What we are
TopRates.ca is operated by Webhub4u Inc., a Canadian technology company. We publish plain-English guides to Canadian auto, home, tenant and business insurance, credit cards, banking and investing. We do not currently have signed issuer affiliate relationships or card application links. Mortgages are covered on our sister site TermRates.ca, and life and health insurance on LifeRate.ca and HealthRate.ca.
What you can expect
Plain-English guides that aim to name the sources behind what they say
Card details labelled as unverified until checked with the issuer
No fabricated savings claims, no countdown-timer urgency, no upsell language
Education only — we don’t sell insurance, give quotes or arrange coverage
What we don’t do
TopRates.ca doesn’t sell insurance, give quotes, arrange coverage or give personal advice. Webhub4u Inc. is not a licensed insurance broker, mortgage brokerage or financial advisor.
Our calculators give estimates from the numbers you enter, not quotes. Before you act on anything you read here, talk to a licensed professional in your province or territory — our disclaimer sets this out in full.
Why this structure
We’re a publisher, not a broker. TopRates.ca exists to explain how Canadian insurance and personal finance work, so you can make your own decisions and ask better questions of a licensed professional.
We explain how we make money, and our disclosures set out our editorial standards.