insurance requires Structural safety Inspection????

[master hec0]

so my insurance agent just called me and I am being told that Aviva my insurance company is now Demanding a structural safety inspection because my car is RHD.
its a 89 nissan silvia. I want to know if they can actually require this or is it just some kind of bs ploy to avoid RHD cars.

I mean this vehicle passed all the inspections needed to be imported into this country in 03-04 why does it need this done. also i did give them a insurance inspection that said it passed.

[bart]

if someone were insuring a hunk of junk with me i would require the same thing

[AE92_TreunoSC]

Most RHD's are absolute crap and I don't know how so many passed the OPI.

I don't blame them either.

Change companies if you don't like it.

[master hec0]

thanks for the useless advice.

basically what im asking is do they have any legal grounds to deny me coverage based on a rhd bias.

because as far as I understand the standard insurance inspection is the only legal requirement.

[Agent_Oorange]

They are private companies they don't have to insure you if they don't feel like it.

[Tik-Tok]

Originally posted by master hec0


basically what im asking is do they have any legal grounds to deny me coverage based on a rhd bias.

because as far as I understand the standard insurance inspection is the only legal requirement.

Insurance inspection is not a legal requirement. Only OOP ones. Perhaps you should just get your car inspected, or find a different company that's more RHD friendly?

Even better, you should call the good Rev. Jesse Jackson, and bring these assholes to court on racism charges.

[master hec0]

so basically insurance companies can make up any sorta bs reason if they dont want to insure a vehicle?

[sr20s14zenki]

Yep, change companies, they obviously dont want to insure RHD. From what my wife tells me (insurance broker) they cant DENY you coverage, HOWEVER they can make it difficult to impossible for you to get it, its because they dont want RHD cars...period. I believe because of the "All comers rule" they cant DENY you basic liability. Could be wrong, thats what i get from it.

[Speed_69]

Originally posted by master hec0
so basically insurance companies can make up any sorta bs reason if they dont want to insure a vehicle?

You can always insure your car through the facility market (Nordic Insurance). This is for people with bad driving records and all the other crap that other insurance companies don't want to insure. This market has to provide you third party liability insurance. You are going to love their rates

[Tik-Tok]

Why don't you just get the inspection done? Is your car structurally unsound? You'll have to pay for another general safety inspection with a different company anyways if you switch...

[master hec0]

I already paid for a insurance inspection a month ago i dont see why i need to incur more costs.

[FraserB]

Originally posted by master hec0
I already paid for a insurance inspection a month ago i dont see why i need to incur more costs.

Because they want one. If you don't like it, get a new company. The amount you are resisting this it sounds like you have a real shitbox, so Im glad they are making you do this.

The dont have to make it easy to get insured.

[Cos]

Insurance companies are under no legal obligation to give you anything more than PLPD (and that I am not even sure about).

[master hec0]

Originally posted by Cos
Insurance companies are under no legal obligation to give you anything more than PLPD (and that I am not even sure about).

thats all i want.... and im sure it would pass a structural inspection. i just dont want to pay for it if I dont have too.

[89s1]

Originally posted by master hec0



thats all i want.... and im sure it would pass a structural inspection. i just dont want to pay for it if I dont have too.

But you DO have to.

...unless you change companies.


I understand you're cheap but those are your options...

[Xtrema]

Originally posted by master hec0



thats all i want.... and im sure it would pass a structural inspection. i just dont want to pay for it if I dont have too.

Shop around then.

Find one that doesn't require inspection. It's pretty clear that Aviva doesn't want your business. Take it elsewhere. Be thankful that you are not in BC where you don't have a choice and ICBC deem RHD are 40% more likely to crash.

http://www.icbc.com/road-safety/safe...hand-drive.pdf

[bignerd]

I was told that no company can deny you coverage as it is law you have to have insurance to drive a vehicle.

I ran into this with my motorcycle looking for insurance, lots of places don't want to insure a street bike but technically they cannot say no, so they would just quote you some insane price like $5300 a year for insurance. Obviously you will not go with them.... so yes they can make up whatever rules they want and just make it difficult so you go somewhere else.

I don't even know where you would take a car for a structural inspection. I am sure if you call around you can find an insurance companty that will not require this and just give them your business instead.

[rage2]

Originally posted by bignerd
I was told that no company can deny you coverage as it is law you have to have insurance to drive a vehicle.

I ran into this with my motorcycle looking for insurance, lots of places don't want to insure a street bike but technically they cannot say no, so they would just quote you some insane price like $5300 a year for insurance. Obviously you will not go with them.... so yes they can make up whatever rules they want and just make it difficult so you go somewhere else.

I don't even know where you would take a car for a structural inspection. I am sure if you call around you can find an insurance companty that will not require this and just give them your business instead.

Technically, they're not saying no. They're asking him to do the inspection before they sell him insurance, something they are entitled to do.

As for the inspection, that would be the inspection done for getting salvage vehicles back on the road. It's a pretty extensive inspection.

[G-ZUS]

Originally posted by FraserB


Because they want one. If you don't like it, get a new company. The amount you are resisting this it sounds like you have a real shitbox, so Im glad they are making you do this.

The dont have to make it easy to get insured.

If it is in the same shape that Ranger he is/was selling is in, I'd bet it's a huge POS.

[master hec0]

Im leaving the country in 9 days Any recommendations on where to go that is end friendly