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View Poll Results: Do you have insurance coverage for your reptiles???
Yes- I'm fully covered 4 6.90%
Yes- I think it's in my policy but not sure 6 10.34%
No- I can't find an insurance provider that will cover me 17 29.31%
No- i don't have enough reptiles 21 36.21%
Insurance who needs that nothings going to happen 10 17.24%
Voters: 58. You may not vote on this poll

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Old 02-03-04, 10:59 PM   #61 (permalink)
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Hey ..screw this goof...I PMed him to meet me for a nice Hot cup of coffee...the wimp will not show up ..he is stuck to his computer terminal from the porn he orders...cant see his credit card number too much K-Y on it.....man, that jerk got me going...lol
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Old 02-03-04, 11:45 PM   #62 (permalink)
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Wow! You're pretty defensive! I never called you a thief. (Although, you may have a guilty conscience, I don't know what you've done in your life) I suggested that you may be bitter OR you may be paranoid that everyone is out to get you. Do you honestly think that the insurance industry somehow rounded up tens of thousands of cruel, immoral people to bilk you out of your money?!? That's rediculous!!

I am being completely honest with you. I have nothing to gain from lying. I don't care if you have insurance. I haven't even mentioned who I work for, so it's not like I am trying to promote my company. In fact, I have supported checking out several of our competitors in this forum.

I have to pay for insurance too. It's not cheap for me either. I have one at-fault rear-ender a year and a half ago (doesn't matter how much damage is done, rate goes up the same amount) and it costs me $3500 a year and that's with a 20% employee discount. So, don't think it doesn't affect me. I would love to be paying half of that.

The fact of the matter is that you are doing nothing more than pointing fingers. If you want you be proactive, I have already mentioned the direction you should take. Write to your local MP and demand legislation that caps payouts. The reason insurance is so expensive is because with the current bill, people often get $20,000 for whiplash. Two weeks off work and a new boat. Paralegels screw us every way possible. As of recent, they will finally be governed by the Law Society of Upper Canada. Hopefully, that will help reduce fraud - thus reducing premiums.
Paralegals aren't the only problem. Fraud is widespread. You know those tapes on Real TV. The ones where they record a guy who claims he can't work, moving a fridge. Our investigation department has a whole room of tapes like that. As I've said before, 10% or more of claims contain some element of fraud.

Once again, I have nothing to gain by lying to you. A few years ago I felt the same as you did about insurance companies. Now after working in the industry for a few companies, I have had a chance to observe their practices. Believe me, the insurance industry is made up of thousands of caring people. They do not want to screw you. They have friends and family who have been through the claims process. The employees in my company donate close to a hundred grand to United Way every year, out of their own pockets. (which the company matches) That's well over $500 per employee. As well, they are constantly organizing charity events. These people obviously care about about others, yet you don't hesitate to call them (and myself) thieves without actually knowing what you are talking about. Then, after calling myself and my co-worker thieves, you have the audacity to get defensive when I suggest that you MAY be bitter towards an insurance company. Maybe a friend of yours tried to get something extra out of their claim and got caught. I don't know, but you seem pretty bitter, considering you claim to have never had filed claim. And then you actually imply a threat. That's real mature buddy!

For anyone out there that appreciates the advice from someone in the industry who actually cares, I'm happy to provide to. (Even though again, I have nothing to gain at all) For anyone else who is closed-minded and determind to prove that we are getting screwed by the insurance companies, I'm no longer going to bother wasting my time with you. I started off trying to help, but obviously there is no point with some people.
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Old 02-04-04, 12:38 AM   #63 (permalink)
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It's easier to believe that corporate greed is at play here than it is to believe that fraud and litigation costs are the reason many Ontario drivers have seen their premiums double or triple in the last two years. Right, there has been that much more fraud and litigation in that short time span. If you're going to tell a lie at least make it a plausible one.

As for how you gain from regurgitating skewed and biased "studies" and statistics to explain away this shameless gouging, only you would know that info.

