By using Instasure.ca you agree to these terms.
Information, not advice
Guides, calculators and estimates provide general information about insurance in Canada. They are not financial, legal, tax or insurance advice for your specific situation. Advice is provided only by licensed advisors, in the provinces where they are licensed, after reviewing your needs.
Estimates are not quotes
Estimates are indicative ranges for an example profile and date. They are not offers of insurance and do not bind any insurer. Actual premiums and coverage are determined by insurers after underwriting.
Accuracy
We work hard to keep content accurate and current, but rules and prices change. Always confirm important details with a licensed advisor or the insurer.
Your submissions
You agree that information you submit is accurate and that we may share it with a licensed advisor to respond to your request, as described in our privacy policy.
Agent accounts
These terms apply to licensed insurance agents and brokers who register to receive leads.
- Eligibility. You must hold a valid insurance licence for each province and line you select, and keep it current. We verify licences before approval and may suspend an account at any time if a licence lapses, the details are inaccurate, or the account is misused.
- Free leads. Approved agents receive a one-time allowance of free leads, set on the agents page. Free leads have no cash value.
- Plans and credits. Paid plans are billed monthly in Canadian dollars, plus GST/HST for your billing province. Each paid month adds the plan’s lead credits; one credit is used for each lead delivered to you. Credits don’t expire while your account is in good standing and aren’t refundable for cash, except as required by law or at our discretion. Lead volume depends on demand in your provinces and lines and is not guaranteed.
- Renewal and cancellation. Plans renew each month until you turn renewal off in your dashboard; the plan then runs to the end of the paid period. Plan changes take effect at the next renewal.
- Exclusivity. Each lead is sent to one agent only. If a lead is moved to another agent, its credit is returned to you.
- Bad leads. You may report a lead as invalid within the number of days shown in your dashboard. If we confirm it (for example, the contact details don’t work, it is a duplicate, it is outside your licence, or the person did not request contact), we return the credit. Our decision is final.
- Using leads. Contact each person only about the request they made, promptly and professionally, under your own licence and your regulator’s rules, including CASL, the National Do Not Call List rules and privacy law. Don’t resell, share or upload leads to other services. Keep lead information secure and delete it when you no longer need it.
- Your responsibility. Instasure.ca is a marketing and lead service. It does not give insurance advice, set prices or supervise your advice. You are responsible for complying with your regulator’s rules, including any rules on paying for leads and on disclosure, and with your agency or MGA’s policies.
Intellectual property
Site content is owned by Instasure.ca or its licensors. You may share links and short quotations with attribution.
Limitation of liability
To the extent permitted by law, Instasure.ca is not liable for losses arising from reliance on general information or estimates on this site.
Governing law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there.