"My renewal came back at $214/month. Primeroad placed me with TD on a prepaid 12-month and I ended up paying $1,479 total — way less than what I was quoted anywhere else."
Amara O.
Scarborough, ON · Full G driver
Short-Term Auto Insurance · Canada
Get your pink slip in minutes
Quote your VIN, prepay once, and get a valid pink slip (proof of insurance) accepted at every Canadian provincial registry. Short-term policies (1 to 3 months) are not subject to a driver background check. That means you're treated as a low-risk driver — and previous cancellations or lapses don't count against you.
Pink slip = your official liability slip / proof of insurance
- No
- Background check
- Low-risk
- Driver rating
- Cancellations
- Don't matter
primeroad.ca / quote / preview
Quote Preview
Your vehicle · sample preview
Estimated 3-month rate
$389CAD
One-time prepaid amount
- Full coverage selected
- Driver profile completed
- Review in progress
Why Primeroad
A premium brokerage experience, built around your VIN
Everything a modern Canadian driver needs — clean, fast, and broker-reviewed before activation.
No background check
Short-term policies (1–3 months) skip the driver history pull. You're rated as a clean, low-risk driver from day one.
Cancellations don't matter
Previous lapses, non-payment cancellations or missed renewals won't disqualify you or inflate your premium.
Plate & registration ready
Valid proof of insurance accepted at ServiceOntario, Service Alberta, ICBC, SAAQ and other provincial registries for plate stickers, registration and ownership transfers.
VIN-based instant quote
Just your VIN, postal code and license class — no long forms, no credit pull, no phone calls.
Basic or full coverage
Pick third-party liability or full collision + comprehensive with a $500 or $1,000 deductible.
Same-day activation
Pay by Interac e-Transfer, send the screenshot, and receive your pink card the same day.
Quote Flow
Build your prepaid quote
Three short steps. Your details are reviewed before activation.
Step 1 of 3
33% complete
- Vehicle
- Driver Info
- Coverage
Vehicle identification
Enter your 17-character VIN. We'll decode the year, make and model automatically.
0/17 charactersFind it on your dashboard or registration
Coverage
What you're actually covered for
Real Canadian auto insurance limits — not marketing fluff. Available as 1, 3, 6, or 12-month prepaid terms. Longer terms include a built-in prepaid discount; the 1-month plan is perfect for plate renewal.
1 month · plate renewal3 months · standard6 months · save 15%12 months · save 25%
Coverage
Basic
FullBest
Third-Party Liability
Injury or property damage you cause to others
$1,000,000
$2,000,000
Accident Benefits
Medical, rehab & income replacement
Provincial minimums
Enhanced — up to $1M medical, $1,000/wk income
Direct Compensation – Property Damage
Damage to your car, not-at-fault
Included · $0 deductible
Included · $0 deductible
Uninsured Automobile
Hit by an uninsured driver
Up to $200,000
Up to $200,000
Collision
At-fault damage to your vehicle
Not included
$500 or $1,000 deductible
Comprehensive
Theft, fire, vandalism, hail, animal strike
Not included
$500 or $1,000 deductible
Glass / Windshield
Cracks, chips, full replacement
Not included
Included under comprehensive
Loss of Use
Rental car after a covered claim
Not included
Up to $900 / 30 days
Third-Party Liability
Injury or property damage you cause to others
Basic
$1,000,000
Full
$2,000,000
Accident Benefits
Medical, rehab & income replacement
Basic
Provincial minimums
Full
Enhanced — up to $1M medical, $1,000/wk income
Direct Compensation – Property Damage
Damage to your car, not-at-fault
Basic
Included · $0 deductible
Full
Included · $0 deductible
Uninsured Automobile
Hit by an uninsured driver
Basic
Up to $200,000
Full
Up to $200,000
Collision
At-fault damage to your vehicle
Basic
Not included
Full
$500 or $1,000 deductible
Comprehensive
Theft, fire, vandalism, hail, animal strike
Basic
Not included
Full
$500 or $1,000 deductible
Glass / Windshield
Cracks, chips, full replacement
Basic
Not included
Full
Included under comprehensive
Loss of Use
Rental car after a covered claim
Basic
Not included
Full
Up to $900 / 30 days
$500 deductible
Lower out-of-pocket if you ever claim. Adds about $80 per term to your premium.
