Is Truly a real insurance broker or just a comparison site?

Truly is a full-service insurance brokerage. You get access to our team of licensed insurance brokers who give personalized advice, help you choose the right coverage, and support you through claims. You're never on your own after you buy.

How fast can I get a quote?

Personal quotes typically come back the same day and most commercial coverage is usually bound within a few business days, depending on the coverage and the information you provide. You can also call us at 519.800.4770 and we'll quote over the phone.

What types of insurance do you offer?

We cover auto, home, condo, tenant, business, commercial liability, real estate investor portfolios, and startup insurance — all from top Canadian insurers.

What happens if I need to make a claim?

Call your Truly Insurance broker during business hours and we'll help you report the claim, explain the process, and advocate with the insurer. For after-hours emergencies, our claims page lists 24-hour carrier claim lines so you can report directly, then let us know so we can advocate for you.

Can I switch to Truly if I already have insurance?

Absolutely. You can switch any time, even mid-policy. Any early-termination fee from your current provider is often offset by the savings we find you.

How is Truly transparent about how it's paid?

As a licensed Ontario brokerage, we disclose how we operate, how we're compensated, and any potential conflicts of interest before you buy, in line with RIBO and FSRA requirements.

Why do Kitchener–Waterloo auto insurance rates differ from Toronto?

Ontario insurers rate auto by territory, so traffic density, claim frequency, and theft all factor into your postal code. A Kitchener, Waterloo, or Cambridge postal code is usually rated more favourably than a Toronto or Mississauga one for claim frequency and theft. As a Kitchener-based broker, Truly Insurance knows which carriers rate Waterloo Region competitively and which load it, and routes you to the ones that don't.

What is DCPD and do I need it in Ontario?

Direct Compensation Property Damage covers your vehicle through your own insurer when another driver is at fault, a core part of Ontario's no-fault system. It's standard on Ontario auto policies. Truly Insurance makes sure the deductible and coverage amount make sense for your car's value so you're not under-recovering after someone else's mistake.

What is Ontario's no-fault insurance system?

No-fault means each driver deals with their own insurer for vehicle damage and injury benefits, regardless of who caused the crash. Fault is still determined for at-fault surcharge purposes, but you don't chase the other driver's insurer for repairs — your own carrier pays and then subrogates. Truly Insurance explains exactly how it applies to your specific accident.

What happens to my auto insurance rates after an at-fault accident?

An at-fault accident typically stays on your Ontario driving record for six years and can raise your premium at renewal. The size of the increase depends on your insurer, the percent of fault, and whether you carry accident forgiveness. Truly Insurance re-shops your policy across 17+ insurers after an at-fault to find the carrier that treats it least harshly.

What is accident forgiveness and do I qualify?

Accident forgiveness is an endorsement or loyalty reward that shields your first at-fault accident from a surcharge, usually after six years claim-free with the same insurer. Not every carrier offers it and it doesn't transfer. Truly Insurance tells you honestly whether your policy has it and whether it's worth keeping versus moving to a cheaper carrier.

What are OPCF endorsements and which ones matter?

Ontario Policy Change Forms (OPCF) add or change coverage on an auto policy. The ones that matter most are OPCF 20 (loss of use and rental), OPCF 27 (rental-car liability extension), OPCF 43 (replacement cost for a total loss), and OPCF 44R (family protection against underinsured drivers). Truly Insurance explains each before you buy and adds only the ones that fit your life.

Do winter tires lower my auto insurance in Ontario?

Yes. Ontario insurers are required to offer a winter-tire discount, typically around 5 percent, for four matching winter tires mounted during the required season. Truly Insurance applies it automatically and verifies the discount shows on your policy, because it's often missed when policies are bound remotely.

Am I covered while driving for Uber or DoorDash in Ontario?

Not on a standard personal auto policy — personal use excludes carrying passengers or goods for money. Rideshare and delivery platforms carry some third-party cover while the app is active, but the gap between personal and commercial use is real. Truly Insurance arranges a commercial-use extension or rideshare endorsement so a delivery or rideshare trip doesn't leave a claim denied.

