Coachman Insurance Cancellation Fee Guide 2025
Coachman Insurance Company is a non-standard auto insurance specialist serving high-risk drivers in Ontario and Atlantic Canada. As an expert in the facility market, Coachman provides coverage for drivers who cannot obtain insurance through standard channels.
About Coachman Insurance
Coachman Insurance has built a reputation as a specialist in the non-standard automobile insurance market. Based in Ontario, they primarily serve drivers in Ontario and the Atlantic provinces (Nova Scotia, New Brunswick, Prince Edward Island, and Newfoundland & Labrador) who cannot obtain coverage in the regular insurance market.
Coachman operates exclusively through independent insurance brokers and focuses on drivers who may have been declined by other insurers due to factors like poor driving records, previous cancellations, or unusual risk profiles. Their expertise in high-risk underwriting allows them to provide coverage where others won't, though premiums reflect the elevated risk.
Coachman's Specialty: Non-Standard Auto Insurance
Coachman insures drivers who face challenges in the standard market:
- • Multiple at-fault accidents
- • Serious driving convictions
- • License suspensions history
- • Policy cancellations for non-payment
- • First-time drivers with no history
- • Drivers declined elsewhere
- • Reinstated licenses
- • Coverage lapses over 30 days
Provincial Availability
Coachman Insurance operates in specific provinces:
How to Cancel Coachman Insurance
- 1.Contact your insurance broker
- 2.Request a cancellation quote with penalty
- 3.Confirm you have alternative coverage secured
- 4.Provide written cancellation request
- 5.Await refund through your broker
Coachman policies are broker-administered. Direct cancellation is not available.
Coachman Refund Timeline
- Processing: 14-21 business days
- Refund to broker: 2-3 weeks
- Broker to policyholder: 5-10 days
- Total expected: 4-5 weeks
Critical Considerations for High-Risk Drivers
- • Secure coverage first: Never cancel until you have confirmed replacement coverage - high-risk drivers face limited options
- • Higher penalties: With non-standard premiums often 2-3x higher than standard, your dollar penalty will be proportionally larger
- • No coverage gap: Any lapse resets your continuous insurance clock and may worsen your risk profile
- • Facility market: If Coachman was your only option, finding another insurer may be equally challenging
- • Patience pays: Clean time with Coachman can eventually help you qualify for standard market rates
Pro-Rata Cancellation Situations
Coachman may waive short rate penalties for:
- • Vehicle sold with proof of sale
- • Vehicle declared total loss
- • Death of the policyholder
- • Moving out of Coachman's service area
- • Policy cancelled by Coachman
Documentation is required. Ask your broker to submit a pro-rata request with supporting documents.
Coachman InsuranceShort Rate Table
Official short rate cancellation table for Coachman Insurance insurance policies in Canada
Calculate Your Refund
Coachman Insurance Short Rate Schedule
Showing refund calculations based on $1200 annual premium
| Days in Force | Premium Earned % | Amount Earned | Refund Amount | vs Pro Rata |
|---|---|---|---|---|
| 1-3 days | 8% | $96.00 | $1,104.00 | -$89.42 (7.5%) |
| 4-7 days | 9% | $108.00 | $1,092.00 | -$89.92 (7.5%) |
| 8-11 days | 10% | $120.00 | $1,080.00 | -$88.77 (7.4%) |
| 12-15 days | 11% | $132.00 | $1,068.00 | -$87.62 (7.3%) |
| 16-19 days | 12% | $144.00 | $1,056.00 | -$86.47 (7.2%) |
| 20-23 days | 13% | $156.00 | $1,044.00 | -$85.32 (7.1%) |
| 24-26 days | 14% | $168.00 | $1,032.00 | -$85.81 (7.2%) |
| 27-30 days | 15% | $180.00 | $1,020.00 | -$86.30 (7.2%) |
| 31-34 days | 16% | $192.00 | $1,008.00 | -$85.15 (7.1%) |
| 35-38 days | 17% | $204.00 | $996.00 | -$84.00 (7.0%) |
| 39-42 days | 18% | $216.00 | $984.00 | -$82.85 (6.9%) |
| 43-46 days | 19% | $228.00 | $972.00 | -$81.70 (6.8%) |
| 47-49 days | 20% | $240.00 | $960.00 | -$82.19 (6.8%) |
| 50-53 days | 21% | $252.00 | $948.00 | -$82.68 (6.9%) |
| 54-57 days | 22% | $264.00 | $936.00 | -$81.53 (6.8%) |
