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Pafco Insurance - Company Details
If a driver ever finds him or herself looking for high-risk or non-standard auto insurance coverage, Pafco may be their best option.
Pafco is a high-risk auto insurance company for drivers who no longer qualify for the standard auto insurance market. If a driver has too many at-fault accidents, tickets, drivers license suspensions or policy cancellation, they will not be accepted by standard insurance companies such as Pembridge, Aviva or Intact. A driver must have accumulated a certain amount of risk points to qualify for a Pafco auto insurance policy. If you have too few risk points, Pafco will not offer coverage and will refer you to their standard market through Pembridge Insurance.
Pafco is a well known high-risk auto insurer founded in 1999 with a headquarters in Markham, Ontario. They area part of the Allstate Canada group. They have a standard insurance company called Pembridge.
Pafco offers My_Bridge telematics technology to help high-risk drivers save on their premiums.
Being a part of Allstate Canada and joined with Pembridge, Pafco has a large financial backing and their claims team is very well funded. Clients concerned about the size of an insurance company can rest assured that Pafco has big resources behind them.
What Drivers Are Eligible For Pafco Insurance?
In order to qualify for Pafco Auto Insurance, a driver must have enough risk points to meet Pafco’s criteria. If a driver has too few risk points, Pafco will not offer an auto insurance quote. Examples of qualifying criteria include:
- Too many minor tickets (ex: speeding, rolling a stop sign or improper lane change).
- Too many at-fault accidents.
- Drivers license suspentions
- Insurance policies being cancelled for non-payment.
- Major tickets
- Combination of any of the above.
Once your record clears (accidents stay on record for six years, tickets and cancellations for three years), Pafco may send a non-renewal notice and decline to renew your policy. This means your record is “too good” for Pafco and you should now qualify for standard insurance companies such as Pembridge, Aviva, SGI, Intact etc..
Pafco Insurance can also decline to insure you if you have too many risk points.
If you would like a Pafco high-risk auto insurance quote, call the Ambroziak & Rao team at 905 366 0066.
Getting An Auto Insurance Quote From Pafco
In order to get a high-risk auto insurance quote from Pafco, you must contact a broker partnered with Pafco. Ambroziak & Rao Insurance Brokers is a proud partner of Pafco and can offer quotes.
Pafco relies on their licensed insurance brokers to help clients understand all the coverages being offered and who qualifies for policies. Everyone’s situation is unique, and for the reason, a professional insurance broker is the best option.
As insurance brokers, our goal is to not only provide quotes with high risk insurers such as Pafco, but to guide you on correcting your record so that you can be eligible for standard insurance companies as soon as possible. High-risk insurance rates are almost always more expensive, so moving out of the non-standard auto insurance market is a top priority.
As of July 1, 2026, Pafco Auto Insurance policies are more flexible for customers and certain accident benefits are now optional. For more information please visit our dedicated Statutory Accident Benefits page.
If you would like a Pafco auto insurance quote, call Ambroziak & Rao Insurance Brokers at 905 366 0066.
“Pafco is One Of Canada's top high-risk auto insurance companies!”
A Word From Our Brokers
Ambroziak & Rao Insurance Brokers have been helping drivers fix their records while being placed in non-standard auto insurance companies since 2009. Pafco has been a top choice for many of these clients as they offer great prices and strong coverages.
Being a high-risk insurance company, Pafco’s premiums are not low, but for the product they offer, their prices are very competitive. We have placed many clients with Pafco over the years and clients are very satisfied. Once their records clear, we often move them over to Pembridge or other standard insurers.
Our team has worked along side the underwriters and claims adjusters at Pafco and can confidentially say that they care about their customer experience as much as our brokerage does.
As insurance brokers, part of our reputation comes from the insurance companies we place our clients with. Pafco has always taken care of our clients and we are happy to partner with them.
If you would like a Pafco auto insurance quote, please call our office at 905 366 0066.
Disclaimer
Ambroziak & Rao Insurance Brokers is an independent licensed insurance brokerage in Ontario authorized to write policies through Pafco Insurance. We are not Pafco Insurance Company directly.
As licensed insurance brokers, we are partnered with multiple personal and commercial insurance companies in Ontario and will offer clients the best rates tailored to their unique situation.
Frequently Asked Questions
We are more than happy to answer any and all of your Pafco insurance related questions. Speak to one of our licensed insurance brokers today!
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Ambroziak & Rao Insurance Brokers do not charge the client any fees for quoting or issuing Pafco Insurance policies.
Our compensation is paid by Pafco only once a client signs up for a policy with our brokerage. For more information, please visit our disclosures page.
Making changes to your Pafco insurance policy is simple.
Contact our team at 905 366 0066 and one of our customer success managers will happily assist you.
If you would like to call our team at Ambroziak & Rao Insurance Brokers, you can call 905 366 0066, or visit our Mississauga office at 250 Dundas St W Suite 408 Mississauga ON L5B 1J2.
No, Pafco does not currently offer home or commercial insurance. For standard auto and home insurance, you can get a quote through their sister company Pembridge.
Yes, Ambroziak & Rao is a RIBO licensed insurance brokerage operating under license 3428. You can search us at the RIBO Brokerage Search.
If you are a Pafco client and are involved in a claim, their claims number 1-800-387-0462 or 905-477-5550.
Website: https://www.pafco.ca/
Please have your policy number ready.
Pafco Auto Insurance Quote
Pafco Insurance is a non-standard or “high-risk” insurance company that only operates through it’s network of broker partners. Ambroziak & Rao is a proud partner of Pafco Insurance.
T: (905) 366 0066
F: (905) 276 5373
250 Dundas St W Suite 408 Mississauga ON L5B 1J2