Insurance for a driver with no experience.

Discussion in 'Questions From New Drivers' started by ivan1x, Sep 28, 2020.

  1. ivan1x

    ivan1x Bobtail Member

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    Sep 28, 2020
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    I've been calling every insurance company and brokerage in Ontario today trying to get insurance and here I am still with no insurance. Every broker I spoke to said that they require me to be on someone else's policy for 3 years before I can get my own. But that's not an option for me. So I am hoping someone went through this and perhaps has an answer for me. Where can I insure my truck and get it on the road without prior experience?
    I have a 2007 Hino straight truck that can be driven with a G license. But it is considered a heavy vehicle because it is 6,314 kilograms.
    Any ideas?
     
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  3. TNSquire

    TNSquire Light Load Member

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    If you have a farm, look into the farm exemption...
     
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  4. ivan1x

    ivan1x Bobtail Member

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    Wouldn't that get me in trouble? I'm sure I could lie to the insurance company as to what I'm doing and get a policy. But what are the consequences if say I get in an accident somewhere around Hamilton with 6 pallets of newspapers on board while the farm that the truck is insured for is in a small town near Ottawa and has nothing to do with what I am actually using the truck for.
     
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  5. Chinatown

    Chinatown Road Train Member

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    Does Canal insure in Canada?
    `
    Overview | Canal Insurance
    Overview | Canal Insurance
    Since its inception in 1939, Canal Insurance Company has been dedicated to serving the transportation insurance industry. In a business that is continuously evolving, Canal Insurance Company remains one of the few constants you can rely on. Canal’s claims reporting hotline is available 24/7 – 365. In the event of a catastrophic loss, Canal can deploy its Rapid Response Team directly to the scene.
     
  6. bryan21384

    bryan21384 Road Train Member

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    If it ain't an option, to be on someone else's insurance, it may have to be. With no experience, you'll have to prove yourself. Wither that or pay exorbitant premiums.
     
  7. TNSquire

    TNSquire Light Load Member

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    In the US, there's an ag exemption for certain instance .
    The rule is you have to be hauling "your agricultural products" to a buyer directly from "your farm ".
    Many guys around here run that to haul logs, grain, etc.
    When I looked into it, the difference in cost per year was 24k for commercial insurance, 2500 a year for ag insurance.
    Figure out how to make the rules work in your favor, instead of working against them.
    Now, obviously, I'm not about to tell you to do something illegal or underhanded.
    That would be rude of me.
    What I am saying is, learn the rules, and figure out how to make them work for you.
     
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  8. Doealex

    Doealex Medium Load Member

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    At his first inspection OP is going to get a huge ticket, and his record is going to be ruined.
     
  9. Chinatown

    Chinatown Road Train Member

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    Maybe get an ag exemption by carrying a sheep in the truck with you.
    Probably have to modify the seat belt.
     
  10. Dockbumper

    Dockbumper Medium Load Member

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    I believe that was a statement. "If you have a farm". Not lie and SAY you have a farm.
     
  11. Moose1958

    Moose1958 Road Train Member

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    I hope you can find coverage. The insurance industry, in general, don't like to cover inexperience! Heck, even here in the US to insure a car cost a huge amount for an inexperienced driver. You might want to ask this question in the Owner-Operator forum. I hope you do find something.
     
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