Ontario private-passenger auto · evidence desk

Quote Coverage Ledger

Public evidence
No live premiums
01 / Mission

Fifteen families before dozens of storefronts.

Ontario presents dozens of brands and routes, while roughly a dozen ownership families sit behind more than 90% of the core market. This registry tracks 15 meaningful families, deduplicates their storefronts, and preserves proof for every real outcome or blocker.

Families mapped
15
Routes seeded
16
Public routes tested
16
Live premiums returned
0
02 / Source documents · metadata only

What the agent knows—and what it still needs.

Field names, never field values
Private inventory is localhost-only.

The public build contains no document inventory, extracted profile, questionnaire status, or personal values.

Intake asks: Ownership / lease / finance · Annual and commute kilometres · Parking and winter tires · Claims, tickets, suspensions · Insurance gaps or cancellations · Other household drivers · Desired coverage

  1. 01Source documentstypes + field names
  2. 02Private profilevalues stay local
  3. 03Route planfamily-deduplicated
  4. 04Visible browserheaded Puppeteer
  5. 05Human checkpointapprove once
  6. 06Exact outcomequote or blocker
  7. 07Evidence ledgerredacted proof
03 / Route execution

Evidence-first run

Live browser control is disabled in the public build. Run npm run runner with the dashboard on localhost.

05 / Public reconnaissance outcomes

No live premium returned yet

16 public routes tested · 0 premiums

These are real public-route observations. They prove where each route begins or blocks; none is a quote.

Ownership familyRoute / channelFirst gateTerminal stateEvidence
TDtd-directdirectsite redirect blockerblocked by site headed adapter
Intactbelairdirectdirectsite access blockerblocked by site headed adapter
IntactBrokerLinkphonephone or callbackcallback required redacted
DefinitySonnetdirectpublic quote ctamanual review required redacted
AvivaAviva broker/agencyagentbroker locatormanual review required redacted
DesjardinsDesjardins directdirectpublic quote ctamanual review required redacted
Allstate CanadaAllstate direct/agentagentpublic quote ctamanual review required redacted
Co-operatorsCo-operators quote entryagentpublic quote ctamanual review required redacted
CAA Club GroupCAA autodirectpublic quote ctamanual review required redacted
Beneva / Unica / GoreUnica select brokerbrokerbroker locatormanual review required redacted
WawanesaWawanesa Ontariobrokerbroker locatormanual review required redacted
Optimum GeneralOptimum Ontario private autobrokerbroker locatormanual review required redacted
Northbridge / ZenithZenith / Vertisagentno interactive route observedblocked by site redacted
SGI / CoachmanCoachmanbrokerbroker locatormanual review required redacted
Commonwell MutualCommonwellbrokerbroker locatormanual review required redacted
Facility AssociationFacility residual marketresidual marketbroker locatormanual review required redacted

No personal field was entered and no form was submitted during this sweep. TD and belairdirect preserve their previously exercised blockers.

06 / Market registry

Count families before storefronts

01TD Insurance1 legal program1 route

LEGAL WRITER

TD General Insurance Company

TD Insurance direct · direct · mapped

02Intact Financial2 legal programs2 routes

LEGAL WRITER

Belair Insurance Company Inc.

belairdirect · direct · mapped

LEGAL WRITER

Intact Insurance Company

BrokerLink · broker · not_started

03Definity1 legal program1 route

LEGAL WRITER

Sonnet Insurance Company

Sonnet direct · direct · mapped

04Aviva Canada1 legal program1 route

LEGAL WRITER

Aviva Insurance Company of Canada

Aviva broker route · broker · not_started

05Desjardins1 legal program1 route

LEGAL WRITER

Certas Direct Insurance Company

Desjardins direct · direct · not_started

06Allstate Canada1 legal program1 route

LEGAL WRITER

Allstate Insurance Company of Canada

Allstate agent route · agent · not_started

07Co-operators1 legal program1 route

LEGAL WRITER

Co-operators General Insurance Company

Co-operators agent/direct · agent · not_started

08CAA Club Group1 legal program1 route

LEGAL WRITER

CAA Insurance Company (Ontario)

CAA agent/broker · agent · not_started

09Beneva / Gore / Unica1 legal program1 route

LEGAL WRITER

Unica Insurance Incorporated

Unica select broker · broker · not_started

10Wawanesa1 legal program1 route

LEGAL WRITER

The Wawanesa Mutual Insurance Company

Wawanesa broker route · broker · not_started

11Optimum General1 legal program1 route

LEGAL WRITER

Optimum Insurance Company

Optimum broker route · broker · not_started

12Northbridge / Zenith1 legal program1 route

LEGAL WRITER

Zenith Insurance Company

Zenith broker/agent · broker · not_started

13SGI / Coachman1 legal program1 route

LEGAL WRITER

Coachman Insurance Company

Coachman broker route · broker · not_started

14Commonwell Mutual1 legal program1 route

LEGAL WRITER

The Commonwell Mutual Insurance Group

Commonwell broker route · broker · not_started

15Facility Association1 legal program1 route

LEGAL WRITER

Facility Association residual market

Facility through a licensed broker · residual · do_not_automate

Operational Ontario shopping seed; not a complete market census or market-share ranking. Rate-source IDs remain unknown until route evidence supports them.