Faq icon About

Why is your name Panda7?

We love nature and Pandas are black on white - what you see is what you get. We wanted this transparency and clarity in helping you find the best insurance policy and experience. Also they don't hibernate - so does Panda7.ca our services are available 24/7 365 days.

What is the difference between Panda7 and your typical insurance broker?

We at Panda7 believe that shopping for insurance should be simple, transparent, and quick! Similar to your favourite traditional insurance broker, Panda7 will get you the best top-rated quotes across the market – the difference is that you’ll get them instantly, at any time, and you can buy your policy on the spot!

Why do I need to enter a phone number to generate a quote?

We use text message authentication (instead of email authentication) to send you quotes with as few button clicks as possible, resulting in a faster, more enjoyable user experience.

Do your prices include taxes?

Monthly premiums displayed on Panda7 do not include taxes. Please note that the standard 9% insurance tax will be applied to the advertised premium at checkout.

What payment methods are accepted with Panda7?

Payments are collected directly by the chosen insurance company, typically through automatic monthly bank withdrawals from your checking account.

Can I call Panda7 for a quote?

Of course, you can! We speak English and French and are ready to serve you from Monday to Friday, 9am to 7pm EST.

Does Panda7 offer a price-matching guarantee?

Panda7 can’t offer a price-matching guarantee. We do guarantee our prices for 15 days so you can shop confidently, but deep down, we know you’ll be back sooner.

Does Panda7 guarantee the lowest rates?

We promise to always be competitive and polite – no matter how many quotes you request!

If I contact insurance companies directly, will I get the same price as Panda7?

Panda7 leverages its high sales volume to get favorable terms with top insurance companies. In turn, we pass along the savings to make sure you don’t need to shop for car insurance anywhere else.

How does Panda7 make money?

Panda7 earns a small commission (paid for by the insurance company) on each policy sold. Our service is outstanding no matter how many quotes you ask us.

Does Panda7 add commission on its quotes?

Nope! Our commission is always included in the premium.

Faq icon Claims

Who do I contact in the event of a claim or emergency?

In the event of an emergency or to report a claim, we encourage you to contact your insurer first via their 24/7 claims hotline below. Pro tip: you might want to store this number on your phone too.


As a Panda7 customer, you also get 24/7 online access to your account information at www.panda7.ca/claims. Last but not least, you’re always welcome to call us toll-free at  1-877-777-6968 for any questions that may arise along the way.

Faq icon Auto insurance

Which insurers does Panda7 work with?

Panda7 works with Canada’s top carriers, the most trusted insurers in the industry to offer you the most competitive rates from industry leaders.

What do I need to start getting car insurance quotes with Panda7?

  • A laptop, tablet or smartphone with internet connection
  • A mobile phone number to receive an authentication code by Text / SMS
  • 3-10 minutes of spare time
  • A valid driver’s license number and your vehicle registration (only required if you decide to purchase insurance online)
  • A credit card to complete your purchase online

Can I use my nickname to get a quote with Panda7?

To receive an accurate quote, you should provide your first and last name as written on your driver’s license or vehicle registration.

What happens if I enter the wrong date of birth?

Providing an accurate date of birth is required to receive a valid quote. All your information should be correct.

Where can I find my driver’s license number?

Your driver’s license number can typically be located on your driver’s license or vehicle registration. In Quebec, a driver’s license number is composed of 13 characters, starting with the first letter of your last name.

Where can I find my VIN number?

The Vehicle Identification Number or VIN is composed of 17 characters (digits and capital letters) that act as a unique identifier for your vehicle. You can find your VIN on the driver’s side dashboard in your car, specifically near where the dashboard meets the edge of the windshield. You can also find your VIN on your vehicle registration card.

How long does it take to buy a car insurance policy with Panda7?

A typical single-car, single-driver policy can be purchased in about 7 minutes – that’s 4 minutes to get multiple quotes and 3 minutes to complete the purchase.

How many quotes can I get with Panda7?

Panda7 can generate quotes for up to 7 insurers depending on the selected vehicle and your driver risk profile. Panda7 is working to add more insurers and offer more choices.

What is a “driver risk profile”?

Risk profiles are what insurance companies use to calculate how much money they should charge on your insurance premium. Among other factors, insurers take your vehicle, location, mileage and driving history into account when factoring your price. This is why two people driving the same car will likely not pay the same price.

What happens if my vehicle is not listed?

Panda7 is designed to find the best insurance quotes for Quebec’s most popular vehicles. If your car isn’t listed, simply contact us toll-free at  1-877-777-6968.

