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:

Woman with rolling suitcase walking down the road

Moving Out of Province: Can My Car Insurance Come With Me?

In Canada, the reality of moving to a new province means cancelling your current insurance policy and purchasing a new one in whatever province you now call home. Each province has their own laws governing car insurance, so it is necessary to get a new policy when you move…and this can come with some unexpected

Read More…

Car keys being handed over after purchase

New Car vs. Used Car: How Will it Affect My Rate?

Does buying a used car save you a significant portion of your monthly transportation budget? The truth is that, generally speaking, it is not necessarily cheaper to insure a used car than a new one. Much of it depends on the make and model of the particular car, the insurer you choose, and things like

Read More…

Illustration of snowmobiler riding his sled through the snow

How Much is Snowmobile Insurance in Ontario?

To give you a sense for how much snowmobile insurance costs, we ran quotes for Canada’s most popular snowmobiles. For insurance affordability, the mid-sized Yamaha SX Venom and Arctic Cat Blast ZR 4000 are your best bet, at $549 a year for an experienced rider with a clean record. Full size sleds will run you

Read More…

Snowmobile and car

How is Snowmobile Insurance Different Than Auto Insurance?

Getting insurance for your sled is not nearly as complicated as getting auto insurance. Insurance companies have simplified ratings that group sleds together based on the size of the engine, and they rate riders broadly as experienced or inexperienced, instead of crediting you for every year you ride. Tickets and accidents still count against you,

Read More…

Amazon packages

Selling on Amazon? Okay, NOW You’ll Need Insurance

Amazon has announced a tightening of the rules regarding product liability insurance. From now on, a seller using their marketplace to deliver goods to customers, either through Fulfillment by Amazon or Fulfillment by Merchant, must acquire Product Liability Insurance once sales reach $10,000 in any one month. While Amazon has turned a blind eye to

Read More…

Wood burning stove

My Cottage, My Insurance, and a Wood Burning Stove

While wood burning stoves have become safer and more environmentally friendly, they still provide enough of a fire hazard to put upward pressure on insurance premiums (about 10%). That’s if your stove is properly installed and inspected. A wood stove that’s not installed to code could render your cottage uninsurable. What is cottage nightlife, after

Read More…


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

Read More…

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

Read More…

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

Read More…

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

Read More…