Last year I had a collision claim from when I went down in Penticton. The damages being near $4500. Well, yesterday I went to an insurance broker to get a quote on how much it will be after this claim. I went in there thinking that my 40% discount would probably be like at 15 or 20% after the claim last year. The guy told me that It still showed me being at 40%. I told him about my claim. He replied that it can take up to 2 years for claims to go through. I thought that they were instantaneous. Once your claim went through if affected your insurance discount. Well, I was wrong,so I am insuring early so I get another year of 40% discount coverage. Just thought I would share with you guys. Hopefully other people with claims have the same luck as me.