Guides

Claims & provincial rules guides

How claims, complaints and provincial regulation work.

Organizing receipts and documents for an insurance claim

Adult comparing an online insurance estimate with a paper quote at a kitchen table, laptop screen out of focus — AI-generated illustrative image

Updated Oct 12, 2026

Instant Insurance Estimates vs Quotes vs Policies: What 'Instant' Really Means

What you get in 60 seconds online is usually an estimate, not an instant insurance quote. Here's how estimates, quotes and bound policies differ, how our model works, and which purchases you can finish online in Canada.

Read guide arrow_forward

check_circle

Licensed Your dedicated advisor Matched by province, product & language

Prefer a human review before you buy?

Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.

calendar_month Book a free review groups Meet our advisors