$1,000 deductible
Standard option. Lower premium — you pay the first $1,000 of any collision or comprehensive claim.
Worked example: Repair bill $4,200 → with $500 deductible you pay $500, insurer pays $3,700. With $1,000 deductible you pay $1,000, insurer pays $3,200.
Comprehensive coverage, explained
Comprehensive (sometimes called "other than collision") protects your vehicle from things that aren't a crash with another car. It's the half of Full coverage most people don't realize they need — until a hailstorm rolls through or a deer steps onto the highway.
Theft
Full vehicle theft or break-in damage. Pays Actual Cash Value of your car minus deductible.
Fire & explosion
Engine fires, garage fires, wildfire damage — covered down to the frame.
Hail, wind & storms
Dented hood, smashed windows, fallen tree branches. Major in AB, SK, and ON every summer.
Vandalism & riots
Keyed paint, slashed tires, broken mirrors — even if the person is never identified.
Animal strikes
Hitting a deer, moose, or any wildlife counts as comprehensive (not collision) — your premium isn't affected the same way.
Falling objects & glass
Rocks off a gravel truck, ice off an overpass, full windshield replacement — typically $0 deductible on glass.
What's NOT covered
- • Mechanical breakdown or normal wear & tear
- • Personal items stolen from inside the car (tenant/home policy covers these)
- • Damage from racing or commercial use
Good to know
- • Required by every lender if your car is financed or leased
- • Comprehensive claims usually don't raise your premium the way at-fault collision claims do
- • Glass-only claims are typically deductible-free
Real-world claim examples
Basic & Full
Rear-ended at a red light
Not your fault. DCPD covers your repairs with $0 deductible.
Insurer pays 100% of repair
Full only
You slide into a pole in a snowstorm
Collision covers your car minus your deductible.
$6,500 repair − $1,000 deductible = $5,500 paid
Full only
Car stolen from your driveway
Comprehensive pays the actual cash value of your vehicle.
ACV of vehicle − deductible paid out
Limits shown reflect a standard Canadian private-passenger auto policy. Final binding limits, endorsements, and exclusions are confirmed on your policy documents at activation. Primeroad is a licensed brokerage; underwriting is provided by partner insurers.
Free Savings Calculator
See how much you could save
Enter what you pay today, pick your term and deductible, and see your estimated yearly savings.
$
≈ $3,360 CAD per year today
Choose policy term
Choose deductible
Deductible is what you'd pay in a claim — not an extra charge.
Trusted by Ontario drivers
Real customers. Real savings.
Average client saves $487/year after switching to a Primeroad-placed TD policy.
4.9★
Avg. rating
2,800+
Drivers insured
$487
Avg. yearly saving
How we reduce your cost
Prepay & save up to 25%
12-month prepaid policies save 25%, 6-month saves 15% — no monthly admin fees.
Right-sized deductible
Choosing a $1,000 deductible instead of $500 typically lowers your premium 8–12%.
Shopped across insurers
We place your file with TD and compare against partners to lock in the lowest legal rate.
Bundle & telematics credits
We apply every available discount: telematics, multi-vehicle, winter tires, claims-free.
Saved $612 / year
"I'm a G2 and every broker wanted $480/month. They got me a 6-month TD policy and walked me through the deductible options on WhatsApp. Felt like a real broker, not a call center."
Daniyal K.
Mississauga, ON · G2 driver
"As a G1 I was getting refused everywhere. Primeroad found me coverage in under an hour and the pink card was in my email the same day. The prepaid discount is real."
Priya M.
Etobicoke, ON · New G1
"Switched mid-term and they prorated everything cleanly. Chose the $1,000 deductible to keep the premium down. Honest advice, no upsell."
Marcus T.
North York, ON · Full G · Sedan
Reviews reflect verified Primeroad customers. Savings vary by driver profile, vehicle and location.
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