Well - we're taking the plunge this week and switching our cars and drivers' licences to Nova Scotia. To do this, of course, we have to have insurance coverage in Nova Scotia and vehicle safety checks.
We have had ING policies in Ottawa - one to cover our Ottawa home and 3 cars and a seasonal one for the Lockeport house. In order to have a comprehensive policy for Lockeport, we had to get the Ottawa policy listed in Bob's name (ING doesn't allow you to have 2 principle residences and pay them more insurance which seems like a strange policy to me). That was no problem since his name is on the Ottawa deed. Then we had to switch the ownership of the old Saturn to Bob's name - this is now a 6 step process in Ontario, commencing with a visit to a lawyer to have him notarize a form saying you are giving your son the car and your son accepting it. Then safety check, emission test, insurance proof, licence plate declaration, signing the ownership and standing in line for an hour at the licence office. That was all accomplished during our recent visit to Ottawa.
Friday I saw our insurance agent here, Debbie. She was our agent previously when ING let you have a seasonal policy in Nova Scotia without any other coverage by them - in 2006 they wouldn't renew so we had to get all our policies from them through our Ottawa broker since our then Ontario insurance company (Gore) wouldn't insure anything in Nova Scotia. Anyway, we are now back with Debbie.
Within an hour, she had done all the paperwork to set us up with comprehensive house insurance and insurance for both cars - better coverage by far than we had in Ottawa. Then she calculated the total bill for the policies. For $13/month more than we paid for seasonal coverage at Ontario rates. we get the comprehensive house insurance plus the insurance on the 2 cars here - same company, same vehicles, same house, same country, different province.
Weird but we'll take the savings gladly!
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