100
160 in a 110
Driving in a race or contest while performing a stunt
All of the above
I love this one.
- Driving on a bet or wager
I bet you couldn't drive all the way home with 2 hands.
AxeZ06
Power User
I'd beat every one of those above in court!! (you needed to post 161 in a110, etc)
Stunt driving can also include:
- driving with a person in the trunk of the motor vehicle.
- driving while the driver is not sitting in the driver’s seat.
- driving to prevent another vehicle from passing,
- spinning a vehicle or cause it to circle, without maintaining control over it.
- cause some or all of its tires to lose traction with the surface of the highway while turning.
- driving that indicates an intention to drive, without justification, as close as possible to another vehicle, pedestrian or fixed object on or near the highway.
- lift some or all of its tires from the surface of the highway, including driving a motorcycle with only one wheel in contact with the ground.
- driving two or more motor vehicles side by side or in proximity to each other, where one of the motor vehicles occupies a lane of traffic or other portion of the highway intended for use by oncoming traffic for a period of time that is longer than is reasonably required to pass another motor vehicle.
- stopping or slowing down in a manner that indicates the driver’s sole intention in stopping or slowing down is to interfere with the movement of another vehicle by cutting off its passage on the highway or to cause another vehicle to stop or slow down in circumstances where the other vehicle would not ordinarily do so.
I did all of these when I rolled the car. I was only charged with careless. lol.
I landed upside down so none of my wheels were on the surface of the highway.
I landed upside down so none of my wheels were on the surface of the highway.
- spinning a vehicle or cause it to circle, without maintaining control over it.
- cause some or all of its tires to lose traction with the surface of the highway while turning.
- lift some or all of its tires from the surface of the highway.
Yeah but you're a rebel....
I would like to set the record straight so nobody loses their license from something they read.
Section 3-7.1 Driving a motor vehicle at a rate of speed that is 150 kilometres per hour or more.
Indeed 160kmh in a 110kmh would do it with a little icing on the cake, but in 110kmh zones in Ontario you only have 39kmh (149kmh total) leeway until your car is going to the pound.
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Definition, “stunt”
3. For the purposes of section 172 of the Act, “stunt” includes any activity where one or more persons engage in any of the following driving behaviours:
1. Driving a motor vehicle in a manner that indicates an intention to lift some or all of its tires from the surface of the highway, including driving a motorcycle with only one wheel in contact with the ground, but not including the use of lift axles on commercial motor vehicles.
2. Driving a motor vehicle in a manner that indicates an intention to cause some or all of its tires to lose traction with the surface of the highway while turning.
3. Driving a motor vehicle in a manner that indicates an intention to spin it or cause it to circle, without maintaining control over it.
4. Driving two or more motor vehicles side by side or in proximity to each other, where one of the motor vehicles occupies a lane of traffic or other portion of the highway intended for use by oncoming traffic for a period of time that is longer than is reasonably required to pass another motor vehicle.
5. Driving a motor vehicle with a person in the trunk of the motor vehicle.
6. Driving a motor vehicle while the driver is not sitting in the driver’s seat.
7. Driving a motor vehicle at a rate of speed that is 40 kilometres per hour or more over the speed limit, if the speed limit is less than 80 kilometres per hour.
7.0.1 Driving a motor vehicle at a rate of speed that is 50 kilometres per hour or more over the speed limit, if the speed limit is 80 kilometres per hour or more.
7.1 Driving a motor vehicle at a rate of speed that is 150 kilometres per hour or more.
8. Driving a motor vehicle without due care and attention, without reasonable consideration for other persons using the highway or in a manner that may endanger any person by,
i. driving a motor vehicle in a manner that indicates an intention to prevent another vehicle from passing,
ii. stopping or slowing down a motor vehicle in a manner that indicates the driver’s sole intention in stopping or slowing down is to interfere with the movement of another vehicle by cutting off its passage on the highway or to cause another vehicle to stop or slow down in circumstances where the other vehicle would not ordinarily do so,
iii. driving a motor vehicle in a manner that indicates an intention to drive, without justification, as close as possible to another vehicle, pedestrian or fixed object on or near the highway, or
iv. making a left turn where,
(A) the driver is stopped at an intersection controlled by a traffic control signal system in response to a circular red indication;
(B) at least one vehicle facing the opposite direction is similarly stopped in response to a circular red indication; and
(C) the driver executes the left turn immediately before or after the system shows only a circular green indication in both directions and in a manner that indicates an intention to complete or attempt to complete the left turn before the vehicle facing the opposite direction is able to proceed straight through the intersection in response to the circular green indication facing that vehicle. O. Reg. 455/07, s. 3; O. Reg. 320/19, s. 1; O. Reg.
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I was hoping the Stunt Driver would post his/her/insert your own pronoun details of infraction. It will be help me form the basis of my next post...
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I am 53, no tickets and live in rural Ontario. I paid $900 last year for my C8 with $2M liability and a $5000 deduct with CAA insurance.
Ah . That explains a lot. Doesn’t explain why you aren’t putting more miles on it though although I know you young guys have a lot on the go with kids , work and dishes , lol.hey ... well they say its 4000 km per year .... but I have them beat .... July 28th of this year will be 4 years that I have had this beast and there is only about 6000 kms on it ...
I see a lot of these infractions almost on a daily basis and there’s a foot of snow on the road…….except maybe the 150 k .
12cents
Power User
A young lady was nabbed here yesterday doing 171. It goes on all year 
Yours Truly
Why/me
Get ready.... my renewal just doubled with CAA - no accidents or tickets PLUS a $1500 surcharge if I don't install an engine immobilized to their spec.
And another customer lost by caa…….
That sounds bogus...I just got my Co-operators renewal this week...less than $900 with no conditions...$1,000 deductible.
Why would I BS about that? I suspected Co-operators used the ON Star reports purchased by some insurance reporting companies like Lexusnexus to check my braking and acceleration records but GM and Lexusnexus denied it was used in Canada.