I'm not sure I understand.   Are you insuring this for use on your acreage and to drive around for your personal use?  Or are you planning on using it for your business?   I presume the former.

Canadian Poncho wrote:

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No luck with CAA or Cooperators. Neither will touch a 3500 truck.

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 Who knew? This is so frustrating for you Todd. I hope you can sort something affordable out. 

Crazy , the gvw on new f250s/f150s, rams, silverados, is well beyond that? Tell them its not licensed for commercial use? Im guessing that wont work.

Try AAMunro in Stratford, they found me another insurance company when I had a stupid issue like this on my house policy. 

My neighbor had a problem on truck insurance with Economical, his broker put him with Intact  

Insurance companies keep buying each other up and reducing choice. 

Hey Todd,

Being a 25 years classic truck.....aren't you planning on restoring it?

Hagerty type insurance is much cheaper and  allow unlimited mileage every year for driving.

....as long as it's not being used as a regular driver.

Something to check out.

-G 

I have my 1997 suburban 8-lug diesel in Ontario with intact. Had to have it appraised to maintain collision coverages but even here in gta with collision and personal use its something around 1200 for the year. We had a 1999 Reg cab long box single wheel chev 3500 4x4 in a fleet I managed years ago and I remember it was a bit of a turd on paper sometimes.

My experience with making a claim through Intact Insurance:

- During one of our usual winter wind storms (90-ish km/h winds), the top of a tree near the house broke off and smashed into the siding, damaging an area of a few square feet.

- They had their appraisers look at it and appraised cost to fix the damaged area.

- I expressed concern that, since the siding had faded a bit over the years, that it wouldn't match up and there would be an obvious colour difference between the repaired area and the existing siding.

- Intact agreed to replace the siding on the entire wall of the house.

- Additionally they agreed to let me use a company that I was familiar with to do the repair, which was a little more expensive than the company they recommended.  

- Repair done, looks great.  

So... happy customer here, and would recommend, based on my personal experience.

BTW, it's good advice for everybody to always read the fine print of your insurance policy, and ask questions if there is something that isn't clear to you.  It's in your best interest to do so.  

And you get to keep the snow plow!

Greaser wrote:

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Don't know if INTACT in Ontario is different than Alberta, but my experience with Intact here in Alberta (we had them for years)

was not a pleasant one. They are fine when no claim was made. A "not our fault" getting rear ended claim was like jumping through hoops with them.

Another claim we made when an apartment we owned got flooded by the apartment above, turned into a insurance nightmare as well.

All insurance companies are great until you have to make a claim. Gauge your insurance company by the people 

who make claims, that's where get the truth about how good the company is.

Lesson learned....read the real small fine print each time they send your policy to you....maybe with a lawyer.

Just my opinion from my experience.

-G

 

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 Sorry to hear.  inhad one claim and they were no problem.  Quick and covered and back to normal in less than 2 weeks start to finish