| 58-61 days | 23% | $276.00 | $924.00 | -$80.38 (6.7%) |
| 62-65 days | 24% | $288.00 | $912.00 | -$79.23 (6.6%) |
| 66-69 days | 25% | $300.00 | $900.00 | -$78.08 (6.5%) |
| 70-73 days | 26% | $312.00 | $888.00 | -$76.93 (6.4%) |
| 74-76 days | 27% | $324.00 | $876.00 | -$77.42 (6.5%) |
| 77-80 days | 28% | $336.00 | $864.00 | -$77.92 (6.5%) |
| 81-84 days | 29% | $348.00 | $852.00 | -$76.77 (6.4%) |
| 85-88 days | 30% | $360.00 | $840.00 | -$75.62 (6.3%) |
| 89-92 days | 31% | $372.00 | $828.00 | -$74.47 (6.2%) |
| 93-96 days | 32% | $384.00 | $816.00 | -$73.32 (6.1%) |
| 97-99 days | 33% | $396.00 | $804.00 | -$73.81 (6.2%) |
| 100-103 days | 34% | $408.00 | $792.00 | -$74.30 (6.2%) |
| 104-107 days | 35% | $420.00 | $780.00 | -$73.15 (6.1%) |
| 108-111 days | 36% | $432.00 | $768.00 | -$72.00 (6.0%) |
| 112-115 days | 37% | $444.00 | $756.00 | -$70.85 (5.9%) |
| 116-119 days | 38% | $456.00 | $744.00 | -$69.70 (5.8%) |
| 120-122 days | 39% | $468.00 | $732.00 | -$70.19 (5.8%) |
| 123-126 days | 40% | $480.00 | $720.00 | -$70.68 (5.9%) |
| 127-130 days | 41% | $492.00 | $708.00 | -$69.53 (5.8%) |
| 131-134 days | 42% | $504.00 | $696.00 | -$68.38 (5.7%) |
| 135-138 days | 43% | $516.00 | $684.00 | -$67.23 (5.6%) |
| 139-142 days | 44% | $528.00 | $672.00 | -$66.08 (5.5%) |
| 143-146 days | 45% | $540.00 | $660.00 | -$64.93 (5.4%) |
| 147-149 days | 46% | $552.00 | $648.00 | -$65.42 (5.5%) |
| 150-153 days | 47% | $564.00 | $636.00 | -$65.92 (5.5%) |
| 154-157 days | 48% | $576.00 | $624.00 | -$64.77 (5.4%) |
| 158-161 days | 49% | $588.00 | $612.00 | -$63.62 (5.3%) |
| 162-165 days | 50% | $600.00 | $600.00 | -$62.47 (5.2%) |
| 166-169 days | 51% | $612.00 | $588.00 | -$61.32 (5.1%) |
| 170-173 days | 52% | $624.00 | $576.00 | -$60.16 (5.0%) |
| 174-177 days | 53% | $636.00 | $564.00 | -$59.01 (4.9%) |
| 178-180 days | 54% | $648.00 | $552.00 | -$59.51 (5.0%) |
| 181-184 days | 55% | $660.00 | $540.00 | -$60.00 (5.0%) |
| 185-188 days | 56% | $672.00 | $528.00 | -$58.85 (4.9%) |
| 189-192 days | 57% | $684.00 | $516.00 | -$57.70 (4.8%) |
| 193-195 days | 58% | $696.00 | $504.00 | -$58.19 (4.8%) |
| 196-199 days | 59% | $708.00 | $492.00 | -$58.68 (4.9%) |
| 200-203 days | 60% | $720.00 | $480.00 | -$57.53 (4.8%) |
| 204-207 days | 61% | $732.00 | $468.00 | -$56.38 (4.7%) |
| 208-211 days | 62% | $744.00 | $456.00 | -$55.23 (4.6%) |
| 212-215 days | 63% | $756.00 | $444.00 | -$54.08 (4.5%) |
| 216-219 days | 64% | $768.00 | $432.00 | -$52.93 (4.4%) |
| 220-222 days | 65% | $780.00 | $420.00 | -$53.42 (4.5%) |
| 223-226 days | 66% | $792.00 | $408.00 | -$53.92 (4.5%) |
| 227-230 days | 67% | $804.00 | $396.00 | -$52.77 (4.4%) |
| 231-234 days | 68% | $816.00 | $384.00 | -$51.62 (4.3%) |
| 235-238 days | 69% | $828.00 | $372.00 | -$50.47 (4.2%) |
| 239-242 days | 70% | $840.00 | $360.00 | -$49.32 (4.1%) |
| 243-245 days | 71% | $852.00 | $348.00 | -$49.81 (4.2%) |
| 246-249 days | 72% | $864.00 | $336.00 | -$50.30 (4.2%) |
| 250-253 days | 73% | $876.00 | $324.00 | -$49.15 (4.1%) |
| 254-257 days | 74% | $888.00 | $312.00 | -$48.00 (4.0%) |
| 258-261 days | 75% | $900.00 | $300.00 | -$46.85 (3.9%) |
| 262-265 days | 76% | $912.00 | $288.00 | -$45.70 (3.8%) |
| 266-268 days | 77% | $924.00 | $276.00 | -$46.19 (3.8%) |
| 269-272 days | 78% | $936.00 | $264.00 | -$46.68 (3.9%) |
| 273-276 days | 79% | $948.00 | $252.00 | -$45.53 (3.8%) |
| 277-280 days | 80% | $960.00 | $240.00 | -$44.38 (3.7%) |
| 281-284 days | 81% | $972.00 | $228.00 | -$43.23 (3.6%) |
| 285-288 days | 82% | $984.00 | $216.00 | -$42.08 (3.5%) |
| 289-292 days | 83% | $996.00 | $204.00 | -$40.93 (3.4%) |
| 293-296 days | 84% | $1,008.00 | $192.00 | -$39.78 (3.3%) |
| 297-299 days | 85% | $1,020.00 | $180.00 | -$40.27 (3.4%) |
| 300-303 days | 86% | $1,032.00 | $168.00 | -$40.77 (3.4%) |
| 304-307 days | 87% | $1,044.00 | $156.00 | -$39.62 (3.3%) |
| 308-311 days | 88% | $1,056.00 | $144.00 | -$38.47 (3.2%) |
| 312-315 days | 89% | $1,068.00 | $132.00 | -$37.32 (3.1%) |
| 316-319 days | 90% | $1,080.00 | $120.00 | -$36.16 (3.0%) |
| 320-323 days | 91% | $1,092.00 | $108.00 | -$35.01 (2.9%) |
