Question 1

What's the difference between a broker and a direct insurer?

Accepted Answer

A broker works for you, not the insurance company. We shop 40+ carriers to find you the best rate and coverage. Direct insurers only sell their own products. With a broker, you get unbiased advice and someone who advocates for you during claims.

Question 2

Is it more expensive to use a broker?

Accepted Answer

No. Brokers are paid by the insurance companies, not by you. There's no additional cost for using a broker, and we often find lower rates because we can compare across dozens of insurers.

Question 3

How quickly can I get a quote?

Accepted Answer

Most quotes are ready within 24 hours. For straightforward auto or home insurance, we can often provide a quote the same day. Complex commercial or multi-policy packages may take 2-3 business days.

Question 4

What areas do you serve?

Accepted Answer

We serve clients across Ontario. Whether you're in Toronto, the GTA, or anywhere in the province, we can help with your insurance needs.

Question 5

Can you help if I have a poor driving record?

Accepted Answer

Absolutely. We work with high-risk insurers as well as standard markets. Whatever your situation — tickets, accidents, or new driver — we'll find you the best available rate.

Question 6

What happens if I need to file a claim?

Accepted Answer

You call us directly. We'll guide you through the process, advocate with the insurer on your behalf, and make sure your claim is handled fairly and promptly. That's the broker advantage.

Insurance Insights

Ontario Auto Insurance Is Changing July 1, 2026 — What Every Driver Needs to Know