1. Multi-insurer Comparison in One Request

A RIBO broker has access to 15-25 Canadian insurers. You fill out ONE form, they compare the ENTIRE market. No individual follow-ups, no re-entry of information.

2. Average Savings of $200-700/year

Ontario market studies show that comparing through a broker saves an average of $200 to $700 per year on car and home insurance — gaps between insurers can easily exceed $500/year for the same profile.

3. Ontario Coverage Expertise

A RIBO broker understands Ontario’s specifics: SABS, DCPD, OPCF 44R, water damage exclusions, condo Section D, cottages on the Great Lakes, and more. They help you avoid surprises when you file a claim.

4. A Negotiator on Your Side

The broker works for YOU, not the insurer. They negotiate rates, deductibles, and endorsements. At renewal, they automatically shop around again.

5. Support When You File a Claim

When you submit a claim, your broker helps you navigate the process, contest unfair decisions, and recover what you’re entitled to. A valuable ally during a difficult time.

The FSRA oversees RIBO brokers. Any complaint can be filed with RIBO or the insurance ombudsman. AccesDirect connects you with these licensed professionals — we do not provide insurance advice.