Compare Pafco insurance in Ontario

Pafco in Ontario: an honest overview

Pafco Insurance focuses on non-standard auto insurance for drivers who may not fit standard insurer guidelines.

In Ontario, Pafco policies are usually arranged through independent insurance brokers. A broker is licensed by RIBO (the Registered Insurance Brokers of Ontario) and often represents several insurers at once. That means one conversation can show you how Pafco compares with other companies for the same driver, home or business.

Every insurer prices risk differently. Two neighbours with similar cars can receive very different prices from the same company, because insurers weigh driving history, claims, location, vehicle and coverage choices in their own way. That is why comparing more than one option is usually worth the few minutes it takes.

Non-standard auto insurance with Pafco

Pafco is known for helping drivers who may not fit a standard insurer's guidelines — for example after several tickets, an at-fault accident, a licence suspension, a cancellation for non-payment or a gap in coverage. Non-standard policies usually cost more, but they keep you legally on the road while you rebuild your record. Many drivers move back to a standard insurer after a few clean years, and a broker can tell you when that may be possible.

Mandatory coverage in Ontario includes:

• Third-party liability (minimum $200,000; many drivers choose $1 or $2 million)
• Statutory Accident Benefits for injuries, regardless of fault
• Direct Compensation – Property Damage (DCPD)
• Uninsured automobile coverage
• Optional: collision, comprehensive, and endorsements such as OPCF 20 (loss of use / rental car), OPCF 27 (non-owned auto) and OPCF 43 (waiver of depreciation on newer vehicles)

Discounts worth asking about

Discount names and amounts differ by insurer and change over time, so treat this as a checklist rather than a promise. Ask your broker which of these apply to you:

• Winter tires (Ontario insurers are required to offer a winter tire discount)
• Multi-vehicle
• Usage-based or telematics programs, where offered
• Claims-free and conviction-free history
• Bundling more than one policy with the same insurer
• Paying annually instead of monthly

Comparing Pafco with other insurers

Because Pafco is available through brokers, you don't have to request quotes from each company one by one. A broker can gather your details once and check Pafco alongside other insurers they represent. Availability depends on each broker's contracts and on your profile.

When you compare, look beyond the monthly price: check liability limits, deductibles, which endorsements are included, and how claims are handled.

How to switch insurers without a gap

Switching is usually simple if you plan a little ahead:

• Start comparing 30–45 days before your renewal date
• Have your licence, vehicle details (or home details) and current policy ready
• Ask your current insurer for your claims history (a 'letter of experience')
• Set the new policy to start before you cancel the old one, so you're never uninsured
• Mid-term cancellations may involve a short-rate fee — ask before you cancel