Collision damage
Scenario: A driver damages their vehicle in a collision.
What happens next: Record the incident and ask how fault, selected collision protection and the deductible affect the assessment.
A smarter way to explore insurance
Smarter insurance shopping starts here.
Your car. Your home. Your business. Explore potential savings with AI-ready research tools and take the next step with a licensed insurance professional.
20%
What could a lower premium mean for you?Illustrative example: $2,400 → $1,920 per year is $480 less. Not an available offer. Try your own numbers →
✓ Compare coverage and price✓ No obligation to buy✓ Clear next steps
Your life. Your coverage.Compare the details that matter to you
A little guidance goes a long way.Explore your next step with confidence
Live examples
A.M. Fredericks UnderwritingABEX o/b Affiliated Broker Exchange
Allianz Global RisksAmbri AssuranceApril Canada Inc.April MarineArthur J. Gallagher & Co
AVRO Insurance ManagersBeazley Canada LimitedBerkley Insurance CompanyBlueCross BlueShield
Burns & Wilcox CanadaCAA InsuranceCAN - Continental Insurance
Cansure Underwriting LtdCaradoc Townsend MutualChes Special Risk Inc.Chubb InsuranceChutter Underwriting Services
Core Underwriting ServicesDefinityDesjardins Financial Security Investments Inc.
Dominion of Canada/Travelers/Travelers EssentialEagle Underwriting Group Inc.Echelon
Excess Underwriting Corp.Facility Association
Forward InsuranceGlobal Aerospace Underwriting
Great-West LifeGroupAssureGroupOne Insurance
HDI Global Specialty SE
IA Excellence Life Insurance
INGLE International
Intact Public Entities
La CapitaleLiberty International CanadaLynx Insurance UnderwritersMarkel
NorthbridgeOld Republic
Optiom
PAL Insurance Brokers Canada
Premier Canada AssurancePremier MarinePremium Marine
Revolution Advanced Underwriting
SignalSignature Risks
South Western GroupSovereign GeneralSpecial Risk InsuranceSports & Fitness InsuranceSSQ AssuranceStarr Technical RisksStrategic UnderwritingSummit Underwriting Group Inc.The Boiler Inspection and Indemnity Company (BI&I)
The Totten Insurance GroupTrans Canada
TravelersTrinity Underwriting
Unique Risks
Victor Insurance
From Insurance Genie
Recent policy purchases
Explore recent policy purchases shared through our participating insurance professionals.
Recent policies will appear here when the Insurance Genie CRM feed is connected.
One place to start
Big decisions.
Clearer choices.
Start with what matters to you. We’ll help you understand the questions behind your next insurance decision.
Your everyday drive. A more informed renewal.
Car insurance
Compare car insurance using your drivers, vehicle use, coverage and deductible preferences.
Explore car insurance
Protection for the place you call home.
Home insurance
Explore home, condo and tenant insurance, including water damage and personal liability.
Explore home insurance
Built around the work you actually do.
Business insurance
Review liability, property, business interruption and the requirements in your contracts.
Explore business insurance
For the people who depend on you.
Life insurance
Explore term and permanent life insurance, and plan for the financial needs of the people you care about.
Explore life insurance
For the journey ahead.
Travel insurance
Prepare for your next trip with guides to emergency medical, trip cancellation and visitor insurance.
Explore travel insurance
Your industry. Your insurance questions.
Explore business classes
Find insurance guidance for contractors, retailers, professional services and other types of business.
Find your industry
Your world. Your insurance.
From your driveway to your business.
Explore insurance for the places, plans and people that matter to you. Start with the type of cover you need, then discuss your options with an insurance professional.
Explore insurance options →
Three steps
Less guesswork. A better conversation.
1Prepare
Gather the details of your vehicle, property or business, along with any current policy and renewal notice.
2Compare
Ask for proposals based on consistent information. Look at limits, exclusions, deductibles and the full annual cost.
3Confirm
Talk to the licensed professional about differences. Obtain confirmation of the terms and effective date before relying on coverage.
What Insurance Genie doesInsurance Genie is an independent information and referral platform. Participating licensed providers give insurance advice, quotations and policies. Availability depends on the province, product and provider.
Rotating examplesNew examples as you browse.Calculated:
Examples rotate as you browse. Assumed amounts, not insurer quotes or customer results.
Rotating savings illustrations
Small percentages. Meaningful differences.
Explore what a different annual premium could mean. These examples use assumed amounts to show the calculation, then point you to the coverage details worth comparing.
A car insurance coverage checkIllustration
10.0%
lower in this calculation
Assumed annual amount$1,800/yr
Assumed alternative$1,620/yr
Calculated difference$180/yr
Keep vehicle, driver, use and coverage details consistent when requesting proposals. Illustrative amounts, not a quote.
A condo insurance comparisonIllustration
25.0%
lower in this calculation
Assumed annual amount$1,200/yr
Assumed alternative$900/yr
Calculated difference$300/yr
Ask about unit improvements, personal property, loss assessment and deductibles. Illustrative amounts, not a quote.
