About xinsurance.ca — Ontario Insurance Marketplace
We are an Ontario insurance comparison and referral marketplace. We help consumers compare options and connect with RIBO-licensed insurance brokers. We are not an insurer and we do not sell insurance.
Advertising & Compensation Disclosure
xinsurance.ca is a free service for consumers. We are paid by our partners — including insurance brokerages, agents and, where applicable, insurance companies — when you request a quote, call one of our tracked phone numbers, click through to a partner, or purchase a policy through a partner we introduced you to. This compensation is how we keep the service free to use.
Compensation may influence which partners appear on our site, and the order or prominence in which products, brokers or offers are displayed. We do not review or list every insurance provider, product or offer available in Ontario. The presence of a partner on this site is not an endorsement, recommendation, or advice that the product is suitable for you.
You never pay xinsurance.ca a fee, and our compensation does not increase the premium you pay. Any premium you pay is set by the insurer and the broker you choose to deal with.
Our Mission
We believe finding the right insurance coverage shouldn't be complicated. Our mission is to simplify insurance shopping by connecting Ontarians with licensed brokers who can provide personalized quotes and licensed advice.
Whether you're looking for auto, home, or life insurance, we've built a platform that makes starting the conversation fast, free, and obligation-free.
What We Do — and Don't Do
- We do: collect the information you choose to share, show illustrative estimates, and refer you to licensed brokers in our network.
- We don't: underwrite policies, bind coverage, act as your broker or agent, or provide insurance advice.
- We don't: guarantee rates, savings, coverage, approval, or service quality. Estimates are not an offer of insurance.
How We Make Money
Referral & lead fees
Broker partners pay us a fee when we introduce a consumer who has asked to be contacted about a quote.
Pay-per-call
When you call a tracked number on this site, we may be paid by the brokerage that answers your call.
Advertising placements
Partners may pay for placement or promotion on our site. Paid placements do not change what you pay for a policy.
Our editorial content, calculators and guides are produced for information only and are not insurance advice. Where content mentions a partner, that relationship is disclosed on this page. Estimates shown on this site are based on publicly available assumptions and the information you provide; actual premiums are determined by the insurer following underwriting.
Our Values
Trust & Transparency
We work with RIBO-licensed brokers and disclose plainly how we are paid.
Consent First
We only share your information with broker partners after you ask to be contacted, and you can opt out at any time.
Accountability
Broker licensing can be verified independently through RIBO, and we act on complaints about partner conduct.
Regulatory & Legal Disclaimers
- xinsurance.ca is an insurance referral and comparison marketplace. It is not an insurer, insurance broker, or agent, and does not provide insurance advice or recommendations.
- Brokers in our network are independent, licensed professionals. Any agreement you enter is between you and that broker or the insurer. Licensing can be verified through the Registered Insurance Brokers of Ontario (RIBO).
- Rates and figures shown are illustrative estimates for Ontario residents only and are not binding offers of insurance. Final pricing, eligibility and coverage are determined by the insurer after underwriting review.
- We do not guarantee savings. Individual results vary based on your personal circumstances, driving and claims history, property details and insurer criteria.
- Personal information is collected, used and disclosed in accordance with PIPEDA and our Privacy Policy. Marketing communications follow CASL: we obtain express consent, and every message includes an unsubscribe option. Reply STOP to opt out of SMS.
- Images may depict models. Testimonials, where shown, reflect individual experiences and are not a guarantee of results.
Questions about this disclosure? Email legal@xinsurance.ca . Address: 1500 Sixth Line, Unit 1, Oakville, ON.
See also our Terms of Service, Privacy Policy and Cookie Policy.
Ready to Compare Insurance Options?
Get a free, no-obligation estimate and connect with a licensed Ontario broker.