Auto insurance that
actually fits your budget.

Getting a quote costs you nothing, and you're under no obligation to go ahead with it. If there are any costs involved in setting up a policy, we'll set them out clearly and in writing before you commit to anything — you will never be surprised by a charge.

Your postal code, driving record, claims history, years licensed, the vehicle itself, annual kilometres, how the car is used, your coverage limits and deductibles — and in most provinces, whether you bundle other policies. Two drivers on the same street with the same car can pay very different amounts.

Usually yes. Policies can be cancelled mid-term, though some insurers apply a short-rate penalty that eats into the refund. We'll calculate whether switching now beats waiting for your renewal, and tell you honestly if it doesn't.

New and G2 drivers do pay more, but the spread between insurers is enormous, and some treat new drivers far better than others. Staying on a parent's policy as an occasional driver, completing an approved driver-training course, and choosing a modest vehicle all help significantly.

It can. Several insurers give credit for verifiable driving experience abroad if you can supply a letter of experience from your previous insurer. Not every insurer accepts them, which is exactly the kind of thing we can help you sort out — we know which ones do.

Yes. High-risk and non-standard situations are part of what we do. Convictions and at-fault claims typically affect your rate for several years, but they do fall off — and we'll recheck your file each renewal so you're not stuck paying a high-risk rate longer than necessary.

Once you've chosen a quote and the policy is in place, temporary proof of insurance is typically issued the same day, with your permanent documents following from the insurer. If you're buying a car this afternoon, tell us — we'll prioritise it.