Blog Is your credit history affecting your Auto insurance rates?

Is your credit history affecting your Auto insurance rates?


Did you know that, in the province of Ontario, an insurance company can’t charge higher rates for certain historical data, such as credit history, but what they can do is reward you for good behavior?

Here’s a list of some of the historical criteria that cannot be taken be held against you in Ontario:
You credit history – while your credit rating can’t be used against you, it can lower your rate with some insurance carriers the lower your score, the lower risk you are and the lower your rate may go.
employment status;
whether you own a credit card;
how long you have lived in your current home;
accidents where you are less than 25 per cent at-fault where the accident occurred on or after September 1, 2010;
not-at-fault accidents;
whether your vehicle is owned or leased; and
whether there was a period of time where you had no automobile insurance coverage.


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Ogilvy Insurance Is Now NFP

We’re pleased to announce that Ogilvy Insurance has joined the NFP family and transitioned to the NFP brand.

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For questions please reach out to:

Ontario: Tel - 416.777.2722 or Toll Free: 1.877.364.4589

Quebec: Tel - 514.932.8660 or Toll Free - 1.877.464.4589

Ogilvy Insurance devient NFP

Nous sommes heureux d’annoncer qu’Ogilvy Insurance a rejoint la famille NFP et a intégré la marque NFP.

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Pour toute question, n’hésitez pas à communiquer avec nous :

Ontario: Tél. – 416 777-2722 ou 1 877 364-4589 (numéro sans frais)

Quebec: Tél. – 514 932-8660 ou 1 877 464-4589 (numéro sans frais)