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Pafco Insurance Company was founded more than 25 years ago to offer insurance products and services that are specialized. The distribution is done through a network of independent brokers. They also provide car insurance to drivers who are in the high-risk category and could not get coverage in the regular market. This could be due to a bad driving record, claims history, gaps in coverage, convictions, violations, etc. These drivers need non-standard personal automobile insurance coverage that Pafco can provide at competitive prices. The corporate head office is located in Markham, Ontario. The regional office for the Atlantic region is located in Bedford, Nova Scotia. Pafco Insurance has its Quebec regional office in Anjou.

Their hallmark is the ability to write non-standard policies to cover these drivers at competitive prices in a regular insurance manner. Brokers who represent Pafco have an additional tool in their arsenal to offer clients. Pafco coverage allows motorists to improve their car insurance histories and therefore, over time, premiums become affordable again. As part of the Pembridge Insurance group, that broker network is extensive. The Greater Toronto Area, for example, has over 100 brokers who offer Pafco coverage.

Due to the provincial public auto insurance plans, Pafco underwrites auto insurance in Alberta, Ontario, New Brunswick, and Nova Scotia. Since Quebec’s public insurance covers only personal injury and not collision and comprehensive coverage, Pafco is represented in Quebec for purposes of issuing private portions of auto insurance coverage. The company has no brokers in Prince Edward Island or Newfoundland or Labrador.

Pafco Car Insurance Market Share Review

market share

Pafco Insurance Company Market ShareQuarterYear


2010-2011 Market Share Review

Pafco Insurance had no rate filings in the 3rd quarter of 2010. Their market share was 0.41% in the 1st quarter of 2010. This marginally decreased to 0.37% in the 2nd quarter and stayed stable at 0.37% in the 4th quarter of 2010. They had no rate filings in the 1st quarter of 2011. The market share marginally increased to 0.57% in the 2nd quarter of 2011. This was stable at 0.57% in the 3rd and 4th quarters of 2011.

2012-2013 Market Share Review

Pafco did not file for rate change approvals in the 1st, 3rd, and 4th quarters of 2012. Their market share increased to 0.72% in the 2nd quarter of 2012. There were no rate change approvals filed in the 1st and 2nd quarters of 2013. The market share marginally dropped to 0.71% in the 3rd quarter of 2013 and was stable at 0.71% in the 4th quarter of 2013.

2014-2016 Market Share Review

They had no rate change approvals filed in 2014. The market share declined to 0.64% in the 1st quarter of 2015. This marginally rose to 0.67% in the 2nd quarter of 2015. Pafco Insurance did not file for rate change approvals in the 3rd and 4th quarters of 2015. In the 2nd quarter of 2016, Pafco Insurance did not file for any rate change approvals. The data for the last quarter of 2016 is not yet updated. Their market share was stable at 0.67% in the 1st quarter of 2016. This marginally increased to 0.71% in the 3rd quarter of 2016.

Pafco Car Insurance Rate Changes Review

QuarterYearPafco Insurance Company Rate Change Approved %


2010 – 2011 Rate Change Review

Pafco Insurance did not file for rate change approvals in the 3rd quarter of 2010. There was no change in rate in the 1st quarter of 2010. The rate change approved decreased by 2.25% in the 2nd quarter of 2010. In the 4th quarter of 2010, the rate change approved hugely increased by 10.03%. There was no rate change approval by FSCO in the 1st quarter of 2011. Their rate change approved marginally increased by 0.12% in the 2nd quarter of 2011. In the 3rd quarter of 2011, the rate change approved increased by 4.76%. The last quarter of 2011 saw the rate change approvals increase by 1.80%.

2012 – 2014 Rate Change Review

They had no rate change approvals in the 1st, 3rd, and 4th quarters of 2012. There was no change in the rates in the 2nd quarter of 2012. The rate change approvals by FSCO marginally decreased by 0.38% in the 3rd quarter of 2013. There was a huge decline in the rate change approved in the 4th quarter of 2013 by 14.50%. They did not file for rate change approvals in 2014.

2015 – 2016 Rate Change Review

There was no rate change approval by FSCO in the 3rd and 4th quarters of 2015. Their rate change approval marginally declined by 0.46% in the 1st quarter of 2015. Around 39 insurance companies filed for rate change approvals with FSCO in that quarter. They represented 73.48% of the insurance market. In the 2nd quarter of 2015, the rate changes approved by FSCO marginally dropped by 0.01%. In that quarter, about 26 insurance companies filed for rate change approvals. They were representing 52.75% of the industry.

Pafco Insurance did not file for any rate change in the 2nd quarter of 2016. The data for the 4th quarter of 2016 is not available. The rate change approved in the 1st quarter of 2016 decreased by 8.61%. Around 50 insurance companies filed for rate changes in that quarter. They represented 83.36% of the market. In the 3rd quarter of 2016, the rate change approved increased by 12.03%. That quarter saw 25 insurance companies file for rate changes. They represented 63.56% of the industry.