I'm still shaking my head about you referencing the corrupt and biased Fraser Institute.... This is the same bunch that has been spreading lies on behalf of corporate interests across the country not just biased in favour of private auto insurance. They did fake, junk science so-called "studies" in favour of private electricity, private health care and private education. Anyone else see a theme here? Corporate Canada wants to make money off any and all public assets they can get their greedy little fingers into. They dress up their lies with talk of "consumer choice" and lower taxes but in the end we have seen with auto insurance gouging, and the collosal failure of electricity privatization that it's really all about greed.
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Old 02-04-04, 01:29 AM   #64 (permalink)
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This has got to be one of the most informative and interesting threads that I have read in a long time. Thanks Jeff and Colin for all the usefull and practical information.
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Old 02-04-04, 11:17 AM   #65 (permalink)
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I, for one, would like to thank C_Ellenzweig for the useful info that was provided.

chas*e on the other hand, is being a serious dumbass. Somehow they took a thread seeking answers people could use, and turned it into a bitchfest against insurance, and then a name calling contest. Grow up.

I don't like having to be forced to pay insurance by government decree. I think that stifles competition, which in turn allows lawyers to say "Everyone has insurance, let's get the biggest payouts we can for our 30% cut." Without the laws that say I need car insurance though, I'd still buy it. During my commute each week in the winter I usually manage to avoid at least 2 major accidents. Drivers eating, talking on cell phones, or using bald all seasons during a snowstorm pop out of parking lots or drift into oncoming traffic without a care in the world. If I'm going to lose my car or my livelihood because of some idiot, I can at least count on my family to be supported during any downtime or, worst case, death.

If you have a big objection to insurance, try this. Don't buy it and stay off the road, since car insurance is the only obligatory insurance purchase needed.

I pay $1000 a year for a '99 Honda Civic 2 door, with a previous claim of $800 dollars for vandalism from a thief. The entire console had to be replaced. Insurance went DOWN the next year.

Home insurance is $20 dollars a month for $25,000 coverage. That would easily cover my electronics and computer equipment (which with the way prices drop due to technological progress would cost even less now). Furniture, good hardwood stuff, can be found very cheaply if you know where to go.

So if you have issues with your insurance company take it up with them. Not with someone who posts here to help other users understand coverage for reptile owners.
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Old 02-04-04, 12:13 PM   #66 (permalink)
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This is Chas*e....I Pm ed this collin jerk to say that a differance of opinion didn't mean anything and no hard feelings but NO he had to go on about whatever with rude PMs to myself...anyways..screw you and him...same to you...don't worry you will not hear from me on this stupid topic again...thanks for the support from this site and it's members....I have never been anything but helpful to all reptile owners and the reptile community...I have never seen this guy be anything period on any aspect of herpetocultue...how many groups or societies did you or colin start or support...anyways ..goodbye...charlie
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Old 02-04-04, 12:50 PM   #67 (permalink)
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sorry..thinking about ....had to erase my post..could get me introuble....professionally

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Old 02-04-04, 12:53 PM   #68 (permalink)
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Is this charade finally over? Anyways, thanks again to those of you who imparted information into this topic, the first half of this thread was informative.
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Old 02-04-04, 12:57 PM   #69 (permalink)
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If they were rude PMs you didn't need to bring them into this conversation between several people.

What does KY-Jelly and porn have to do with people comparing notes on their insurance?

I have no issue with posts in any other threads I've seen you post to. But if you think that bringing up groups or societies you've started or supported absolves you from any responsibilty to treat others with respect within a public forum, then some serious re-evaluation is needed.

If someone is out of line in their posts, I'll call them on it. Its not a popularity contest. If you get your temper up, wait a bit before posting and try something constructive. Especially since you're representing a business when you post in here.

Also, please refer to your own signature.
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Old 02-04-04, 03:00 PM   #70 (permalink)
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I, for one, would like to thank C_Ellenzweig for the useful info that was provided.
You're welcome, I'm happy to help!

