Pick an insurance product to start your free quote – most take about 5 minutes.
Bundling your home and auto insurance gets you our best price.
Bundling your home and car gets you our best price.
This helps us build the right policy for your place.
At the moment, we only offer home insurance for owned homes. Since you're looking for renters coverage, we'll skip home insurance for now and continue with your auto quote.
Thanks for your interest. We currently only offer coverage for owned homes, like houses and townhomes, and are working on expanding our coverage options. Please check back soon.
Thanks for your interest. We currently only offer coverage for owned homes, like houses and townhomes, and are working on expanding our coverage options. Please check back soon.
Brokerage and Financial Disclosure Statement - Home & Auto Insurance
Disclosures
Who We Are
PolicyMe Corp. (“we,” “us,” or “our”), doing business as PolicyMe, is a licensed insurance brokerage in the Province of Ontario. We are regulated by the Registered Insurance Brokers of Ontario (RIBO) for property and casualty insurance (Licence No.: 6603) and are also appropriately licensed to offer life insurance, health and dental insurance, and critical illness insurance.
We act as an independent insurance broker, which means we represent you, the customer, by helping you compare insurance options and place coverage with licensed insurers, based on your needs and circumstances.
Our Role as Your Broker
As your broker, our role is to:
- Collect information from you and, where authorized, from third-party sources
- Obtain insurance quotes based on that information
- Explain coverage options, limits, deductibles, and key exclusions
- Help you choose and bind coverage that fits your needs
- Assist with changes, renewals, and insurer communications after binding
We are not an underwriting home and auto insurance company. All home and auto insurance policies are issued, underwritten, and administered by the insurer you ultimately select.
Insurance Companies We Work With
At this time, we offer Home and Auto insurance products from the following insurers:
- Intact Insurance
- Pembridge Insurance Company
- PAFCO Insurance Company
- Max Insurance
- Aviva Insurance Company of Canada
- S&Y Insurance Company
- The Wawanesa Mutual Insurance Company
Each insurer has its own underwriting rules, pricing models, eligibility criteria, and coverage options. Not all customers will qualify for quotes from every insurer.
Market Availability & Quote Limitations
- The quotes we present are based on the insurers listed above and the information available at the time of quoting.
- We do not survey the entire insurance market.
- Pricing, eligibility, or coverage may change if your information changes or if additional underwriting review is required.
- Final premiums and coverage are subject to insurer approval at bind.
How We Are Paid (Compensation Disclosure)
We are compensated by insurance companies in the form of commissions for placing and servicing your policy.
Typical commission ranges (approximate):
- Auto Insurance: generally between 10%–15% of the written premium
- Home Insurance: generally between 12%–20% of the written premium
The commission is paid by the insurer, not billed to you separately.
In addition to standard commissions paid by insurers on individual policies, the brokerage may also be eligible to receive contingent or profit-based compensation from some insurers. These payments are not guaranteed, are not tied to any individual policy, and are typically based on the overall profitability, growth, or retention of the brokerage’s total book of business with an insurer.
If you would like more specific information about compensation related to your policy, you may request it at any time.
Conflicts of Interest & Fair Treatment
We are required to act honestly, fairly, and in your best interest.
- We do not receive different commission rates that would materially change our recommendation without disclosure.
- If a situation arises where a conflict of interest exists, it will be disclosed to you.
- Our recommendations are based on coverage suitability, eligibility, and price — not incentives.
Digital Quoting & Advisor-Optional Model
Our brokerage offers a digital, self-serve quoting experience, with licensed advisors available when needed.
- You may complete your quote and bind coverage entirely online.
- Advisors are available for questions, clarification, or complex situations.
- Whether you interact with an advisor or not, your policy is placed through a licensed Ontario brokerage and remains fully compliant with RIBO requirements.
Information Collection & Third-Party Data Sources
With your consent, we may collect and verify information from third-party sources, which may include:
- Motor Vehicle Records (MVRs)
- Claims history databases (e.g., AutoPlus)
- Property and address data
- Prior insurance information
This information is used solely for the purpose of quoting, underwriting, issuing, and servicing insurance policies.
You are responsible for ensuring the information you provide is accurate and complete. Inaccurate or incomplete information may result in:
- Coverage being voided
- Claims being denied
- Policy cancellation by the insurer
Privacy & Data Protection
We collect, use, and disclose personal information in accordance with applicable privacy laws, including PIPEDA.
Your information is used to:
- Provide insurance quotes and services
- Communicate with insurers and service providers
- Meet legal and regulatory obligations
We do not sell your personal information.
Full details are available in our Privacy Policy.
Policy Binding, Coverage, and Documentation
- Insurance coverage is not in force until confirmed by the insurer.
- Binding is subject to underwriting review and acceptance.
- Policy documents will be issued by the insurer and provided to you electronically or otherwise.
You are responsible for reviewing your policy documents and notifying us promptly if anything is incorrect.
Claims Assistance
In the event of a claim:
- Claims are handled directly by your insurer
- We are available to assist you with the claims process and communication
- Coverage decisions are made by the insurer, not the broker
Complaints & Dispute Resolution
If you have a concern or complaint:
Step 1: Contact Us
Please contact our brokerage directly so we can attempt to resolve the issue promptly.
PolicyMe Corp.
Email: advisor@policyme.com
Step 2: Escalation to RIBO
If your concern is not resolved, you may contact:
Registered Insurance Brokers of Ontario (RIBO)
Website: https://www.ribo.com Phone: 416-365-1900
RIBO regulates insurance brokers in Ontario and oversees professional conduct.
Your Acknowledgement
By proceeding with your quote or binding insurance through us, you acknowledge that:
- You have read and understood this disclosure
- You consent to the collection and use of your information for insurance purposes
You understand our role as a licensed insurance broker and how we are compensated.