Author: Mitchell and Whale Team

About Mitchell and Whale Team:

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:

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

25 May 2021 in COVID-19 Resources & News

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?

06 May 2021 in Auto Insurance

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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Toronto’s Most Expensive Neighbourhoods for Auto Insurance

18 Apr 2021 in 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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Pros & Cons: Insurance Brokers, Agents, Direct Writers & Comparison Sites

13 Apr 2021 in General Insurance Info

There are four different ways to shop for home, car or other personal insurance in Ontario. You can shop directly with an insurance company, or with an agent that only works with one company, and that will get you exactly one quote. Or you can shop with a licensed insurance broker or online insurance comparison […]

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Why Young Men Pay More for Car Insurance, & What They Can Do About It

11 Apr 2021 in Auto Insurance

For as long as there has been car insurance, men have paid higher premiums than women. This is not unfair discrimination. It’s based on hard facts. They also make more claims and more expensive claims.

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Young Driver in the House? How Much For Insurance?

07 Apr 2021 in Auto 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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How Much to Insure Canada’s Cheapest Cars?

06 Apr 2021 in Auto Insurance

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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Usage-Based Insurance Can Now Surcharge You

24 Mar 2021 in Auto Insurance

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?

23 Mar 2021 in Home Insurance

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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First-Ever Fully Online Insurance App for M1 Motorcycle Riders

19 Mar 2021 in Motorcycle Insurance

With new riders having trouble booking rider training and M2 tests due to the pandemic, M&W has launched a new online app to help M1 licence holders get insured and get on the road in 2021! The first of its kind in Canada, the app will deliver accurate quotes in as little as 4 minutes, […]

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