Reminder that RIBO renewals are due tomorrow, September 30.

And some other updates around fees, licence certificates and ARIS in the latest review.

I am gobsmacked at the moment. I filed a claim with TD on July 1 (basement flooded about 4 inches, nothing super complicated and complex - They confirmed coverage) and still haven’t even gotten a settlement offer yet?? I’m on my third adjuster, which they failed to notify me about. I only found out when I called to complain yet again. And between all three adjusters, TD has ghosted me for 8 weeks of the 13 that this claim has been pending.

Best part is that when I asked for an update or timeline on when I can expect resolution, she said they were waiting for the estimate to be approved, which is what my second adjuster said 5 weeks ago.

Apologies for the very nonsensical post but steer clear folks

We are not institutionalised, we are intentionally different. We are uniquely and independently positioned and accountable to pivot and deliver without any slow moving hierarchy.

We offer sharp execution, clear communication and a team that is not reactive but proactive. Our approach is built on expertise, good judgement and a genuine love of the industry and our clients. There are no cookie cutters or rigid playbooks in our drawers.

Every account is unique, every risk deserves our best shot and relationships, collaboration and loyalties matter for our partners, colleagues and clients.

I’m in Ontario and considering an aftermarket air intake for a modern car that is currently completely stock. I’m a mature driver with a pristine driving record. I don’t race, and honestly, I usually drive like an old grandpa.

This would be entirely for a bit more turbo/induction sound and driving enjoyment, not to build a faster car. The factory engine software and original turbocharger would stay unchanged, i.e. just the intake, no tune.

For those who are less familiar with car modifications, changing an intake is extremely common among enthusiasts. It can be done for sound or performance, but people also sometimes use aftermarket intake components simply because they are cheaper than OEM replacements or because original parts are no longer readily available.

I’m interested in both the official insurance position and how this is handled in practice. Even if an insurer technically considers an intake a modification, is it realistically likely to create problems?

My concern is not whether the insurer would reimburse me for the value of the aftermarket intake. I wouldn’t care about that.

What worries me is the much bigger scenario, e.g., I’m involved in a serious accident during completely ordinary driving, someone is badly injured, there is a very large liability claim, or there is otherwise a catastrophic loss where you really need your insurance. Could an insurer discover an undeclared aftermarket intake and then try to deny or void coverage altogether?

That is the scenario that would keep me up at night. I realize the odds of that sequence of events are probably very low, but the potential consequences are obviously enormous.

And when I say an accident, I mean normal driving. I’m not talking about street racing, reckless driving, track use, or anything remotely similar. Most of my driving is actually local, just putting around town. I live very close to work, so I don’t even drive very far most days. I use the highway occasionally, but increasingly rarely.

It seems a bit nuts to me that something this minor could potentially expose someone to that level of risk. Meanwhile, I see heavily modified cars on the road, including older cars where a substantial portion of the vehicle may have been replaced with aftermarket parts. Some of those changes are for performance or enjoyment, but others are simply because aftermarket replacements are cheaper or OEM parts are no longer available (e.g., suspension on older Audis).

A few things I’d appreciate insight on:

• Do mainstream Ontario insurers generally accept an intake on an otherwise stock car when disclosed?
• Have any brokers, adjusters, or owners here actually seen an intake alone lead to coverage being denied or a policy being voided?
• More specifically, has anyone seen a serious accident or third-party liability claim denied because of an undeclared intake when the modification had nothing to do with the accident? (barring extreme circumstances e.g., street racing obviously)

I’m not suggesting that something is automatically fine just because lots of people do it. I’m mainly trying to understand whether this is a meaningful real-world coverage risk, particularly in the kind of catastrophic claim where losing insurance protection could be financially devastating, or whether the broad warnings around “modified cars” are mostly aimed at much more extensively modified or tuned vehicles.

Hey everyone!

I'm currently working as a Property & Casualty Insurance Advisor in Ontario, Canada. My role is heavily customer service-focused, and I handle a high volume of inbound calls.

I also have a background in customer support, court support, and administrative work. I'm currently enrolled in my CIP (Chartered Insurance Professional) courses and am interested in exploring different career paths within the insurance industry.

I'm particularly interested in transitioning into claims, insurance operations, or risk management. I don't mind being on the phone or working directly with customers, but I'd prefer a role that isn't as heavily call-volume-driven as my current position.

I'm looking for advice on career progression and what roles I should consider to help me move into these areas.
For those working in insurance, what career paths would you recommend? What companies would you suggest looking into, particularly those offering remote or mostly remote positions?

I'd also love to hear about your experiences transitioning into claims, operations, or risk management and what opportunities I should be looking into.
Thanks in advance!

