ICBC coverage?

collector · Post by **collector** » Wed Mar 07, 2007 2:56 pm

I'm just curious as to how much coverage ICBC would extend to cover a Delica...would you just be able to pay the $200 deductible, and have a windshield replaced? Or, would they say it's impossible to do, and write your Deli off due to their inability to locate one? (or for that matter, new doors, bumpers, etc...) I hope no one has had to explore this route, but it makes me wonder, if they are willing to provide accident insurance at regular rates, how far would they go to honor it?

Adrock · Post by **Adrock** » Wed Mar 07, 2007 3:00 pm

All i can tell you so far, which you may alraedy know is that the rates are calculated the same as any other vehicle as far as I know.

I've got fairly decent coverage, 2m 3rd party and theft/vandalism blah blah blah. it is $180 ish a month, i am 20 (actually i got it before i turned 20 so I only have a 15% discount) but yeah... if that helps great, I hope no one has had to find this one out the hard way.

Post by **BCDelica** » Wed Mar 07, 2007 3:24 pm

That's a great question. ICBC covers equivalent replacement market value, based on mileage and model.

Which is fine and that's the way it should be when someone pays $180 a month. Imagine ICBC writing off your Delica that needed $2000 worth of repairs because the purchase price (FOB of course) was just $1000 Canadian.

With a front window the wait would be a bummer, but I saw side door glass, for a Delica, for sale in the Buy and Sell.

Breadman · Post by **Breadman** » Wed Mar 07, 2007 5:39 pm

they, icbd wrote off my van for 2400 dollars damage. the reason being the car rental would be too much waiting for the parts from japan with no guarantee that the parts that were ordered were the right ones. they value, just for everyones info the delicas at around 5500 cdn. so if you paid near or over 10k you might want to get an appraisal or wait for the horror if you have an accident like i did. i was able to buy back my delica for 1200 and it was considered a buy back and not a right off. the "specialist" that dealt with my claim was a bit cutthroat with the value as he has access to the auction sites in japan. just a word of warning for everyone. it all worked out for me in the end as i have two for about 8000.
paul

collector · Post by **collector** » Wed Mar 07, 2007 6:19 pm

wow-it seems like ICBC is starting to realize the potential cost of coverage for these vehicles...I guess that's the one of the reasons for the relative low cost for JDM Delicas in BC? (although the prices seem to be creeping steadily upwards, in spite of the looming 25 year ban legislation as well..). I am wondering why these vehicles are getting more expensive, if the end result will be more difficulty in obtaining replacement parts and service components as well as "realistic" insurance coverage... I was seriously considering purchasing one of these (very cool) vans, but I am now glad of my "fence sitting". I just wish I had the space and resources for a JDM Deli, but she would to be a hobby vehicle, the way things are going; alas I can only afford a daily driver... :(

argo · Post by **argo** » Wed Mar 07, 2007 9:48 pm

It makes no difference what you drive. ICBC adjusters are all cut from the same cloth. It's thier job to give you as little compensation as possible.

We live in a society where people are unable to take resposibility for spilling coffee on themselves. It's almost as if every thing we do, all our decisions are based on fear. What if my timing belt breaks? what if I get hit by another car?

Sooner or later you just have to bite the bullet and get on with life.

Kuan · Post by **Kuan** » Wed Mar 07, 2007 10:03 pm

That sucks Breadman. That must have been frustrating. So is one van a parts van for you? Or do you have both on the road?

Well said argo. I totally agree.

Breadman · Post by **Breadman** » Wed Mar 07, 2007 10:11 pm

it sucked in the beginning but now i have two vans. i ordered the second from japan, the first i bought off ebay. i ended with up with two and i am making the second into the bread van. it is actually on a trickle charger tonight and i take it to nanaimo to get the body work done tomorrow. i plan to get a hitch put on it for a trailer. we are building a wood fired bread oven and i need lots of mill ends to feed the oven. i am quite happy now but yes it was frustrating in the beginning. 16 months ago there weren't any delicas for sale so now the icbc adjuster can't say the same as when i had mine damaged. i think the only reference point i had was on the original delica.ca web site when marks was for sale. they needed three similar vehicles and there just weren't any then. people thought i was crazy wire transferring money to japan back then waiting 2 months to get a van. but all that is in the past and look where we are now.
paul

biozach · Post by **biozach** » Wed Mar 07, 2007 10:16 pm

I also fully agree with argo. With everything considered, it is inconvenient to own an maintain just about anything that doesn't support a monetary return. Most people buying these vehicles are not looking for a long-term investment aside from daily driving pleasure, decent fuel economy and engine longevity. Delicas kick ass, as most would agree. I aknowledge the drawbacks but I'll jump over the "fence" to drive one every day. I'll deal with any problems as they come. 8)

mitch · Post by **mitch** » Wed Mar 07, 2007 10:44 pm

yeah i've got a HUGE crack in my windshield.... been avoiding going to ICBC as im worried about everything discussed here and worry that i'll crack it again as the front windshield is a bit of a dartboard.

anyone done a windscreen yet and want to share their experience?

Mitch

Kuan · Post by **Kuan** » Wed Mar 07, 2007 10:50 pm

I recall reading in a post that MardyDelica said he knew where to source them. Try PMing him.

Man your van looks sick. :D

terrain · Post by **terrain** » Wed Mar 07, 2007 10:55 pm

I happened to talk to an appraiser who just wrote off my westphalia. He said he had just written off a delica for about 8000 that had the sliding door damaged. He said he was willing to do write an appraisal on my delica based on its condition and purchase price. I paid 10400 a month ago for a pretty pristine vehicle with 22000 real k on it. Current replacement already seems to be around 12000 for a comparable vehicle through a dealer (believe it or not.)

I think its worth getting your vehicles appraised for their current value (we are upgrading them and putting money into them). I taken two hits from icbc owning westy's and don't want that to happen with these vehicles.

terrain · Post by **terrain** » Wed Mar 07, 2007 10:57 pm

if your building a strawmud bread oven be careful with the mill ends - can burn too hot and cause cracking

Breadman · Post by **Breadman** » Thu Mar 08, 2007 7:10 am

oh great maybe we can turn this post into a bread discussion, a bakers dream. hey terrain, it won't be a strawmud oven although the basics are still the same. it has a cinder block base, with more contemporary insulation, steam injection and thermocouples. it is based on the alan scott design and cliff leir from wild fire in victoria is helping me with design and building.
paul

Pete and Jackie · Post by **Pete and Jackie** » Thu Mar 08, 2007 10:01 pm

Hey Paul, sounds like the project is coming along well. Is the building up yet? Sure looked like a fun undertaking to me. I built a floating bakery for a resort once. Man that equipment's heavy, by the time I got it loaded I had to get the dive team with the styro blocks to take the list out of it!
Hey regarding that seatbelt/bench seat/captains chair thing, I bought some really nice belts from an outfit called Juliannos in the States. They also had the proper through the floor hardware. P

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ICBC coverage?

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