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FAQ

What types of insurance do you offer?

We specialize in car insurance, including options for high risk drivers. We also offer home insurance, commercial insurance and travel insurance.

Where are you located?

We are located in Markham. We serve Toronto and the GTA as well as the whole province of Ontario.

How do I get a quote?

You can either use our online quote system (available 24/7) or you can call us directly at 1-855-237-2905.

I am considered a high risk driver. Can you help me with insurance options?

Absolutely we can help high risk drivers get coverage! You can check out some more information on high risk auto insurance over on our blog. Or just get in touch with us today to discuss further.

How long will I be in the high risk auto insurance category?

It depends on why you were put in the high risk category in the first place. In general, tickets in Ontario will stay on your record for three years and an accident that was your fault for six years. Click here to learn more.

I want to get the cheapest insurance I can. Can you suggest ways I can get some further discounts and price reductions?

Definitely. A few options for auto insurance include special discounts for winter tires, having Telematics installed in your vehicle and choosing Pay as You Go auto insurance if you drive less than 9,000 kms per year. We also did up a post here with further suggestions about insurance in general as well as this post with tips specifically for reducing your car insurance rates. Our brokers will discuss all options with you for lowering your premiums when you get in touch with us.

Will I save money by getting my home and auto insurance from one provider?

Yes, that is the case with most insurance companies and is a smart way to get cheaper insurance coverage.

I’m just in the research phase. Would you be able to direct me to some resources to help with my understanding of insurance and the options available?

Our blog has plenty of tips and information. You can also check out these links to helpful insurance resources, as well as our insurance tips and insurance terms glossary.

I’m a young driver. Can I still get cheap car insurance?

As a young driver you are automatically considered high risk because of your age, which affects your rates. Click here to check out our post on getting the best rates as a newbie.

What happens if I miss a car insurance payment?

This really depends on your specific insurance provider and whether or not you have a history of non-payment or missed payments. Learn more about some of the repercussions of missing a payment here.

What is ‘Plug and Save’?

Plug and Save is a telematics device that monitors your driving habits, such as speed and braking. It offers consumers in Ontario a way to save on their car insurance. Learn more here.

Is ‘Pay as You Go’ auto insurance an option for me?

This depends on how much you drive. If you drive anywhere less than 9,000 kms per year, then it is a good option to save on your premiums. If you drive more than this, pay as you go would not offer any cost savings relative to a standard auto insurance plan. Learn more here.

I’ve got a trip coming up and I’m planning to rent a car. Is my Ontario car insurance enough to cover me or do I need to purchase coverage from the car rental company?

The answer is, it depends as different plans offer different coverage. For example, you might have an endorsement for rental vehicles included in your coverage. For more information about renting a car and your existing car insurance in Ontario, click here.

I’m going to be renovating my house. What implications does this have for my current home insurance coverage?

The answer is, plenty! Many mistakenly think that they don’t have to let their insurance provider know about renos or they think that by keeping mum, they will save money. Don’t let this be you! Click here to learn more about renovations and home insurance.

I’m interested in joining your team as a broker. What is the process?

First off, you must be RIBO licensed to work with Insurance Buddy. You can find out more about joining our team and send us an inquiry here.

Don’t see what you’re looking for above? Need further information on our services? Contact us today.

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