| 324-327 days | 92% | $1,104.00 | $96.00 | -$33.86 (2.8%) |
| 328-331 days | 93% | $1,116.00 | $84.00 | -$32.71 (2.7%) |
| 332-334 days | 94% | $1,128.00 | $72.00 | -$33.21 (2.8%) |
| 335-338 days | 95% | $1,140.00 | $60.00 | -$33.70 (2.8%) |
| 339-342 days | 96% | $1,152.00 | $48.00 | -$32.55 (2.7%) |
| 343-346 days | 97% | $1,164.00 | $36.00 | -$31.40 (2.6%) |
| 347-349 days | 98% | $1,176.00 | $24.00 | -$31.89 (2.7%) |
| 350-353 days | 99% | $1,188.00 | $12.00 | -$32.38 (2.7%) |
| 354-365 days | 100% | $1,200.00 | $0.00 | -$18.08 (1.5%) |
About Coachman Insurance Cancellations
- • Minimum premium retained: varies by policy
- • Processing time: 2-4 weeks for refund
- • Method: Cheque or original payment method
- • Required: Written cancellation request
Pro Rata Exceptions
Coachman Insurance may offer pro-rata (no penalty) cancellation for:
- • Switching to another Coachman Insurance policy
- • Vehicle sold with proof of sale
- • Moving out of coverage area
- • Total loss claims
Ready to Calculate Your Exact Coachman Insurance Refund?
Use our calculator with your specific policy dates for an accurate refund estimate
Understanding Coachman Insurance Short Rate Cancellations
When you cancel your Coachman Insurance insurance policy before its expiration date, the company uses this short rate table to calculate your refund. The short rate method ensures Coachman Insurance retains enough premium to cover administrative costs and the risk they assumed while your policy was active.
How to Read This Table
Find the number of days your policy was active in the first column. The "Premium Earned %" shows how much of your annual premium Coachman Insurance keeps. The remaining percentage is your refund, minus any outstanding amounts.
Tips for Cancelling Coachman Insurance Insurance
- Time it right: The penalty percentage increases significantly in the first few months. If possible, wait until closer to renewal.
- Ask about exceptions: Coachman Insurance may waive penalties for certain situations like financial hardship or if you are switching to another Coachman Insurance product.
- Get it in writing: Always request written confirmation of your cancellation date and refund amount.
The Reality of High-Risk Auto Insurance Cancellation
If you're insured with Coachman, you're in what the industry calls the "non-standard" or "facility" market. This is the insurance of last resort for drivers who can't get coverage elsewhere. Cancelling a Coachman policy requires careful planning because replacement coverage may be difficult or impossible to find.
The short rate penalties with Coachman work the same as other insurers, but the financial impact is magnified. If you're paying $4,000-$6,000 per year (common for high-risk drivers), a 10% penalty could mean losing $400-$600. Combined with potentially higher rates at a new insurer, the true cost of switching can be substantial.
Before cancelling, work with your broker to shop the market. Your broker knows which insurers might accept your risk profile and can provide quotes before you commit to cancelling. The goal for most high-risk drivers is to eventually "graduate" to the standard market after 3-6 years of clean driving and continuous coverage.
Path to Standard Market Insurance
Your time with Coachman can be a stepping stone to lower-cost standard insurance:
- • Maintain continuous coverage without lapses
- • Avoid at-fault accidents and traffic convictions
- • Pay premiums on time (no cancellations for non-payment)
- • After 3-6 years, standard insurers may reconsider your application
- • Your broker can help you shop the market annually
Warning: Ontario & Atlantic Facility Association
If you cancel Coachman without replacement coverage, you may need to go through the Facility Association - the insurance of absolute last resort. Facility rates are significantly higher than even Coachman, and being a Facility risk makes it even harder to return to regular insurance. Never let your coverage lapse.
Need help with a different insurer? Try our universal calculator or compare rates below.
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