Quote:
chas*e on the other hand, is being a serious dumbass. Somehow they took a thread seeking answers people could use, and turned it into a bitchfest against insurance, and then a name calling contest. Grow up.
Can you believe that, after straight-out calling myself and all of my co-workers theives and "the scum of the earth", this guy gets defensive when I imply that he may be bitter towards insurance companies. He even goes as far as to call me on (even posting his phone number) and send me email implying threats. That's real mature tough guy!

Quote:
This is Chas*e....I Pm ed this collin jerk to say that a differance of opinion didn't mean anything and no hard feelings but NO he had to go on about whatever with rude PMs to myself...anyways..screw you and him...same to you...don't worry you will not hear from me on this stupid topic again...thanks for the support from this site and it's members....I have never been anything but helpful to all reptile owners and the reptile community...I have never seen this guy be anything period on any aspect of herpetocultue...how many groups or societies did you or colin start or support...anyways ..goodbye...charlie
This is simply a lie. The only private message I received that an email. I would post it, but it would show up as mostly ***'s. Honestly buddy, look at the posts. You don't have much support on this thread. The people here want to know if their property is covered, not if you can quickly make up some BS about a topic you know nothing about.

Do starting a snake group in your mom's garage make you a herpetologist? Does it actually have anything to do with your experience? If you are so experienced and connected, why are you emailing me looking for hot reptiles? You obviously aren't too well known amongst Canadian herp keepers, or you would have lots of connections.

Quote:
Hey ..screw this goof...I PMed him to meet me for a nice Hot cup of coffee...the wimp will not show up ..he is stuck to his computer terminal from the porn he orders...cant see his credit card number too much K-Y on it.....man, that jerk got me going...lol
If you don't have anything intelligent to say... don't say anything at all.

If anyone else has any insurance questions, PM me & I'll do my best to answer them. Obviously there it's an issue to post them in public forums.

Colin
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Old 02-04-04, 03:55 PM   #71 (permalink)
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This is simply a lie. The only private message I received that an email. I would post it, but it would show up as mostly ***'s. Honestly buddy, look at the posts. You don't have much support on this thread. The people here want to know if their property is covered, not if you can quickly make up some BS about a topic you know nothing about.
I have to apologize about this. Chas*e did send me a PM trying to clear things up. I just didn't recieve the email announcing it, as my inbox was full.

Colin
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Old 06-16-04, 03:08 PM   #72 (permalink)
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Sorry to resurrect this thread but I have a question based on the information I gathered from this thread.

My questions is this, ok so some house insurance companies will cover reptiles as part of the policy and some won't. What about in cases where the animals are illegal to own in a particular municipality?

Common sense makes me think that if a by-law states the animal is illegal to own then no insurance company, even if they have a policy that doesn't exclude reptiles, would not cover reptiles in this instance. Also possibly because it is illegal to own said reptile would any equipment used or any accident's pertaining to that reptile void the house insurance?

Thanks
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Old 06-16-04, 11:31 PM   #73 (permalink)
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you hit it right on the head vengeance. no coverage.
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Old 06-17-04, 05:57 AM   #74 (permalink)
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See now here is the Grey area I'm kinda confused about. According to what was said in this thread, if a light or heat pad malfunctions by no fault of my own or my reptile then the house insurance should still be valid. But if the reptile is the reason for the fire then I'm not covered. But because the reptile being illegal it obviously wouldn't be covered for the fire no matter what, but in the case of an accident where the equipment was being used properly but being used for heating an illegal animal would I still be covered or would the insurance company go with the logic, if I wasn't keeping illegal animlas then the fire wouldn't have started, so no coverage.

I've just bought a new house and I'd hate to think that if the place ever caught fire I would lose everything I invested because I own reptiles so I'm just trying to get everything straight. Going to call an insurance company and see what they have to say, without giving my name ofcourse.
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Old 06-17-04, 02:55 PM   #75 (permalink)
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Good thinking - give em a call. That situation is a tricky one that I don't know the answer to. The fact that it's a bylaw makes it questionable. If it was a criminal act, it would definately void the policy - but it isn't.
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