Mitchell & Whale Team authors

The articles you'll find on the Mitchell & Whale blog are all the result of a team effort, contributed to by one or more of our RIBO licensed insurance brokers and/or other Ontario insurance experts. Contributors to our blog include our president, Adam Mitchell, Nick Kidd, Alex Gemmiti, and others, too numerous to include here.

Posts by Mitchell and Whale Team:

Roomates

If I Have Roommates, Do I Need My Own Insurance?

In a word… Yes. While some insurance providers will let you add yourself to a roommate’s tenants insurance policy, allowing you to share the cost of the premiums, do NOT assume that you and your belongings are covered under their plan. Because the cold hard truth is that you are likely not. Tenants insurance is

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New normal

Life After COVID-19: What Will It Mean for My Insurance?

It came upon us quickly, and lingered on long enough to change our lives indefinitely. Now a new (old?) normal is on the horizon, and that can mean changes that affect your insurance policies. Whether for your car, your home or your cottage, it’s important to make sure these policies are up to date while

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What type of vehicle is cheapest to insure?

What Type of Vehicle is Cheapest To Insure?

There are lots of myths out there about what kind of car or truck will cost you more or less to insure. Most Ontarians would assume that a sports car will come with higher premiums, especially a red one. Not necessarily true. We also think that the bigger and more expensive the car, the more

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Car insurance: The most expensive neighborhoods in Toronto

Toronto’s Most Expensive Neighbourhoods for Auto Insurance

Within the current boundaries of the City of Toronto, there are 102 postal code groups (first 3 letters) that identify an area or neighbourhood, and can affect the premium you pay for auto insurance. Of all the postal codes, those in Scarborough are the most expensive, with 16 of the 17 Scarborough postal codes paying

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Young drivers - how much for insurance?

Young Driver in the House? How Much For Insurance?

For parents who have new and learning drivers in the house or maybe even getting their own car to go off to school, it’s good to know how much you can expect to pay for their auto insurance. The short answer is that for a family living in North York, it could cost you as

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Cheapest cars to insure

How Much to Insure Canada’s Cheapest Cars?

If you are considering buying a vehicle on Auto Trader’s list of Canada’s cheapest vehicles, you should know that the lowest-cost vehicles don’t necessarily get you the lowest insurance premiums. Here’s what it would cost 4 Ontario drivers to insure the cars on the list.

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Telematics

Usage-Based Insurance Can Now Surcharge You

When usage-based insurance (UBI or telematics) first came to Ontario in 2013, the law allowed insurers to give discounts based on good driving behaviour, but did not allow surcharges based on bad driving behaviour. As of November 2020, the law has changed, and insurers can now surcharge you if your telematics app records risky driving

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How much is home insurance in Ontario?

How Much is Home Insurance in Ontario?

Home insurance is essential protection for anyone who owns their own home. It’s not mandatory, but if you have a mortgage, your bank will insist that at least the structure itself be insured. So if you’re buying for the first time or looking to move, you might want to know how much you’re likely to

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