The Facility Association

Pafco exists as an alternative to the Facility Association, the insurance industry body that arranges insurance for residual market clients. The Facility Association is funded by compulsory membership of the insurance companies operating in the provinces that the Association serves. The mission of the Association is to deliver coverage through facilitation between motorists and insurers, especially underwriting policies that high-risk drivers can’t obtain through the competitive market. One aspect of the Facility Association’s mandate is to keep the residual market as small as possible, encouraging companies such as Pafco to deliver niche coverage within the conventional insurance industry. The Facility Association doesn’t operate in British Columbia, Saskatchewan, Manitoba, or Quebec, where provinces administer some or all of the auto insurance coverage and where alternatives for the residual market exist.

Drivers who typically require policies administered through the Facility Association include:

  • Drivers with a history of insurance policy payment problems
  • No driving record
  • Poor driving record
  • The type of vehicle owned. For example, modified or high-performance vehicles
  • How the driver’s vehicle is being used
  • Some combination of these or other factors.

Pafco Auto Insurance Discounts

The regular car insurance market doesn’t offer car insurance to certain segments of the driving population, or if coverage is available, it may be restrictive and expensive. While the Canadian insurance industry as a whole must insure any person is legally entitled to drive a vehicle, individual companies do not have to insure motorists who fall out of their government-approved operating rules. These rules are self-proposed. Provincial insurance regulators review and approve the rules, which then bind the actions of the insurer.

Pafco Insurance offers many discounts based on the driver and vehicle profile for various criteria. One of them is for installing and using the My Bridge mobile app as a telematics device to monitor driving habits. This device is able to monitor your driving data and tracks it for 6 months to calculate discounts. Some of the criteria for calculating the discounts are based on low mileage and less frequent abrupt stops. The device also tracks maintaining safe speed and hours during driving.  The My Bridge device monitors the mileage, time, and safety standard of driving. You get a 5% discount to just enroll in this program and it is free. If you are considered to have good driving habits and less mileage then you may get up to a 30% discount. This program helps to enhance your driving skills.

Optional Coverage You May Consider Buying With Pafco

Pafco Insurance offers mandatory accidental benefits, liability, DC-PD, and uninsured motorist coverage for car insurance in Ontario. They also provide optional coverage that can give added protection in case of damage or loss.  Some of the optional coverage you may purchase from Pafco Insurance is as below.

  • Collision: You can use this coverage to claim for damages due to a collision. Examples would be hit-and-run accidents.
  • Comprehensive: Any damages caused to your car, not by the collision will be covered. Examples include fire, theft, vandalism, etc.
  • All Perils: The combination of comprehensive and collision coverage provides protection against all perils. Examples include flood, theft, fire riots, etc.
  • Specified Perils: To claim for damages caused by certain perils mentioned on your car insurance policy. Examples include fire, vandalism, theft flood, etc.

Pafco Car Insurance Cancellation Policy

If you wish to cancel your car insurance policy then you may inform your insurance broker. You can also contact Pafco Insurance head office or one of the regional offices and let them know about your cancellation request. Pafco will calculate your refund if any based on your car insurance policy conditions. In case they calculate your refund on a short rate basis then you may pay an administration fee for early cancellation.

Making Pafco Car Insurance Claim

You may report a car insurance claim by calling the claims department any time and any day of the week. They are experienced in handling your claim and specialist will be assigned for claims that are complex. The claims department phone numbers for the different regions are as below.

  • Alberta: 1800.661.1577
  • Ontario: 1800.387.0462
  • Atlantic: 1800.561.7222
  • Quebec: 1877.463.2727
  • U.S. (Snowbirds): 1800.387.0462

How Can I Get Pafco Car Insurance Quote

You may contact an independent insurance broker to get a Pafco car insurance quote. To look for your nearest broker you may search on the website. They are able to guide you and help you with a personalized quote. There is also an option to call one of the offices and speak to the customer care team to get a quote.

Contact Methods For Pafco Insurance

Agent: The broker locator tool can be used to search for an insurance agent who can help you with your Pafco Insurance needs.

Phone: The phone numbers to reach Pafco Insurance head office at Markham, Ontario are 1877-216-6973 and 905-513-4000. If you wish to contact the Bedford, Nova Scotia office then you may call on 1866-500-5076. To reach the Anjou, Quebec office you can call on 1800-361-2886.

Fax: You may fax your documents to Pafco Insurance on 905-513-4026.

Mail: In case you wish to write to Pafco Insurance then you may mail it to 27 Allstate Parkway, Suite 100 Markham, Ontario L3R 5P8.


We are not affiliated and make no representations warranties, recommendations, or endorsements of Pafco Insurance. This article is our review of Pafco Insurance for information purposes only.  The logos, trademarks, and copyrights mentioned in this article belong to Pafco Insurance.

About the Author: Valerie D. Hahn

Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.

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