Ask AdamYour Ontario Insurance Questions!

Adam Mitchell

Ask Adam!

Insurance has a knack for being really hard to understand. Luckily, our President and Chief Awesomeness Officer, Adam Mitchell, has a knack for making complex ideas easy to understand. Check out his answers to some common insurance questions.


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Previous Installments of Ask Adam

Ask Adam: Auto Insurance Myths

June 3, 2018

Every industry has its usual suspects of associated myths, and the insurance industry is no different—especially when it comes to auto insurance. Our brokers regularly come across the same misconceptions about auto insurance coverage and regulations, mostly regarding how accidents and tickets can affect your insurance premiums in Ontario. In this installment of Ask Adam, Adam addresses some of the most common myths.

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Ask Adam: High-risk Auto Insurance Special

February 28, 2018

We have a lot of customers who ask questions about high-risk auto insurance and what it means to be deemed a high risk driver after receiving a notification from their insurance company. We thought it would be a great opportunity to shed some light on the topic and make it a little bit less scary for those of you who find yourselves needing to shop around for new insurance.

Read more

Ask Adam: Car Insurance Special

November 14, 2017

In This Installment of Ask Adam:

  1. Driver training & lower car insurance
  2. Transferring driving experience to Ontario
  3. How auto insurance companies set their rates
  4. Less-known ways to save on car insurance
  5. Insurance company with best rates in Ontario
  6. Why your car insurance rate could change
  7. How fault is determined in a car accident
  8. Missed car insurance payments
  9. Cost of commercial vs. personal auto insurance


Hi Adam,
If I take driver training, will it affect my car insurance rate? Is driver training worth it?

Patrick from Toronto

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Ask Adam: Motorcycle Insurance Special

August 22, 2017

In This Installment of Ask Adam:

  1. Cost of insurance vs. value of motorcycle
  2. Insurance for custom bikes
  3. Rider training discounts
  4. Standalone motorcycle insurance
  5. Sportsbike blacklists
  6. Multiline discounts for experienced riders
  7. Advice for first time riders
  8. Seasonal motorcycle insurance
  9. Impact of automobile driving history on motorcycle insurance rates


Hi Adam,

Why would it cost me $3,000 – $4,000 for first time insurance when I only paid $1500 for my starter bike?

John in Scarborough

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Ask Adam: Home Businesses, Water Coverage, Moving Companies, and More

July 31, 2017

In This Installment of Ask Adam:

  1. Home day cares and insurance
  2. Working from home and insurance
  3. Choosing an insurer for a home-based business
  4. High-rise water coverage
  5. Insurance from moving companies
  6. Home insurance and moving company damage
  7. Rental car accidents and your personal policy


Hey Adam,
I run a daycare from my home, do I have coverage under my home insurance?

Sandra from Toronto

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Ask Adam: Term or Permanent Life Insurance?

July 12, 2017

Hey Adam,
I know I should be considering life insurance but I’m confused about the difference between term and permanent. I’ve heard that term insurance is a lot cheaper and the best way to go. Can you help me understand the options so I can figure out what’s best for me and my family?

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Ask Adam: To Claim or Not to Claim

June 28, 2017

Hey Adam,
I’ve had my house and car with an insurance company for eight years and this past weekend, lightning struck twice (sort of). Not only did I have a fender-bender with my car (minor damage and thankfully nobody was hurt), but I also lost some roof shingles in a windstorm. Read more