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

A broker works for you, not the insurance company. I 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.

Is it more expensive to use a broker?

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.

How quickly can I get a quote?

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

What areas do you serve?

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

Can you help if I have a poor driving record?

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

What happens if I need to file a claim?

You call me directly. I'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.

Privacy Policy

Last updated: March 2026

All-Financials ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy legislation.

1. Information We Collect

We may collect the following personal information when you request a quote, contact us, or use our services:

Full name, date of birth, and contact information (phone, email, address)
Driver's licence information and driving history
Vehicle information (make, model, year, VIN)
Property details (address, type, value, claims history)
Health information (for life and health insurance applications)
Financial information relevant to insurance underwriting
Any other information you voluntarily provide

2. How We Use Your Information

We use your personal information to:

Obtain and compare insurance quotes from multiple carriers on your behalf
Process insurance applications and policy changes
Manage claims and provide claims assistance
Communicate with you about your policies and services
Comply with legal and regulatory obligations (RIBO, FSRA)
Improve our services and website experience

3. How We Share Your Information

We may share your personal information with:

Insurance carriers and underwriters (to obtain quotes and bind coverage)
Claims adjusters and investigators (when processing claims)
Regulatory bodies (RIBO, FSRA) as required by law
Service providers who assist in our operations (e.g., email services)

We do not sell your personal information to third parties.

4. Consent

By providing your personal information through our website, phone, email, or in person, you consent to its collection, use, and disclosure as described in this policy. You may withdraw your consent at any time by contacting us, subject to legal or contractual restrictions.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encrypted communications, secure file storage, and limited access controls.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Insurance records are typically retained for a minimum of 7 years following the expiry or cancellation of a policy, in accordance with RIBO and regulatory requirements.

7. Your Rights

Under PIPEDA, you have the right to:

Access the personal information we hold about you
Request correction of inaccurate or incomplete information
Withdraw consent (subject to legal or contractual limitations)
File a complaint with the Office of the Privacy Commissioner of Canada

8. Cookies

Our website may use cookies and similar technologies to improve your browsing experience. You can control cookies through your browser settings. Disabling cookies may affect some website functionality.

9. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact:

Bassem Ibrahim, CIM®, FCSI®, LLQP, RIBO, DMS, CPH®
All-Financials
Email: bassem@insurewithus.ca
Phone: [PENDING - replace before launch]