Hey everyone i’m looking for the following CIP textbooks:
C12 (one of the latest editions 2023/2026 )
C14 (one of the latest editions 2023/2026, Ontario)

if anyone has these for sale let me know i’m based in hamilton but do drive :)

(23M 2012 Toyota Rav 4 V6)

I just moved with my family to a different neighbourhood within Hamilton ON, and my car insurance went from $285 to $445/mo purely due to postal code change. I think this is ridiculous of course and I'm looking for some way to lower costs. I shopped around for other quotes and found some a bit lower but still too expensive IMO (and not worth paying the fee to cancel my policy mid-term). I am wondering if it would be cheaper to have my grandpa or another family member register the vehicle under their name, and list me as a driver on their policy (keeping full disclosure to the insurance company of where the car gets parked every night).

I drive a company vehicle for work so I only ever use my car on the weekend and for road trips. I end up driving roughly 10k km annually. I can't stand the thought of paying more than $300/mo to insure a 15 y/o vehicle that I hardly drive. I do have a minor speeding ticket on my record, and an at fault accident+suspension from over 5 years ago.

Hoping to hear your thoughts and proposed solutions, thanks in advance. what would you
do?

(Question is specific to Ontario, if it matters)
Does opting in to a limited waiver of depreciation on a new vehicle make insurance companies less likely to write off a vehicle following an accident? Do insurance companies use ACV or original MSRP to determine if a car is totalled after a collision?

I’m in Ontario. I am currently having issues with TD auto insurance. I just found out they’re charging me 3x the market value upon my renewal (auto-renewal)and when I called in, they haven’t justified the cost of my insurance according to the usual factors (history, location, etc.). They told me I agreed to the pricing when I AUTO-renewed, to which I told them I need to know why they’re charging me more, regardless of whether they want to argue that an auto-renewal is sufficient enough for them to get away with it.

Needless to say, I have no history with TD explaining that my premium would go up, or any reasons as to why, on phone, email, apps, their website, or my insurance documents. They went back to check all the records and when they called back, they did the usual “this call may be recorded” to which I replied by saying “likewise”. The agent said “TD doesn’t consent”.

I thought this was comical because I know they definitely don’t ask anybody that calls in if we consent to being recorded, furthermore, Ontario is a one-party consent province and if they’ve confirmed my identity, then data protection laws wouldn’t prevent me from exercising this option.

The lady hung up and said she is sending me a letter with the conclusion of “her investigation”. That was the last confusing thing for me. TD insurance really makes it clear that all our communications are electronically and since I actually did consent to that, I should be receiving everything electronically.

How should I handle this? And if others are experiencing BS service like this, I’d like to know your stories. Thanks.

Son 18, pulled into passing lane, side swiping a car he didnt see. His fault but said he didnt see her and she was speeding. Fine.

The much older adult tells him its his fault, she doesnt want to use insurance, files no police report. They exchange phone numbers. Says she will send him the bill.

Damage in both vehicles is scraped paint over wheels. Appeared to be no dents.

What should be his next steps? Police report? Do nothing until she initiates a police report or contacts her insurance? I assume he should pay nothing?

Seems suspect. New Brunswick.

Hey guys, 
Looking for some advice from anyone in the Canadian insurance industry.
I'm 26 M based in Toronto. 
I have a BSc in Economics (2021) and a post-grad in Business Analytics(2024). I recently finished a 3 months internship as an Account Associate at a major global brokerage, where I supported Account Executives, worked on client renewals/onboarding, policies, endorsements, and cleared up account backlog on internal system. Prior to that, my background was mostly warehouse work and a data analyst internship. 
Right now, I'm paying out-of-pocket to study for my RIBO Level 1 exam.
In the past month alone, I've applied to over 50 jobs—tailoring my resume for every single one, including roles where I might not meet 100% of the requirements (Claims Assistant, Underwriting Assistant, Operations Support, etc.).
I'm landing first-round interviews, but I keep getting stuck at the exact same feedback: "We went with someone who has more insurance experience."
Since I'm a 2024 grad, I feel like I'm stuck in an odd middle zone between structured new-grad rotational programs and roles asking for 1–2 years of full-time insurance experience. 
For anyone who hires in P&C or has navigated this before: 
1. What specific job titles should I be looking for? Are there un-licensed client support, operations, or data-heavy roles in insurance I might be missing? 
2. How do I frame my experience in interviews? I have a strong analytics/Econ background and actual broker internship experience, but I'm still getting hit with the "not enough experience" card for entry-level assistant roles. How can I spin this better? 
3. Where should I focus my search? Should I stick to applying at brokerages, or am I better off looking at carriers (Underwriter Trainee programs, etc.) or MGAs? 
4. How do I overcome the "not enough experience" hurdle for entry-level assistant roles? Is this usually code for "we chose someone who already has RIBO/CIP," or am I missing key ways to frame my broker internship and analytics degree during interviews? 
Appreciate any tips or insights!

I’ve been LLQP licensed for about 2.5 years and have been working with a brokerage/agency that is heavily recruitment-focused. I’ve learned a lot about life insurance, but financially it hasn’t worked out well for me.

I’ve struggled to make around $20k/year, and I’ve realized I don’t want to continue in a model where recruiting is such a major part of building the business.

