Hey OP, there's no way to for someone in your position (ie on the inside) to find out what happens in those situations? Its pretty shitty that insurance companies base your rate on your postal code. I've never done this trick/scam but I can see why people do it.

well, the province is supposed to pass a bill that will make rates by postal code a thing of the past. But part of me just thinks that the insurance companies will just jack everyone up so everyone will be paying good ol brampton rates.

Just got another one... there's nothing funnier than hearing "my name is Mandeep Singh and my address is 123 Main St in Keswick, Ontario"

lol if that's not a red flag...

I've never done this trick/scam but I can see why people do it.

That's 'racial profiling' is it not?

What approaches would an insurer take to get Mandeep to 'prove' he lives in Keswick?

I'm listening to the original call when they applied for insurance. We go by the info they provide on their drivers license (which they probably switched as well) so no profiling as we go by the info they gave us. Now they get into an auto accident in Brampton and all of a sudden all the red flags come up with the investigators.

"I went to visit my mom in Brampton, where the accident occured. I live with my cousin's brother's sister's mom's dad's cousin in Keswick, Bob."

I guess this is similar to where people buy car insurance and say they don't drive to work? (But drive 100km each way)

There are a few Mandeeps in Keswick... Probably. 3

I see Bramton towel headians

How long is your commute?

I work 7:30-3:30. approximately 1hr 5mins in the morning and 1hr 40mins in the evening. Evenings is obviously where it can vary a lot. Hand full of times it was 2hrs, few times it was 2.5, only once or twice it was longer than 2.5hr. Morning's I've never been longer than 1hr 15mins, but thats because I leave the house at 5:55am like clockwork and am sitting at my desk by 7:15 which includes gassing up in st. cats. I'm hoping to have another job by end of this year. Not really too keen on moving to st. cats. Stoney creek or Grimsby would be ok but still pretty out there and really not much cheaper to live.

The time isn't really too bad if I'm honest. Its the kms. I'm doing 230kms a day. Spread that over a few months and it's really adding up. I'll likely be going through cars every 3-4yrs if nothing changes. Oil changes are every 6ish weeks and I'll likely only get 2 winters out of a set of snow tires.