Ontario BS Thread

Zer List:

1. @Norilsk
2. @Joe23 + Jeep friend
3. @NeonHeights
4. @tacoma16 (maybe)
5. @llamasmurf (have not verified with wife, but I am going )
6. @Canadianguy91
7. @Taco-Can (80%)
8. @Tridet167
9.

.... add yourself

Just gettng the list back on the last page for those looking and if anything has changed for those on the list. I know Josh might be out as the Jeep he was supposed to get didn't end up happening.

Also when's everyone planning on heading up?
I might take off work that day and head up early with Eugene so we can secure our spot.

 

I have now verified with the wife, and we will be showing up on Saturday morning, leaving Sunday afternoon sometime.

 

I think most of us are leaving Sunday morning. I know I am for sure . Need to be back to Toronto for 4 30 for grandfather's 95th

 

Nah right now it’s a small business reimbursing me.

Ok ya I thought something along those lines. I’m guna ask for more cause pulling a trailer and using the bed is added benefit

 

Exact same type of thing. What do you charge per km?

 

Ya this is all on work time, material pick ups

 

if a boss asked me to put company stuff in my personal vehicle I'd tell him to start paying the financing and insurance lol.

Personal vehicle go fuck yourself. Want me to move material give me a company vehicle.
I did it in the past fuck that. Then when something gets damaged in your car or truck from transporting it (in my case a ripped seat) they do fuck all for you.

 

• If whatever you are carrying damages your truck, employer won't cover it.
• If you get into an accident on the road, your insurance won't cover all the work materials, tools, and equipment.

Basically doing this occasionally is low risk. Doing this regularly can cause problems. Charging $0.54/km is fair, since it covers the average cost of fuel, insurance, wear & tear, maintenance, depreciation, etc. based on gov't data.

 

could even be turned around to the point where if your insurance is not to cover your vehicle as a work vehicle and you get in an accident and they find you were transporting stuff for work they could deny you coverage as it was not coverage for a 'work' vehicle.

 

I got his credit card

 

That’s possible. All depends on the situation

 

I'll be heading up Sat. morning. Just give me coordinates for meet up.

 

Insurance is not in the business of paying. If they can find a way not to they will.

That's why it's good to have them be aware you have a lift etc .Not covered if you don't want but just aware so they can't deny your coverage in the event something happened.

 

Cool

I want to do some of the north trail solo with the wife so we can do that before we head home

 

The insurance company is not an expert in judging whether your mods are road-legal. When in doubt, take your truck through a MOT safety inspection. This way you have a certificate showing your truck is roadworthy in compliance with Ontario regs. I did it a few years ago when I bought out my truck at lease end, because of the title transfer, so my bumper, lift, sliders, etc. are certified roadworthy. I do declare my mods with my insurer and purchased additional coverage though.

 

Well, Leo's bumper is roadworthy, dunno aboot your new one

 

its not a matter of legality in road conditions its a matter of discrepancy with policy.
It can happen.

I've seen guys with modified cars get fucked. and I was suggested it by a friend and after running it by my broker she agreed its good to have it documented. Not in the case of not having the vehicle covered in damage as that would be nothing compared to the cost if someone was injured or killed and they decide not to cover you because its not the vehicle the thought they were covering. And in legality sakes its well within their right to do so.

And road legal means fuck all for insurance making sure they cover you. Right hand drive is legal in canada but good luck finding insurance for it. It all comes down to the underwriters. Obviously they wont insure something that isn't road legal but just because its road legal doesn't mean it will be insured by your exact policy.
and Josh @NeonHeights just sold his truck because of something like this. With his 8" lift he decided to have his insurance be aware of it to make sure he is covered and then they dropped him as they said they do not insure over 3" of lift. And he sold it cause he couldn't find anyone willing to insure him.


For mine they just wanted proof it was installed by a certified mechanic

 

Its easy for everyone, especially @NeonHeights

Just get a ZR2, stock its fully capable. Lockers. Fits 33s. Has decent suspension.
Unmodified, completely covered

 

You will see me sooner in the new Ranger Raptor rather than chevy...

1" lift + 265s is all most ever need on trails.

 

I was looking at TJ Rubicons, hard to find ones that arent completely molested though