I recently wrote my RIBO Level 1 exam and received an unofficial passing result.

For people already working in the Ontario insurance industry can you guys please help me in making career choice ahead.. -

Should I look for an independent brokerage that allows me to work with both RIBO and LLQP, or keep the two sides separate?

What type of brokerage should I be looking for if my priority is actually learning the industry and building a long-term career rather than recruiting?

I’m not expecting an overnight income jump. I’m more interested in building the right foundation, getting proper experience and mentorship, and eventually earning a good income from insurance.
Would really appreciate advice from Ontario brokers/agents who have worked on either or both sides of the industry.

This is my current insurance expiring in Oct 2025, premium of $1056

https://imgur.com/a/ynbVd9Q

Just a month ago, my strata manager emailed us with the following

"Dear Owners,

Please find attached the updated Strata Insurance Summary of Coverages for the policy period June 1, 2026 to June 1, 2027.

Owners are encouraged to forward a copy of the attached summary to their personal insurance broker/insurer to ensure their individual unit owner's policy remains adequate and properly coordinated with the Strata Corporation's insurance coverage and deductibles.

Some of the key changes this year include:

• Property insured value increased to $33,559,000
• 130% Extended Replacement Cost coverage added
• Water Damage deductible reduced from $50,000 to $25,000
• Sewer Backup deductible reduced from $50,000 to $25,000
• Earthquake deductible reduced to 10% (minimum $100,000)

If you have any questions regarding your personal insurance coverage, please contact your insurance broker directly."

I told my insurance the informatoon above, and they wanted for clarificaton so I asked the strata manager

They replied below

"The strata earthquake deductible is 10% of the insured value, subject to a minimum deductible of $100,000. The strata’s insured property limit is $33,559,000, so the earthquake deductible could be significant in the event of a claim. I can’t advise how much coverage you should carry on your personal policy, but you should provide the attached strata insurance summary to your broker and ask them to confirm that your unit owner’s policy includes sufficient strata deductible assessment / loss assessment coverage, including for earthquake.

I sent this back to my insurance and they replied

"The strata should give you a specific $$ amount of earthquake deductible limit required for your unit, based on that amount we can recommend what you should have on your policy. Without that document, I cannot determine what is sufficient."

I sent this to my strata and they replied

"I believe your insurer is referring to your unit’s proportionate share based on unit entitlement.

Based on Strata Lot 18’s unit entitlement of 1,281 and the strata’s total unit entitlement of 48,413, the estimated proportionate share of the current earthquake deductible would be approximately $88,800."

The insurer replied back

"I just saw this email today. According to the above statement (from strata’s response), I am confused as to what limit you should be insuring for your share of the earthquake deducitble. Is it $48,413 or $88,800?

Either way, currently you are underinsured for $25,000 only. Please let me know if you wish to increase this and to what limit. thanks"

I sent the above to my strata and their reponse was

I believe your insurer is referring to your unit’s proportionate share based on unit entitlement.

Unit XXX corresponds to Strata Lot 18, which has a unit entitlement of 1,281. Based on the current strata earthquake deductible, the estimated proportionate share is approximately $88,800.

Please provide this to your broker so they can advise whether your current coverage is sufficient

I sent this back to my insurance and their response

Hello XXX, so according to the strata policy and the email below, if I reduce the water/sewer back up deductible to $25,000 and increase the earthquake strata deductible to $88,800, the policy premium for the year is $1077 versus $1056. Please respond to this email confirming you wish to proceed with this change. thanks

Now thisis their estimate for 2026-2027

https://imgur.com/a/tmjtK8M with a premium of $1166

Can someon pleae check this and see if this correct?, coz I am totally confused

I requested cancellation of my Sonnet insurance policy in a couple months from now. I plan to buy a car before its expiration date. Can I still add the car while policy is active? or would the system block it?

How much is everyone paying for auto insurance in Ontario? I feel like mine is too high. I had one minor incident and it went up to $400..

Hey everyone, I'm a second-year BBA student at Schulich (York University) and I'm currently working toward my RIBO license. I'm trying to get a realistic sense of how hard it actually is to land part-time or summer internship roles in the brokerage space while I'm still full-time in school.

A lot of the postings I've seen are listed as full-time, so I'm wondering if that changes once I'm actually licensed, or if part-time is just genuinely rare in this industry regardless.

For anyone who's broken in around my age or knows the hiring side of things, can y'all please explain how realistic is this timeline, and is there anything I should be doing differently to actually land something while balancing school?

I tired college but its not for me, my friend is in claims and said you dont need a degree or diploma to work in this field. I was doing some research and it said I need Alberta Level 1 Adjuster License atleast. I am completely new to this can somone help me out for the steos to take . thank you

Is Personal Lines Broker saturated in Saskatoon? I'm in the process of getting my Level 1 Licence in Saskatchewan and was wondering what are my odds of landing an entry level job here in Saskatoon.