Why does it matter if my car is owned, leased of financed?

Insurers attribute the lowest risk profile to drivers of vehicles that are paid in full, then to financed vehicles, and lastly to leased vehicles. The highest risk profile is associated to vehicles financed with rates above 10% often referred to as a “second or third chance” financing.

Why is a TAG tracking device important?

Tag (www.tagtracking.ca) is the most effective stolen vehicle and anti-theft recovery system recognized by Quebec insurers. Thanks to hidden RFID wireless tags installed throughout your vehicle and its dedicated mobile tracking teams, Tag is capable of locating and recovering your vehicle in the event of theft.

How much do I save if I get a Tag system for my car?

Depending on the insurer, installing a Tag system on your car can save you up to 25% on your insurance policy and will often covers the cost of the system within the first year. Some insurers may also require a Tag system as a condition for insurance.

What does primary vehicle use mean?

Insurers need to know your most frequent or “daily driving itineraries” in order to provide the most accurate rating. Drivers who commute to work on a daily basis typically pay more than drivers who use their cars for grocery shopping and coffee runs.

What happens if I can’t remember all claims or tickets in the past 6 years?

Panda7 finds the best quotes based on your ticket and claim declaration. Once you purchase a policy, Panda7 will verify your declaration against official government records. Should a discrepancy occur, you will be notified with a price adjustment within the next business day.

It is recommended to make sure no claims or tickets are missed. An incorrect declaration can lead to a fully declined policy in certain cases, or a price adjustment.

Please note that parking tickets should not be declared.

Why does it matter at what age I got my license?

Insurance companies associate a strong correlation between years of driving and safe driving. If you have more than 5 years of driving experience, this typically translates into savings on your auto insurance policy.

Do I need to own the car to get a quote with Panda7?

You are considered an owner if you purchased, financed or leased a car in your name. Only vehicle owners should purchase policies from Panda7.

Can I add anyone as an additional driver?

The additional driver can be anyone living at the same address.

Can I use Panda7 to add any driver to my existing policy?

If you already have an active auto insurance policy purchased through Panda7, you may contact us any time to add a driver or make any other important updates to your policy. To ensure adequate coverage at all times, you should report any significant updates which may affect your policy.

Can I use Panda7 to get additional coverage on my existing policy?

If you already have an active auto insurance policy purchased through Panda7, you may contact us any time to add extra coverage or make any other important updates to your policy. To ensure adequate coverage at all times, you should report any significant updates which may affect your policy.

Can I use Panda7 to get insurance on someone else’s car?

No. You are considered an owner if you purchased, financed or leased a car in your name. Only vehicle owners should purchase policies from Panda7.

I bought a policy and realized I made a mistake in one of the steps. What should I do?

Contact us asap! We are reachable by phone or email from Monday to Friday, 9am to 7pm EST.

Why are the insurer prices I’m seeing higher than my current policy?

Car insurance premiums can fluctuate often. Panda7 does not control the prices returned back across the insurers and only searches across the carriers for the best prices at the time of your search.

For more information on how car insurance premiums are calculated, visit the IBC's page on How Car Insurance Premiums Are Calculated.

Why do I keep seeing “contact us for more details?”

Some insurance companies require more information to confirm rates. Some of the reasons may include:

  • Information entered is wrong, insufficient or missing
  • Bad credit score
  • Too many claims
  • Complex driving history

Can I get a bundle discount for insuring two cars with different insurers?

No. Most insurers will typically offer bundle discounts for putting two or more vehicles on the same policy. If you’ve quoted a policy for two or more cars but need difference coverage start dates for each car, please contact us toll free at  1-877-777-6968 or by email at info@panda7.ca.

Am I able to get quotes on Panda7 if I don’t have a driver’s license?

Auto insurance quotes can be generated without submitting a driver’s licence number. A valid driver’s license number will however be required to purchase a policy.

What happens if I’ve been cancelled by an insurer in the last 3 years?

As a precaution, some insurers might simply want to take a closer look at your file before granting a final approval. However, it’s important to note that submitting a false declaration can lead to having a future claim denied.

What happens if I’ve had my driver’s license suspended in the past 3 years?

As a precaution, some insurers might simply want to take a closer look at your file before granting a final approval. However, it’s important to note that submitting a false declaration can lead to having a future claim denied.

Which address should I use?

You should use the same address printed on your driver’s license. If you have moved since, use the address listed on the back of your driver’s license card or your temporary driver’s license paper. If you have not advised the SAAQ of a recent address change, visit SAAQ's address changing service

Why do I need to enter a VIN to purchase a car insurance policy?

