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Thread: Aviva is refusing to allow collision on any car over 500hp (split)

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    Default Aviva is refusing to allow collision on any car over 500hp (split)

    Quote Originally Posted by Kloubek View Post
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    Finally replaced my second XF with...

    Another XF. But this one is a little special. So powerful, in fact, that my insurance company is refusing to insure it.

    Attachment 84912

    Why won't they insure it?

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    what did Touchstone say? Also, sick car.

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    Quote Originally Posted by Kloubek View Post
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    Thx. Sorry... It's not -that- special. Its the "R" model, which besides other upgrades also comes stock with 510hp.
    Figured it was an XFR with mods. Wierd that they wont insure it.

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    Quote Originally Posted by cyra1ax View Post
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    They're refusing to insure (what I'm guessing is) an XFR?
    Yeah. Weird eh? As of April, Aviva is refusing to allow collision on any car over 500hp. I could insure it with basic, but thats out of the question so I gotta switch companies. I work with a broker so I feel I can get a deal elsewhere. Since Aviva tried insisting on paying me out for a regular xf when my last supercharged model got written off, I was considering moving anyway.

    I'm on the fence about modding it. 510 seems sufficient with a 0-60 of 4.3, but it goes up to <redacted> Ninja edit on the tuned power. 635 was a claim proven to be false. 60hp more is the best I can expect and even that is optimistic. I'll likely keep it stock.
    Last edited by Kloubek; 02-17-2019 at 11:41 PM.

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    Quote Originally Posted by Kloubek View Post
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    Yeah. Weird eh? As of April, Aviva is refusing to allow collision on any car over 500hp. I could insure it with basic, but thats out of the question so I gotta switch companies. I work with a broker so I feel I can get a deal elsewhere. Since Aviva tried insisting on paying me out for a regular xf when my last supercharged model got written off, I was considering moving anyway.

    I'm on the fence about modding it. 510 seems sufficient with a 0-60 of 4.3, but it goes up to 635 with a tune and pulley. Drool.
    Do you a document stating that any vehicle over 500 hp won't be insured via Aviva?

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    500 hp really isnít that hard to come by these days. Odd business decision.
    Originally posted by Thales of Miletus

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    fact.

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    Quote Originally Posted by ganesh View Post
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    Do you a document stating that any vehicle over 500 hp won't be insured via Aviva?
    No, I cant find anything online about it. But according to the broker, that is their rule come April.

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    Quote Originally Posted by Kloubek View Post
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    No, I cant find anything online about it. But according to the broker, that is their rule come April.
    If I were you I will be asking the broker to provide that.

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    Yeah, honestly I would have my doubts about that. Sounds ridiculous.

    Nice car.

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    500 HP is not uncommon at all these days (in the grand scheme of things), I would be very surprised to hear that a major insurance carrier won't even insure them. Even a 10 year old POS CTS-V had over 500HP. If it turns out to be true (via an actual notice from the insurance company), maybe start looking for some other quotes - shoot MaskedBandit a PM.

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    Very odd of that insurance company. You'd think they would look at it from a pure numbers perspective, and if they did they would see more people crash in 100hp cars than 500hp cars. I see way more Hyundai Accents and Kia Rios in the ditch than supercharged jags.

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    Quote Originally Posted by Sentry View Post
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    Very odd of that insurance company. You'd think they would look at it from a pure numbers perspective, and if they did they would see more people crash in 100hp cars than 500hp cars. I see way more Hyundai Accents and Kia Rios in the ditch than supercharged jags.
    Like a lot of pricing in Canada, they determine that you have money and that you will pay so they adjust their prices accordingly. It would be "un Canadian" to complain.

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    Aviva isn't the only company pulling this stunt, Economical has implemented an underwriting rule with similar limits (can't recall if it's 500 HP or 650 HP). I've got a guy with a Demon that I'll have to move next month. Hear me now, believe me later...auto insurance in Alberta is going to get a lot worse in the next three years.
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    Quote Originally Posted by ThePenIsMightier View Post
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    Like a lot of pricing in Canada, they determine that you have money and that you will pay so they adjust their prices accordingly. It would be "un Canadian" to complain.
    "price optimization" is a real thing. Look it up and get angry.

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    Anything we should be doing now to help minimize it? Can I get a 2 year rate freeze?


    I've heard the biggest thing for auto is avoid getting tickets because of companies increasing rates for any demerits by up to 50%
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    Im the one with a learning disability....

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    This reminds me of when I first came to Alberta and half the insurance places wouldn't insure me because I was under 25

    The government will need to step in and lay down the law for this. Road legal vehicles deemed safe by the province and sold here should qualify for insurance. It might be 500hp today, but if you let them trim out cars like this it might be RWD tomorrow, and then sports cars in general after that.

    If the government is going to mandate we must have insurance, then they are also obligated to curb this kind of selective insurance right away. They also need to cap pricing, just like they did with under 25 drivers.

    I suspect that insurance companies started with 500hp to test the water... easy to get public opinion with "why do people need cars with 500+ hp".
    Last edited by Sugarphreak; 02-18-2019 at 11:11 AM.
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    Quote Originally Posted by Sugarphreak View Post
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    This reminds me of when I first came to Alberta and half the insurance places wouldn't insure me because I was under 25

    The government will need to step in and lay down the law for this. Road legal vehicles deemed safe by the province and sold here should qualify for insurance. It might be 500hp today, but if you let them trim out cars like this it might be RWD tomorrow, and then sports cars in general after that.

    If the government is going to mandate we must have insurance, then they are also obligated to curb this kind of selective insurance right away. They also need to cap pricing, just like they did with under 25 drivers.

    I suspect that insurance companies started with 500hp to test the water... easy to get public opinion with "why do people need cars with 500+ hp".
    Yes, because gov't mandated price controls always work out well.

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    There is another guy i know in a FB group complaining about Aviva. Apparently been with them for years, and now they are demanding yearly premiums in 1 lump sum, and not allowing anyone to do monthly payments anymore. Seems like Aviva is trying to thin the herd...
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    The problem at the moment is that the personal injury stuff on the claims side has gotten out of hand again, just like it was pre-2004. Way back then it wasn't uncommon to see a claim come through with $2,000 - $3,000 in vehicle damage but then the injury payout would be North of $50,000. In 2004 the provincial government amended the Insurance Act to A) bring in the GRID program and B) cap soft tissue injury payouts @ $4K for pain & suffering (minor whiplash essentially). We had stability in the marked for a LONG time and TBH I'm surprised it took the lawyers this long to find a way around the cap. Over the last few years we've seen a return to the $2,000 - $3,000 vehicle damage claims with injury money going well over $50,000 again. How does it happen you ask? Well nobody has whiplash anymore, they all have concussion / TMJ symptoms which are not addressed by the wording on the cap, so all bets are off. The NDP has come out and said to the industry that they aren't going to change anything on their end so we need a change in government and a public appetite to reign in the lawyers again. That kind of shit takes time so that's why my guess is at least 3 - 5 years of complete shit on the auto side of the insurance industry in Alberta. Big rate increases and restricted coverage will be the order of the day until the bullshit injury payouts are addressed.
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    I don't understand the "hp limit" though. A 150hp car can still cause $50g in injuries, and there's a lot more of them out there.

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