DaveM wrote on 08/09/11 at 15:34:36:Talk to your insurance agent. You will most likely have to insure the car under Facility insurance (the same expensive type that people who have horrendous driving records and / or DUI convictions need to get.
I think I know where you're coming from, Dave, but since the term "Facility" often gets thrown around as some vague solution to all sorts of insurance woes, I think it's worth expanding for Doom (or others):
Facility doesn't offer some different, special kind of insurance. All auto insurance policies in Ontario have the exact same wording; it's mandated by law and can't be changed by the insurance company.
Facility is just the insurer of last resort: because auto insurance is mandatory in Ontario, there has to be a way for every driver to actually get it. The Facility Association is the government-mandated method of making sure that everyone does have a way to get insurance.
Even if other insurance companies turn you down (which they might, especially if they just don't feel like insuring a modified car), Facility will still cover you. They may charge you a lot for that coverage, but they won't turn you away. However, the actual policy from Facility is exactly the same as the policy offered by anyone else.
So... if your problem is that your normal insurer doesn't want to insure your rally car at all, yes, Facility may provide a solution (at a cost).
However, if you're trying to decide between Facility and some other insurer for your rally car and think that Facility's coverage/policy is "better" for rallying in some way, it probably isn't.