A VIN is a unique identifier for your car. Entering your VIN will confirm that the vehicle make, year and model you selected is correct.

Can I enter any phone number?

A valid mobile phone number is required to authenticate you as “not a robot” and send you an access code required to view your quotes.

How long are my quotes valid for?

Once you’ve obtained your Panda7 quotes, our prices are guaranteed for 15 days so you can shop confidently, but deep down, we know you’ll be back sooner.

Why do I see multiple quotes from the same insurer?

Some insurers offer different programs which may warrant different pricing. For example, Intact Insurance may offer a policy that requires the use of a mobile app to monitor driver behavior as alongside a standard policy that does not require the use of the app. In general, app-based policies will typically be more competitive.

Why is the price gap so wide between insurers?

Car insurance premiums can vary significantly between insurance companies due to the rating factors they use, the statistical information they look at, their historical claim data and the cost of doing business.

Why should I choose any quote other than the cheapest?

Since all Panda7 insurers partners offer outstanding consumer satisfaction rating and claims experience, we always recommend choosing the lowest quote so you can put your hard-earned dollars towards something you like. Consider it dinner on us!

How long are Panda7 policies valid for?

All Panda7 insurance policies are valid for 12 months as of the designated start date.

My current car insurance policy doesn’t expire for until a few months from now. How soon can I start shopping on Panda7?

Why not start today? Panda7 lets you shop for insurance any time. Should you decide to purchase a new policy before your current policy’s expiry to “lock in” your rate, you can activate your new policy within 90 days of the date of purchase. Just ensure you have no insurance gap between your old and new policy.

I have an active car insurance policy which is not yet expired. Can I choose my Panda7 policy start date?

Absolutely! Panda7 lets you buy a new insurance policy any time and activate it within 90 days. Your billing cycle will only start on the date of activation. Just ensure you have no insurance gap between your old and new policy.

What does ‘certain exclusions apply’ mean?

Much like any standard contract, insurance contracts also list exclusions that are predetermined by the Insurance Bureau of Canada. For more information on standard exclusions, visit IBC's Know Your Policy page.

Can I get a quote if I live outside of Québec?

At this time, Panda7 services customers residing in “la belle province” only. Policies sold through Panda7 do however cover customers who drive outside the province.

What does third party liability limit mean and how much do I need?

In the province of Quebec, third party liability is a mandatory coverage which protects you against “no-fault” collision damages (in Quebec only), “at-fault” property damage and bodily injury for an accident outside Quebec and “at-fault” material damages caused to a third party. While Panda7 offers a $1,000,000 or $2,000,000 liability limit option, we strongly recommend $2,000,000 for drivers who travel outside of the province.

What does collision deductible mean and how much do I need?

This section covers damages to your vehicle caused by a collision if you are at fault. The insurance company will apply the selected $500 or $1,000 deductible.

What does comprehensive deductible mean and how much do I need?

This specifically covers your vehicle in the event of theft, fire, vandalism, wind, hail, water damage as well as damage to your windshield. The insurance company will apply the selected ($250, $500 or $1,000) deductible when there’s a claim.

Will I get a reminder when my policy is up for renewal?

Absolutely! Panda7 will check in with you 45 days before your policies expiry to note any changes and shop you the best deal possible.

Can Panda7 notify me when rates for my car get interesting?

Yes, you can always send us your target price and we will notify once a company can match it.

How can I contact Panda7 for information about my policy?

As a Panda7 customer, you also get 24/7 online access to your account information at panda7.com/claims. During business hours, we’re always reachable by email at info@panda7.ca or toll-free at  1-877-777-6968. You can also follow us on Facebook, Instagram and LinkedIn!

How can I reduce my auto insurance premium?

Aside from shopping your policy as much as humanly possible, the best ways to save on your auto insurance premium are to:

  • Choose a vehicle with low repair costs
  • Up your deductibles
  • Bundle your auto and home insurance from the same insurer
  • Consider adding an anti-theft device like Tag that can save you up to 25%
  • Drive carefully!

Faq icon Tenant insurance

What types of properties does tenant insurance cover? 

Tenant insurance covers any type of property that you can rent as your main residence such as a single dwelling home, apartment or condo.

Do I need to live at the address to buy tenant insurance? 

Yes. The property must be your primary place of residence. You also can’t leave the property vacant for more than 30 consecutive days without notifying your insurer.

What happens if I don’t advise my broker of an extended leave?

If you’re planning to vacate your residence for more than 30 days, be sure to advise your insurer, otherwise you may risk being denied coverage in the event of theft or fire during your absence.

