Welcome to the HUB Digital Marketplace

We are a multi-carrier insurance brokerage, which means we work with multiple top-rated insurance providers to offer you a range of options. This allows us to find the best coverage at the most competitive rates tailored to your needs.

You have two options to obtain an insurance quote with HUB SmartCoverage:

1. Using the link provided, obtain an online quote, and in only a few minutes, you will receive a no-obligation home and/or auto quote from several of Canada's leading insurance companies, or;
2. You can use our toll-free number to speak with a licensed insurance specialist who provide you with a quote.

Here's an illustration of how quick and easy the process is:

Introductory Email Received

Visit our website via phone or computer OR call us to receive a quote

NEW! Purchase your policy online

Communicate with a HUB broker (via phone / email / text / chat) to set up your policy

Your new insurance policy is mailed to you

1. Call and speak with one of our licensed sales insurance brokers. They will verify your information, run insurance and driving experience reports, and confirm your payment preferences/info.
2. NEW! You can also quote and purchase your policy online. Once you've submitted your application, your policy is bound in approximately 48 hours.

We handle collecting all the necessary information to set up your insurance policy during the quote process. If you're missing any details, we can gather them via email or text.

Every policy is unique, and there are payment options available. All our insurance partners offer the option to pay in full or spread your premium over 10 to 12 monthly payments.

A deductible is the amount you agree to pay towards the repair or replacement of your vehicle before your insurance pays the rest. You choose your deductible amount when you purchase your auto insurance. The higher your deductible, the lower your premium.

Yes! Due to the specialized nature of these vehicles, please call one of our licensed brokers to verify if coverage is available.

Yes! You can set up a policy with us at any time, and we recommend cancelling your existing policy.

There are multiple ways to lower your car insurance premiums:

• Maintain a clean driving history - Avoid accidents and traffic violations.
• Your vehicle - Research before you invest in a new car. Consumer reports and your insurance company can help you identify which cars tend to be targets for theft and vandalism. If you buy a car with a high theft rate, your premium will be higher.
• Choose a higher deductible - Opting for a higher deductible can help lower your premiums.
• Review your coverage - Take a closer look at your coverage to make sure you're not paying for things you don't need.
• How do you use your car? - If you live in a metropolitan area:
  • Are you able to take the subway, train, or bus to work?
  • Has your job changed, or have you moved recently?
  • Do you use your automobile to drive a short distance to work?
  • Does your vehicle get used for low annual kilometers?
  • Do you let others drive your vehicle?

If you answered yes to any of these questions, you may be entitled to lower insurance costs.

Lowering your home insurance premiums:

• Preventing claims helps reduce your costs - Consider installing the following on your property:
  • Burglar and fire alarm
  • Backup sump pump
  • Backflow valve
  • Deadbolts on exterior doors
• Increase your deductible - As with auto insurance, choosing a higher deductible up front will help lower your premiums.
• Review your coverage - Read your policy to make sure you're not paying for things you don't need.