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      09-17-2021, 08:22 AM   #1
drivetolive
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Insurance in Ontario?

I'm curious to hear about your experiences in Ontario with insuring your Z4 M Coupes. Current Blue/Black Book Value is $6,500, yet the market value is obviously much higher.

My insurance company (AllState) is indicating they will only cover the Blue/Black Book Value if the car is deemed a total loss. However, the Customer Service Agent also seemed a little unsure and said that any applicable payouts or values can't be determined until there is an actual incident. They also indicated getting an appraisal is futile.

My company did recommend pursuing a policy with Haggerty, who I will be following up with. But I am curious what others' experiences are with the various companies in Ontario?

Thanks.
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      09-17-2021, 08:23 AM   #2
dbarton62
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Haggerty treated me right.

Insured for appraised value.
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      09-18-2021, 11:39 AM   #3
drivetolive
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Thanks for the suggestion. A quick search of Haggerty indicates that they will not insure DD cars, and/or cars driven more than 8,000km annually. What other options are there since I will likely exceed that mileage in the summer months?
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      10-01-2021, 12:07 PM   #4
Lucky1
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$6,500? Wth?? Should I be phoning my company (Allstate) to verify coverage? Thats too low if talking replacement cost for total loss.
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