Does my name need to be on the lease to buy tenant insurance? 

No. Since, tenant insurance covers the declared replacement value of your personal belongings against fire and theft and not the property itself, it’s not required to provide any lease details.

What if I don’t know the year of construction? 

Try asking your landlord, realtor or neighbour. If all else fails, give us an approximate year.

What if I don’t know the total number of units? 

Try asking your landlord, realtor or neighbour. If all else fails, give us an approximate number.

What if I’m not sure of the closest firehouse distance? 

Try asking your landlord, realtor or neighbour. If all else fails, ask Google, Alexa or Siri!

What if I’m not sure of the closest fire hydrant distance? 

Try asking your landlord, realtor or neighbour. If all else fails, take a look outside – a little exercise can’t hurt!

How do I know if my unit is heated with hot water, electricity, oil, gas or wood? 

Try asking your landlord, realtor or neighbour. If all else fails, take your best guess.

I have a pet Pitbull, Doberman, Rottweiler or reptile. Do I need to be concerned?  

While Panda7 loves animals of all shapes and sizes, most insurers don’t cover tenants with “high-risk” pets. If you own one of these pets, specialty tenant insurance can be purchased by calling us toll-free at  1-877-777-6968.

What’s the difference between tenant and home insurance? 

Homeowners insurance is for those who own their home or apartment, and it covers both the structure of the home and their personal belongings. Renters insurance is purchased by tenants, and it covers damage to or theft of their personal property, but not damage to the building itself. 

What does “More information is required for this price” mean? 

While some insurance companies have collected sufficient information to generate rates, others require more information to confirm rates. Some of the reasons may include: 

  • Information entered is wrong, insufficient or missing
  • Bad credit score
  • Too many claims

What does “reasonable medical expenses” mean? 

We will pay reasonable medical expenses (surgical, dental, hospital, nursing, ambulance service and funeral expenses) incurred if you unintentionally injure another person or if they are accidentally injured on your premises, even though you are not legally liable.

The amount of insurance shown on your policy is the maximum amount we will pay for each person in respect of one accident or occurrence.

Are earthquakes covered? 

Earthquakes are not covered with your standard tenant policy but, for a small extra fee, you can add fire protection following an earthquake as an option.

What if my unit suffers damages other than fire after an earthquake? 

Tenant insurance only covers your belongings up to their total declared value. If your unit suffers damages, it will be covered under your landlord’s insurance.

What are the coverage limits for “temporary accommodation expenses”? 

While temporary accommodation expense limits vary from one insurer to another, they will typically include rent (hotel or apartment) in an area close to your primary residence, a daily food and living expense allowance. In some cases, it can also include an allowance for clothing.

What are the coverage limits for “identity theft expenses”?  

The coverage limits for identity theft expenses are typically set to $10,000.

My roommate doesn’t always live with me. Do I still need to add their name? 

Yes. Adding your roommate’s legal name to your tenant policy is required if you want to insure their belongings. 

If my roommate’s belongings are included in my contents value, do I still need to add their name? 

Yes. Adding your roommate’s legal name to your tenant policy is required if you want to insure their belongings. 

What if I don’t know my roommate’s full name? 

Why not ask him or her? It would be a golden opportunity to take your relationship to the next level. You’re welcome!

Can I pay for my insurance upfront for the entire year?

If you prefer upfront billing instead of monthly withdrawals, it can be arranged. Simply call us toll-free at  1-877-777-6968.

Faq icon Condo insurance

What is condo insurance?

Condo insurance is insurance you purchase that offers coverage to mend the gaps and exposures that the condominium association master policy may leave. While it depends on the amount of coverage you purchase and what the master policy already protects, your average condo policy may include coverage for your utilities and appliances, the interior walls of your individual unit, and your personal property. In addition to this, your condo insurance also protects your personal liability, in the event you are responsible for someone else’s injury or property damage.

Why is it important?

Condo insurance is important because many condo owners assume their condo association’s master policy will cover them. This is true to some extent, but it leaves out some features of your personal unit, your amenities and possessions, and your personal liability. Without condo insurance, you may be left to pay for these items solo.

What does condo insurance cover?

Your condominium association has a master policy that may cover every original appliance, system (wiring, plumbing) and original furniture in your personal unit as well as common areas, or the “bare minimum” which does not include anything within your walls but covers common areas and the condo association’s liability. You may choose to review your condo’s master policy to ensure that the condo insurance you purchase will cover anything that this policy does not.
That should include:
• Your personal unit, if your condo’s master policy omits this
• Your valuables and possessions
• Your personal liability
Basically, you will want your condo insurance to cover the gaps left by the condo association master policy. You can enlist the help of a broker to ensure this is done properly.