What happens if my car is a total loss?

The insurer pays actual cash value by default, which can leave you financing a remaining loan on a car you no longer own. With OPCF 43 (replacement cost), the insurer pays for a new equivalent vehicle if the loss happens early in the car's life. Truly Insurance tells you when replacement-cost coverage is worth it for a newer or financed car, and when it isn't.

How do I lower my auto insurance premium in Ontario?

Bundling home and auto, a clean driving record, increased deductibles, telematics, and winter-tire and approved anti-theft discounts all help. The biggest lever is re-shopping at renewal — insurers' rates shift yearly and a loyal customer is often overpaying. Truly Insurance shops 17+ Canadian insurers and re-shops your auto at every renewal automatically.

Will a speeding ticket affect my auto insurance in Ontario?

A minor conviction, like 10 to 29 km/h over, usually raises your premium for three years; a major conviction, like stunt driving or 50+ km/h over, can more than double it and may require the high-risk market. Truly Insurance re-shops after convictions because different insurers treat the same ticket very differently, and a move often saves far more than staying.

Does my Ontario auto policy cover a rental car?

Often yes for liability and damage if you carry collision and comprehensive on your own vehicle, but coverage extends based on your policy and a credit card or rental waiver can leave gaps. Truly Insurance adds OPCF 27 to extend liability and confirms your physical-damage transfer so you're covered in Canada and the U.S. without buying the counter's expensive insurance.

Is sewer backup coverage worth it in Ontario?

Yes. Mature basements and older municipal infrastructure make sewer backup and overland water endorsements genuinely valuable across Ontario, especially in Kitchener, Waterloo, and Cambridge where stone foundations and mature trees drive the most common basement claim. Truly Insurance adds them by default and prices the deductible sensibly so the coverage responds when it matters.

Does home insurance cover flooding in Ontario?

Only with the right endorsements. A standard Ontario home policy excludes overland water and sewer backup unless added separately, and groundwater seepage often needs its own endorsement. Truly Insurance includes the coverages that actually protect Ontario homes and explains each one before you buy.

What's the difference between replacement cost and actual cash value?

Replacement cost pays to rebuild or replace without deducting for depreciation; actual cash value deducts depreciation. Contents are often settled on an actual-cash-value basis unless you upgrade to replacement cost, which Truly Insurance recommends for most households because a depreciated payout rarely funds a full re-stock after a loss.

Does home insurance cover jewelry and valuables?

Only up to a sub-limit, often $2,000 to $6,000 per category for jewelry, art, and collectibles, unless you schedule the item individually with an appraisal. Truly Insurance schedules your valuables at agreed value so a lost ring or stolen watch settles at the appraised amount, not the sub-limit that leaves you short.

What is overland water coverage and do I need it?

Overland water covers freshwater flooding from lakes, rivers, and surface runoff, distinct from sewer backup. Homes near the Grand River, the Speed River, or in low-lying parts of Kitchener–Waterloo carry real exposure. Truly Insurance adds it where your property warrants it and declines it where it doesn't, with the reasoning on the table.

Is my home covered while I'm on vacation?

Most policies impose a vacancy limit, typically 30 consecutive days, after which water-damage and theft cover can suspend unless you notify the insurer or add a vacancy permit. Snowbirds and long-trip travellers need a vacancy endorsement or a check-in plan. Truly Insurance sets the terms before you leave so a burst pipe in February doesn't become a denied claim.

Does home insurance cover a burst pipe in winter?

Sudden and accidental water damage from a burst pipe is covered, but freeze damage while a home is vacant and unheated can be excluded if you didn't maintain heat or drain the pipes. Truly Insurance explains the winter-vacancy rules your insurer expects — drain-down, setback thermostat, and a check-in plan — so the claim pays.

Does my home insurance policy cover a finished basement?

Finished basement improvements are part of the dwelling limit, but their water-damage exposure is only covered if sewer backup and overland water are endorsed. A finished basement without water cover is the single most common under-insured gap Truly Insurance sees in Kitchener–Waterloo. We quote the basement honestly and add the water cover its finish value deserves.