A contractor insurance reviewIllustration
15.0%
lower in this calculation
Assumed annual amount$4,000/yr
Assumed alternative$3,400/yr
Calculated difference$600/yr
Compare insured operations, tools and equipment, subcontracting conditions and contract requirements. Illustrative amounts, not a quote.
Calculated illustrations only. The amounts are assumed, not customer results, insurer quotes or market averages. A lower price may involve different terms. Check limits, exclusions, deductibles and payment costs with the licensed provider.
Savings, made tangible
Now put your own numbers to work.
See the dollar difference between your current annual premium and an alternative. Adjust the amounts below, then compare the coverage behind the price.
Illustrative calculations only. These percentages are not actual client results, available offers or a prediction of what you will save.
YOUR COMPARISONCAD / year
20%lower in this example
$480$40 per month equivalent
Check limits, deductibles, exclusions, taxes and fees before comparing prices. Monthly equivalent is annual difference divided by 12, not an instalment quote.
Our brokerage partner
Good guidance starts
with people you can reach.
Ontario · Billyard Insurance Group
BIG Vaughan.
People behind your options.
Explore your car, home and business insurance needs with Billyard Insurance Group Vaughan. The brokerage can explain the markets, coverage and options available for your circumstances.
7600 Highway 27, Unit 5B
Woodbridge, ON L4H 0P8
vaughan@thebig.caWoodbridge, ON L4H 0P8
Insurance providers listed by BIG Vaughan
Aviva Canada↗Intact Insurance↗Economical Insurance↗Wawanesa Insurance↗SGI Canada↗Pembridge Insurance↗Availability depends on the product, province and the brokerage’s current arrangements.
Explore the full provider directory →Make your next move a smarter one
Practical help.
Before you even ask.
01 / PLAN
Your next renewal, organized.
Use a checklist and download a calendar reminder so you have time to compare.
Open your planner →02 / CALCULATEPut the numbers to work.
Explore 18 practical business calculators, cost comparisons and planning checklists.
Explore the tools →03 / PREPARESelling at your next event?
Understand vendor liability, event requirements and questions to ask about your certificate.
Read the vendor guide →Your questions, answered
Your insurance questions. A clearer place to start.
Insurance Genie brings car, home and business insurance information together so you can prepare better questions and compare available options with a participating licensed provider.
What is Insurance Genie?
Insurance Genie is an independent insurance information and referral platform. If you found us while searching for Genie insurance or the Insurance Genie, this is the same website. Insurance advice and policy placement are provided by participating licensed professionals, subject to availability and underwriting.
Can I get personalized insurance advice here?
You can use the guides, checklists and enquiry routes to organise your needs. Personalized insurance advice and a recommendation about your particular policy must come from a licensed professional who has reviewed the relevant facts.
What does general insurance mean for my household or business?
Start with the particular need: car insurance, home insurance, office insurance or another business insurance activity. The right information is different for each, and a general insurance label does not describe the coverages, exclusions or limits of a policy.
How can AI help with insurance research?
AI tools can help explain general insurance terms and organize questions for a licensed professional. Keep personal information out of general research, and verify important answers against the policy wording and a licensed professional. An AI response is not an insurer quote or confirmation of coverage.
How should I compare savings claims?
Use your own current and alternative annual prices with equivalent coverage. The savings examples on this website show arithmetic, not measured customer results or promised discounts. Confirm the actual offer, fees, deductibles and coverage before making a decision.
Is Insurance Genie an insurer or brokerage?
No. Insurance Genie is an independent insurance information and referral platform. Participating, appropriately licensed providers are responsible for advice, quotes and policy placement.
Can you guarantee the cheapest insurance?
No. The cheapest insurer can differ for every person and business. Compare equivalent coverage using accurate details, and ask a licensed professional to explain the final price and terms.
Can I compare home and auto insurance together?
Ask about a home and auto insurance bundle, then compare the total cost and protection against separate policies. The right option depends on your circumstances and the available providers.
Where can I get personalized insurance advice?
Advice about your circumstances comes from an appropriately licensed professional. Use our guides to prepare questions and contact us about the next step and participating provider availability.
A clearer next chapter
Good questions.
Better informed decisions.
Tell us what you want to protect and explore the next step.
Be prepared
Claims scenarios: what happens next?
Hypothetical situations to help you prepare questions—not actual client claims or promises of coverage.
Sudden water damage
Scenario: A pipe breaks and damages flooring and belongings.
What happens next: Document the source and damage. The insurer will review the cause, policy wording, limits and deductible; different water events have different treatment.
A customer alleges an injury
Scenario: Someone alleges an injury arose from the business operations.
What happens next: Preserve incident records and notify the insurer. Declared activities, liability wording and the facts determine whether a policy responds.
Actual outcomes depend on the facts and applicable wording. Read claims guidance · Ask about the next step