Does it include my valuables?

Your condo insurance will include coverage for your personal belongings up until a stated limit. It doesn’t hurt to take an inventory of everything you own to assess if your coverage is enough. You can purchase a rider or insurance “floater” (as it’s sometimes referred to in the insurance sphere) to include your valuable possessions or expensive collectibles if your existing coverage is not enough to cover them. You may want to request the help of your insurance broker to review your needs and help you choose the most suitable plan for your requirements.

What does the “condo association master policy” cover?

Your condo association master policy can be one of two types: it can cover the appliances and fixtures in your condo, carpeting or flooring, plumbing, but exclude your personal property. This is sometimes referred to as an “all-inclusive” master policy. Or, your condo association master policy can be a “bare walls” master policy, which means it will not cover anything within your walls. This can sometimes include your condo’s systems, but sometimes it won’t. No matter which type your condo association master policy falls under, it will include coverage to common areas and the condo association’s liability.

Does my condo insurance cover my appliances and utilities?

Yes, your appliances are covered with replacement cost up to the limit of your insurance amount.

Does my condo insurance cover theft or vandalism?

Vandalism, burglary and theft are included in your condo insurance if you have personal property coverage. This can even extend to items stolen from your vehicle, just as home insurance might cover personal belongings in your car. There are always exclusions, especially with higher value items. You may need to inquire about a rider or endorsement for full coverage if you own any valuables. Always take a full inventory of everything you own so that you know how much coverage you need and what their total value is. You can adjust accordingly. Condo owners are often surprised to see the total value of everything they own!

Does my condo insurance cover natural disasters?

Major storms like windstorms and tornadoes are covered for your possessions and the interior of your condo, if your condo association master policy does not already included coverage for this. Your condo association master policy may also cover damages to plumbing, wiring, fixtures, etc. – but you should check to see beforehand and ensure that your condo insurance policy covers any gaps.

How much condo insurance do I need?

Everyone needs a different amount of condo insurance based on the valuables they own and what their condo association master policy does/does not include. You may want to take inventory of all your belongings and calculate the total cost it would take to replace your belongings as they stand today following a disaster. Some valuables may even require additional coverage. A broker will be able to help navigate your needs and discuss your coverage requirements with you. They can help you find the right policy that covers the gaps your condo association master policy leaves and protects your personal assets, investments, and your personal liability.

How much does condo insurance cost?

The cost of condo insurance varies by location, condominium, value of personal property, and the coverage you carry. You can get a quote from an insurance broker (like Panda7) to estimate how much your condo insurance will cost overall. Typically, a condo insurance policy can cost as little as $20 per month, ranging between the averages of $25 to $35 per month. You can expect to pay more or less depending on your limits and coverage options.

Faq icon Giveback

Why plant trees?

A National Geographic article titled “How to erase 100 years of carbon emissions" recently opened our eyes to an astonishing fact: planting trees is an effective way to curb the planet’s CO2 emissions long-term. This is why Panda7 is committed to doing its part of the global effort towards an objective that is close to our heart : a healthier planet.

Who is providing your trees?

After evaluating multiple on potential local and international reforestation projects and seeing Whereby’s recent success with their million-tree initiative, Panda7 concluded a partnership with Brynk – a cutting-edge and purpose-driven organization committed to rebalancing the environment and providing a livelihood to locals thought tree-planting and clean energy projects in global areas most impacted by climate change. Brynk works with trusted industry leaders like The Gold Standard and Eden Reforestation Projects to ensure Panda7's contribution goes furthest.

Where are Panda7’s trees currently being planted?

Brynk’s large scale reforestation projects are currently located in Madagascar, Kenya and Mozambique.

Does Panda7 plan to partner with other initiatives closer to home?

While we realize these initiatives are not particularly close to home, rest assured this only a starting point as Panda7 will partake in many more local and international partnerships as our organization grows.

How can we track your progress?

Throughout the year, you’ll be able check in on our how many trees have been planted to date and how many we have left to plant to achieve our target by visiting the Giveback page located on the top menu.

What is Panda7’s long term sustainability goal?

While we know we are not solely responsible for the carbon footprint of cars and homes we insure, Panda7’s long-term vision is to be able to provide our customers with a 100% carbon-free purchase experience. This means we plan to erase carbon emissions for every customer’s car and home each year. Our goal is simple, insurance with Panda7 will allow you to completely erase the carbon footprint of your vehicle and your home !