What is guaranteed replacement cost on a home policy?

Guaranteed replacement cost pays whatever it takes to rebuild your home to its pre-loss condition, even if the cost exceeds your dwelling limit, protecting you when materials and labour spike after a widespread event. Truly Insurance places it wherever your insurer offers it, because a rebuild that exceeds your limit is exactly the moment you can't afford to be short.

Does home insurance cover a home business?

A standard policy excludes business property and liability beyond a small allowance unless you add a home-business endorsement. Even a low-foot-traffic business can void liability cover after a client-related claim. Truly Insurance adds an extension sized to your operations so a slip, a stolen laptop, or a client-data claim is covered, not a denial.

How is my Ontario home insurance premium calculated?

Insurers rate on rebuild cost, age and construction of the home, postal-code claim frequency, distance to a fire hydrant and station, heating type, electrical and plumbing age, roof age, claims history, credit where permitted, and your deductible and limits. Because so many factors move, Truly Insurance re-shops at renewal to surface a better rate without changing your coverage.

How does bundling home and auto save money in Ontario?

A multi-line home-and-auto discount typically lowers both premiums 10 to 15 percent, consolidates renewals, and often unlocks additional loyalty or claims-free benefits. Truly Insurance shows the bundled versus unbundled price across 17+ insurers so the saving is real and documented, not assumed.

Is Facility Association my only option after a DUI in Ontario?

No. Facility is the insurer of last resort, not the first stop, and we quote Jevco, Pafco, Coachman, and Echelon before it is ever considered. All four write drivers with impaired and major-conviction records, often well below Facility, so a DUI does not mean you are stuck in the residual market. Facility is used only if every one of the four declines, which is rare for a single conviction.

Home/Coverage/High-Risk Auto Insurance

Non-standard & high-risk

High-Risk Auto Insurance in Ontario

Truly Insurance is the Ontario brokerage drivers are referred to once the standard market has declined or surcharged them out. High-risk and non-standard auto is a file we specialize in, not a side line, and our Kitchener team holds appointments with every non-standard carrier that writes in Ontario, Jevco, Pafco, Coachman, and Echelon, plus the Facility Association residual market. We have placed impaired, suspended, and cancelled-driving files for years, we know exactly how each of the four carriers rates the same conviction or cancellation, and we quote your abstract across all of them rather than shopping you to one and calling it done. The file lands where it fits today, and we re-shop it every renewal so you move back to the standard market the moment your record allows.

Every non-standard carrier in Ontario. One named broker who places the file and moves it back.

Get a High-Risk Auto Insurance quote Call 519.800.4770

We write with all four Ontario non-standard carriers

JevcoPafcoCoachmanEchelon

Facility Association is the insurer of last resort, not the first stop. We quote all four non-standard carriers before it's ever considered.

High-Risk Auto Insurance — at a glance

High-risk auto insurance is a specialty, not a side product, and it is the file we know best. A DUI, a suspended licence, or a non-payment cancellation can push you out of the standard market and into the non-standard tier, where most brokers write with a single carrier and treat Facility Association as the only option. We write with Jevco, Pafco, Coachman, and Echelon, the four Ontario non-standard insurers, plus the Facility Association, and we know how each one rates a given conviction, suspension, or cancellation. Your driving record is quoted four times, not once, and it lands with the carrier that treats your specific history least harshly. Then we track your abstract and move you back to a standard insurer the moment your record allows.

What High-Risk Auto Insurance protects.

Standard Ontario high-risk auto insurance policies include most of the coverages below by default. We add the endorsements and limits specific to your property, vehicle, or operation, and re-shop the policy at every renewal so your premium tracks the market, not the insurer's loyalty habit.

Third-party liability

Mandatory Ontario liability protection, sized to the higher limits a high-risk driver should carry to protect income and assets.

Accident benefits

Medical, income replacement, and death benefits after a collision, regardless of fault.

Collision & comprehensive

Damage to your vehicle from a crash, theft, fire, vandalism, and hail, available even on a non-standard policy.

