1. Multi-carrier comparison in one request

A RIBO broker accesses 15-25 Canadian carriers. You fill ONE form, they compare the ENTIRE market. No individual callbacks, no re-typing.

2. Average savings of $200-700/year

Ontario market studies show comparing via a broker saves an average of $200 to $700 per year on auto and home insurance — spreads between carriers can easily exceed $500/year for the same profile.

3. Ontario coverage expertise

A RIBO broker knows Ontario specifics: SABS, DCPD, OPCF 44R, water damage exclusions, condo Section D, Great Lakes cottage coverage, etc. Avoids nasty surprises at claim time.

4. A negotiator on your side

The broker works for YOU, not the carrier. They negotiate premiums, deductibles, endorsements. At renewal, they automatically re-shop.

5. Claim support

When you file a claim, your broker helps navigate the process, contest unfair decisions, and recover what you’re entitled to. A valuable ally in tough times.

FSRA supervises RIBO brokers. Complaints can be filed with RIBO or the insurance ombudsman. AccesDirect connects you to these licensed professionals — we don’t provide insurance advice.