+5 for the monnex. When my wife and I bought a car we realized that she had never been a principle on anything (just a secondary driver in BC when she was in her teens, and then never owned a car in university). I had always driven but when she changed jobs suddenly we needed her as a primary driver on the car with me. Basically there was zero record of her driving history which sent our rates through the roof. We went from $1000 per year to almost $2500 overnight. Everywhere I called was more or less $200 from that. I called Melloche Monnex and they quoted me $1100. When I asked the lady to do the calculations again she asked me "are we a little lower than other places sir?" I just laughed. Now I run EVERYTHING through them.
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