DCPD

Direct Compensation Property Damage for your vehicle when another driver is at fault under Ontario's no-fault system.

OPCF 20 — loss of use

A rental vehicle and transportation costs while your car is repaired after a covered loss.

OPCF 27 — liability extension

Extends liability cover to a rented or borrowed vehicle in Canada and the U.S.

Reinstatement & proof-of-insurance filing

Licence reinstatement support and the proof-of-insurance letter an ordered reinstatement demands, kept current for the term of the order.

Path back to the standard market

We re-shop you back to a standard carrier the moment your record allows it, so you don't stay in the high-risk tier a day longer than necessary.

Who High-Risk Auto Insurance is for

Built for the drivers, owners, and operators who pick us.

Impaired, DUI & major convictions

DUI, impaired driving, and criminal-code convictions that place you in the major-conviction tier. We quote your record with Jevco, Pafco, Coachman, and Echelon and place you with the carrier that rates a major conviction least harshly, then re-shop you back to the standard market as the conviction ages off your abstract.

Licence status & suspensions

Suspended licences, reinstatements, G1 and G2 drivers with convictions, and ordered proof-of-insurance requirements. We arrange the reinstatement support and the proof-of-insurance filing your licence condition demands, and bind cover the day your licence is valid again.

Non-payment cancellations

A cancellation for non-payment, or two, can lock you out of the standard market. We quote your record honestly with all four non-standard carriers and rebuild a clean payment history that qualifies you to move back to a standard insurer at the next renewal.

Locally based in Kitchener

High-Risk Auto Insurance, arranged by a local Kitchener-Waterloo broker.

From our Kitchener office we run more high-risk auto files than most brokerages in the province, and we do it with a named broker, not a call centre. We know the local reasons drivers end up in the non-standard tier here, a single impaired charge, a licence suspension, or a non-payment cancellation after a tough year, and we know exactly how Jevco, Pafco, Coachman, and Echelon each rate that record. Because we write with all four plus the Facility Association, you are quoted four times and placed where your file fits today, not shopped to one carrier and told Facility is your only option. We tell you the date each conviction or cancellation falls off your abstract, we re-shop the file at every renewal, and we move you back to a standard carrier the moment your record allows it. That is the difference between a broker who dabbles in high-risk and one who specializes in it.

Start a quote Talk to a broker

High-Risk Auto Insurance FAQ

High-Risk Auto Insurance questions, answered.

What makes a driver high-risk in Ontario?+

Ontario's standard auto market uses a tiered risk model. A major conviction like impaired driving, a licence suspension, multiple at-fault accidents, or a non-payment cancellation can move you into the non-standard tier where standard insurers decline or surcharge heavily. We quote your record with the non-standard carriers that specialize in this tier.

Which high-risk auto insurance carriers does Truly Insurance write with?+

We write with Jevco, Pafco, Coachman, and Echelon, the four Ontario non-standard carriers that specialize in impaired, suspended, and cancelled drivers. Because we write with all four, your driving record is quoted four times and you land with the carrier that treats your specific history least harshly, rather than being shopped to one and told Facility Association is your only option.

Is Facility Association my only option after a DUI?+

No. Facility Association is the insurer of last resort, not the first stop. Jevco, Pafco, Coachman, and Echelon all write drivers with impaired and major-conviction records, often at a lower premium than Facility. We quote all four before Facility is ever considered.

How much is high-risk auto insurance in Ontario?+

It depends on the conviction, the number of at-fault accidents, the suspension, and the carrier. A single impaired conviction can more than double a standard premium, but the four non-standard carriers rate the same record very differently. We quote your record with all four and show you the range, not one number.

Can I get auto insurance with a suspended licence in Ontario?+

You can bind cover before your licence is reinstated so a policy is in place the day your licence is valid again, and we arrange the proof-of-insurance filing an ordered reinstatement demands. We don't bind a policy that lets you drive while suspended, we set it up so you're covered the moment you're legal.

