Cancelled or not renewed by your insurer? Don’t wait until the last day.
If your insurer has cancelled your policy or won’t renew it, you have a deadline. Frank explains what your notice means and looks for coverage with other insurers, including options for drivers with claims, tickets or a missed payment.
No obligation. Nothing changes without your approval.
- Licensed broker (RIBO)
- English or French
- Weekends available
- A real person, by phone
Why it’s worth acting now
Check the date on your notice
Insurers must give written notice. For non-payment, it’s at least 30 days by registered mail or 10 days if delivered in person. Other cancellations can be as short as 15 days by registered mail.
Driving uninsured is costly
Driving without insurance in Ontario can mean fines of $5,000 to $50,000, a licence suspension and your vehicle impounded.
You have options
A broker can approach several insurers, including some that accept drivers with claims or tickets. The Facility Association is the insurer of last resort for high-risk drivers.
What Frank looks at
- The reason on your notice and the date coverage ends
- Your driving record and claims history
- Which insurers may accept your situation
- Payment options that help you stay covered
- Steps to get back to better rates over time
How it works
- Send a short requestPick a time for a call and add documents if you have them. It takes a few minutes.
- Frank reviews and comparesA licensed broker looks at your situation and compares options.
- You decideTalk it through by phone. Nothing changes without your approval.
What to have ready
- Your cancellation or non-renewal notice
- Your current policy
- Any tickets, claims or suspensions in the last few years
- Your vehicle details
Don’t have everything? Send what you have and Frank will ask for the rest.
Common questions
Why would an insurer cancel or not renew?
Common reasons include missed payments, claims, tickets or information that wasn’t disclosed. Your notice or insurer can tell you the reason.
Will this affect my next policy?
It can. Insurers may ask whether a policy was cancelled, and some reasons can affect the price. Answering honestly matters.
What if no insurer will accept me?
The Facility Association provides auto insurance to high-risk drivers who can’t find it in the regular market. Frank can explain whether that applies to you.
Is this only for car insurance?
No. Home insurance can be cancelled or not renewed too. Tell Frank what happened and he’ll look at your options.
Don’t let your coverage lapse
Send your notice today and Frank will look at your options. No obligation, and nothing is bought without your approval.
Prefer email? Write to Frank.tereraho@insureu.ca.
More reasons to review your insurance
Sources: FSRA: working with your broker, agent or insurer · FSRA: auto insurance and the law · FSRA: high-risk drivers
Frank Tereraho is a licensed insurance broker (RIBO) affiliated with InsureU Brokers Inc., 135 Laurier Ave W, Ottawa, ON. This page is general information, not advice. Savings are not guaranteed. Quotes and coverage depend on each insurer’s underwriting and policy wording.