续汽车保险的乡亲们请注意
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whitegret
大妈
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我的也是，简直不能相信，多了优惠，最后保费居然还高了。
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没啥误导的。我曾经注意到这个，所以我才会打电话给保险公司。
读一下：
Driving Concerns
Is there an insurance discount for winter tires?
JASON TCHIR
Special to The Globe and Mail
Published Tuesday, Oct. 20, 2015 5:00AM EDT
Last updated Thursday, Oct. 22, 2015 12:17PM EDT
Less than half of Ontario insurers provide a discount for winter tires. That’s set to change in January, but it’s up to your insurance company to decide how much you’ll save, says Ontario’s insurance regulator.
“The regulation does not specify the amount of the discount to be offered to encourage competition among insurers,” Financial Services Commission of Ontario (FSCO) spokesman Malon Edwards said in an e-mail statement. “FSCO does not set insurance rates, and we do not set the discount for winter tires.”
Queen’s Park announced last week that, starting Jan. 1, all insurance companies will have to give a winter tire discount.
You’ll only get it if you’re renewing your policy or starting a new one after that date. And, even then, you’ll likely have to ask for it. And, if you’re renewing your policy before the new year?
“Consumers renewing their policy before Jan. 1, 2016 and who install winter tires, should shop around for the best possible rates and the coverage that fits their needs,” Edwards says. “Drivers whose policy renewal is on or after Jan. 1, 2016 should call their insurer to inquire about a possible mid-term discount on their auto insurance premiums.”
There’s a chance your insurer might already offer a winter discount. Or that you can find one who will. About 45 per cent of companies offer them now, Edwards says.
“The standard [winter tire discount] in the insurance industry prior to it being mandated was 5 per cent,” says Anne Marie Thomas with Insurance Hotline, a rate comparison site. “It’s worth asking about because if you already put on winter tires, you’re getting a discount for something you’re already doing.”
Thomas says the discounts companies are giving now usually apply for the full year. Companies usually require four winter tires. They typically have to be on your vehicle between November and April. If you’re paying Ontario’s average rate of $1,455 – the highest in the country – then a 5 per cent discount for installing winter tires would be about $72.
Ontario is the only province requiring insurance companies to give a discount, the Insurance Bureau of Canada says.
“It’s important that they made that discount announcement the day before they revealed that rates haven’t declined very much,” says Maia Bent, president of the Ontario Trial Lawyers Association (OTLA). “We certainly support the use of winter tires, but we are not optimistic this will put any more than a small amount of money in the hands of consumers.”
Last week, the FSCO released a report of the rate changes granted to 40 insurers in the third quarter of 2015. Rates decreased by 0.5 per cent on average.
In 2014, Ontario promised to cut average rates, industry-wide, by 15 per cent by August, 2015.
“Rates approved by FSCO have decreased by approximately 6.96 per cent on average since August, 2013,” Edwards says.
But even that rate decrease doesn’t mean most insurance customers have had their rates go down significantly – or at all.
“I have not heard of anyone who has seen a significant rate reduction – $20 a year to my mind is not significant,” Thomas says. “Companies have shareholders to satisfy – they have to be shown to be making money.”
In 2010, Ontario reduced benefits paid out to people injured in accidents – and it saved insurance companies $2-billion, Bent says.
“The government was hoping the money insurance companies saved would be passed on to consumers,” Bent says. “That didn’t happen.”
Last week, the OTLA released its own report by two York University professors showing that Ontario insurance companies made big profits – as much as an 18.5 per cent return on equity. “Who in this economic climate is making 18.5 per cent?” Bent says. “So clearly there is room to restore benefits to accident victims and bring down premiums.”
What you need to know about the winter tire insurance break
The Ontario insurance discount for winter tires takes effect Jan. 1. It’s a good idea, but has a long payback.
SUCHAT PEDERSON/THE NEWS JOURNAL / AP
The Ontario car insurance discount for winter tires takes effect Jan. 1 It's a good idea, but the actual saving is modest.
By: Adam Mayers Personal Finance Editor, Published on Mon Oct 26 2015
A very small piece of Ontario’s efforts to drive down the cost of car insurance is a new requirement that insurers offer a discount for snow tires by this coming Jan. 1.
When I say small, I mean it. If you buy new tires, the payoff is seven to 10 years away, and by then the car may be long gone.
So should you bother? I’d say so. This is really about safety, not insurance, despite how the Ontario Liberals have cast the move.
For anyone commuting in and out of Toronto and its freeze-thaw weather, winter tires are a must. I’ve had them for a decade and wouldn’t go back. The road grip and handling are far better than on our second car, which has all-season radials.
The discount is likely to be about 5 per cent of the cost of a policy. Since the average GTA car costs $1,600 to insure, according to the Insurance Bureau of Canada, you may save $80 per car per a year with winter tires.
The cheapest winter tire sold by my garage is $135 plus tax, or $610 for four. You can, of course, get cheaper or more expensive ones depending on where you shop. But in this example, the break-even point is 7.6 years.
What the Ontario initiative illustrates very clearly is the importance of shopping around. There are more than 50 companies offering car insurance in this province, and their discounts vary based on their claims experience. Some already offer the winter-tire discount. Some won’t tell you it’s available unless you ask. Going online to compare prices is easy.
So here’s what you need to know:
When can I get the discount?
All Ontario insurers must offer something by Jan. 1, 2016. But provincial finance minister Charles Sousa’s office says 45 per cent of them already do so.
I’m renewing before Jan. 1. Can I still get the discount?
Not unless your company already offers one.
My policy with TD Insurance Meloche Monnex (Security National) renews in two weeks. An agent told me over the phone last week the discount is not available until January, but did not know how much it will be.
He advised me to call back then and ask for a policy adjustment. Crystal Jongeward, a spokesperson for TD Insurance, says the discount could be up to 5 per cent.
How much is the discount?
It will vary, but will come in at between 3 and 5 per cent. The province only requires something, but doesn’t set a number. Compliance will be monitored by the Financial Services Commission of Ontario, the provincial regulator.
As always, pay attention to the fine print. The discounts will likely not apply to the entire policy, just part of it. For example, Aviva Insurance has offered winter tire discounts since March, 2014, says spokesman Glenn Cooper. For Aviva, safer driving means fewer accidents, fewer claims, higher profits and lower prices for its customers.
Aviva’s discount is 5 per cent of the collision portion of the policy, which is about 90 per cent of the total cost. So 4.5 per cent is the overall reduction. TD Insurance is calculating its reduction the same way.
The discount is also made per car. So if one of yours has snow tires and the other doesn’t, cut the discount in half.
Have your say
Do you have snow tires on your car?
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What proof will I need?
Your declaration is enough. But should you get into an accident and the tires aren’t there, watch out. Keep a copy of the receipt and call your insurer when the tires are put on.
I have all-season radials. Do they qualify?
No.
Must the snow tires be new?
No.
How many tires must I have?
Four.
When do the tires have to be on thecar?
That depends.
TD’s Jongeward says the tires must be in place between December 1 to March 31 for their policy. Aviva’s Cooper says to have them on from November through April.
The Ontario Liberals are trying to cast the winter tire initiative as part of their pledge to reduce car insurance, seeking to show progress on their stalled promise.
It’s still a good idea, but their real focus should be on substantive ways to reduce the most expensive auto insurance in Canada. Two and a half years after their pledge to reduce rates by 15 per cent, they’re less than half-way there.
The real energy should be aimed at eliminating fraud, keeping insurance companies in line, ensuring reasonable compensation to accident victims and keeping lawyers from driving up settlement costs every step of the way.
In the meantime, let it snow.
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