I was cancelled for non-payment, can I still get insured?+

Yes. A non-payment cancellation, or two, can lock you out of the standard market, but the non-standard carriers write this history every day. We quote your record with Jevco, Pafco, Coachman, and Echelon, place you with the carrier that rates the cancellation least harshly, and help you rebuild a clean payment history that qualifies you to move back to a standard insurer at the next renewal.

How long does a DUI stay on my Ontario insurance record?+

An impaired conviction typically stays on your Ontario driving abstract and insurance record for three years from the conviction date, and a major conviction can affect your premium for up to six years. We tell you exactly when it falls off and re-shop you back to a standard carrier the moment it does.

Will a major conviction raise my premium forever?+

No. Major convictions age off your abstract, and as they do, more standard carriers become available again. We monitor your abstract's aging and re-shop you back to the standard market at the first renewal a standard insurer will accept you, so you don't stay in the high-risk tier a day longer than you need to.

Can I keep my car insured while I rebuild my driving record?+

Yes. We keep comprehensive and specified-perils cover in place while your licence is suspended so a theft, fire, or hail claim still pays, and we bind full coverage the day your licence is reinstated. A parked car can still be stolen or damaged, and we make sure that risk is covered.

Do all four non-standard carriers rate convictions the same?+

No, and that's the whole point. Jevco, Pafco, Coachman, and Echelon each rate a given conviction, suspension, or cancellation differently, so the same driving record can price meaningfully differently across the four. We quote all four and place you with the carrier that treats your specific history least harshly.

Can a G1 or G2 driver with convictions get insured?+

Yes. Graduated-licensing drivers with convictions or accidents can be placed with the non-standard carriers, often as an occasional or principal operator on a household policy. We structure the operator designation honestly so the policy responds at claim time rather than being denied for misrepresentation.

How fast can I get a high-risk auto quote?+

Most high-risk quotes come back the same day, sometimes within hours, once we have your abstract and the details of the conviction, suspension, or cancellation. Call 519.800.4770 and a Kitchener-based broker will quote your record across all four non-standard carriers.

What is SR-22 and does Ontario use it?+

Ontario doesn't use the U.S. SR-22 form, but ordered reinstatements can require a proof-of-insurance letter from your broker before your licence is reinstated. We provide the filing your licence condition demands and keep it current for as long as the order requires.

Can I bundle home and auto as a high-risk driver?+

Often yes, and it can offset some of the high-risk surcharge. A multi-line discount from a carrier that writes both your non-standard auto and your home can lower the combined cost. We check whether one of the four non-standard carriers, or a paired standard home insurer, can bundle both.

Does Truly Insurance send me to Facility Association?+

Only if every one of the four non-standard carriers declines you, which is rare for a single conviction or cancellation. Facility is the last resort, not the first, and we quote Jevco, Pafco, Coachman, and Echelon before it's ever considered.

How do I move back to the standard auto market?+

As your convictions age off your abstract and your payment history cleans up, standard insurers become available again. We track your abstract's aging and re-shop you back to the standard market at the first renewal a standard carrier will accept you, often cutting your premium substantially.

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Compare High-Risk Auto Insurance quotes today.

A licensed Kitchener broker compares the available insurance markets and explains it before you buy.

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High-Risk Auto Insurance in Ontario

What High-Risk Auto Insurance protects.

Third-party liability

Accident benefits

Collision & comprehensive

DCPD

OPCF 20 — loss of use

OPCF 27 — liability extension

Reinstatement & proof-of-insurance filing

Path back to the standard market

Built for the drivers, owners, and operators who pick us.

Impaired, DUI & major convictions

Licence status & suspensions

Non-payment cancellations

High-Risk Auto Insurance, arranged by a local Kitchener-Waterloo broker.

High-Risk Auto Insurance questions, answered.

High-Risk Auto Insurance insights from our brokers.

How to Get Cheap Car Insurance in Ontario in 2026

How to Switch Insurance Brokers in Ontario (Without Losing Coverage)

Ontario Home Insurance: What's Covered (and What Isn't)

More coverage types

Insurance by client type

Serving all of Ontario

Compare High-Risk Auto Insurance quotes today.