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Mr. Xu has one at fault accident. Unfortunately for him, he had just moved to Ontario two years ago and is still considered a ‘new’ driver. As a new driver, he didn’t yet qualify for accident forgiveness. As a result of this at fault claim, his rates skyrocketed on renewal. He reached out to us for help. We re-shopped his policy across multiple insurers, found one willing to recognize his prior international driving experience and enroll him in a usage-based program, and adjusted his deductible to keep costs down. His new premium came in far below the renewal quote, and with clean driving going forward he’ll rebuild his record and qualify for accident forgiveness in the near future.

Mr. Lopez has never been in an accident. However, he has multiple infractions on his record. They’re all minor but he’s got three. He’s 26 years old and has had continuous insurance since he was a teenager. But for the first time in his life, his insurer has denied him coverage. He was frustrated but determined. He reached out to one of our expert agents, who reviewed his record, explained the denial, and searched for better options. Within days, we found a carrier that valued his clean driving record and offered a fair rate. He also took a defensive driving course to strengthen his profile. Today, Mr. Lopez is insured, informed, and grateful—and he strongly recommends working with a pro agent from Ensurco who will advocate for you when your old insurer won’t.

Mrs. Davis has been driving for over 30 years and in that time she’s never been involved in an automobile accident or received a ticket. Her driving history was impeccable. Unfortunately, Mrs. Davis lost her husband rather suddenly and while she was dealing with this heartbreak, she momentarily failed to notice a reduced speed zone and received her first speeding citation. Embarrassed and overwhelmed, she reached out to us for help. Her broker listened with compassion, presented her impeccable record and the extraordinary circumstances, and guided her through each step. The citation was reduced, no points were assessed, and she can now focus on healing while continuing the safe driving habits she has maintained for decades.