Cancellation service N°1 in Canada
Cancellation Brokerlink: Easy Method
What is Brokerlink
BrokerLink is a Canadian insurance brokerage that helps customers compare and purchase personal and commercial insurance products (auto, home, business, travel, and others) through a network of carriers and brokers. It operates online and through broker representatives, providing quotes, policy placement, and service support while acting as an intermediary between you and the insurer.
How to cancel Brokerlink
- Gather your policy details (policy number, named insured, effective date) and decide an effective cancellation date.
- Contact BrokerLink by phone or online to confirm the cancellation process and any insurer-specific requirements; note any reference or ticket number.
- Send a written cancellation request addressed to BrokerLink customer service, signed by the policyholder, stating policy number and requested cancellation date; include any required documentation (proof of new coverage, lienholder consent, etc.).
- Prefer sending the written request by registered mail with return receipt (raccomandata A/R) or a tracked courier to ensure proof of delivery; address it to the cancellation or customer service department at BrokerLink (see Address section below).
- Keep copies of all correspondence, the tracking/receipt, and any broker or insurer acknowledgements; confirm when the insurer will process refunds or notify you of changes.
What happens when you cancel
When you cancel a BrokerLink-managed policy, BrokerLink notifies the insurer and the insurer processes the cancellation according to the policy terms and provincial insurance rules. Your access to policy services (online policy documents, claims support through that policy) ends as of the cancellation effective date, though you retain records of past transactions.
The insurer or BrokerLink will confirm the cancellation in writing and provide details about any refund or outstanding balance. BrokerLink may retain records for regulatory and business purposes; you can request copies of your personal policy documents under privacy rules.
Will I get a refund?
Refunds depend on your insurer’s cancellation calculation and the policy wording. Many insurers provide a pro‑rata refund for unused coverage, but some apply a short‑rate (penalty) cancellation fee or withhold certain fees. If premiums were paid by instalment, there may be outstanding instalments or administrative fees. Exceptions include policies with non‑refundable fees, third‑party levies, or if coverage was subject to a contractual minimum term. Ask BrokerLink to provide a written calculation showing how any refund (or amount owing) was determined.
Brokerlink plans and pricing
| Plan | Typical Coverage | Price (CAD) |
|---|---|---|
| Auto Insurance | Liability, collision, comprehensive, accident benefits, uninsured motorist (varies by province) | Varies |
| Homeowners / Property | Building coverage, contents, liability, additional living expenses | Varies |
| Tenants / Condo | Contents, liability, loss assessment | Varies |
| Commercial / Business | Property, liability, business interruption, commercial auto | Varies |
| Travel & Specialty | Trip cancellation, medical emergency, baggage, specialty coverages | Varies |
Your consumer rights in Canada
Insurance is regulated provincially in Canada, so exact cancellation rules and consumer protections vary by province. Generally, you have the right to cancel your policy and to receive a written cancellation confirmation and an explanation of any refund or charge. You also have privacy rights to access your policy records and personal data. If you believe an insurer or broker acted unfairly, you can file a complaint with the provincial regulator (for example, the Financial Services Regulatory Authority of Ontario at fsrao.ca) and seek assistance from consumer protection resources and industry bodies such as the Insurance Bureau of Canada (ibc.ca).
Customer experiences
Customer reports for BrokerLink are mixed. Some customers praise the convenience of online quotes and broker support for comparing carriers, while others report delays or unclear communications around cancellations and refunds. Experiences often depend on the underlying insurer, the complexity of the policy, and whether cancellation interacts with financing or third‑party obligations. Keeping written records and following up persistently tends to improve outcomes.
Documentation checklist
- Policy number and insured name
- Signed written cancellation request with requested effective date
- Proof of identity (if required) and contact information
- Proof of new insurance (if cancelling because you replaced coverage)
- Payment receipts, instalment history, and method of payment
- Loan or lienholder contact information if the asset is financed
- Copies of any prior cancellation correspondence and proof of delivery (tracking, return receipt)
Common mistakes
Common mistakes include cancelling without securing replacement coverage (leaving you uninsured), failing to provide a signed written request when required, not keeping proof of delivery for cancellation notices, and not informing lienholders or lenders when a financed item’s insurance is cancelled. Another frequent issue is assuming an immediate refund: insurers may need time to calculate return premiums or may apply short‑rate fees, so expect a confirmation and calculation rather than an instant payment.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Online / Phone | Possible pro‑rata or short‑rate refund; depends on insurer | Low to Medium |
| Registered mail / Tracked courier (written) | Documented request makes refund and timing clearer; same refund rules apply | Medium |
| Broker-assisted cancellation | Broker can expedite communication and explain refund calculation | Low |
| In-person at broker office | Immediate receipt and confirmation possible; refund per insurer policy | Low |
After cancelling
After cancellation, confirm you have written confirmation from BrokerLink or the insurer showing the effective date and any refund or amount owing. If you financed the insured property, notify the lender and obtain any required proof of insurance cancellation or replacement. If you plan to replace coverage, obtain and activate the new policy before the cancellation effective date to avoid gaps. For disputes, begin with BrokerLink customer service and escalate to the provincial regulator (for example, FSRA) or consumer advocacy groups; for industry information see the Insurance Bureau of Canada (IBC).
Address
Brokerlink Inc.
1000 - 700 University Ave
Toronto, ON M5G 1Z5
Canada