Daniel Lunansky, Broker Partner
RIBO licensed Ontario brokerage 647-998-3265 Get my quotes
Daniel Lunansky, insurance broker
Daniel Lunansky
Broker Partner, Reliable Insurance Brokers
Answers his own phone. No chatbot, no call centre.

Find out in 3 minutes whether you are overpaying for car or auto insurance.

Answer a few quick questions, it takes under 3 minutes, and you get three real quotes from Ontario's top insurers, back to you in one business day. I shop 12 insurers, apply every discount you actually qualify for, and send you real numbers instead of ballpark estimates. No call centre, no chatbot, no obligation.

If I cannot beat what you are already paying, I will tell you to stay where you are.
4.9 on Google 12 insurers compared Reply within 2 business hours
Step 1 of 3Under 3 minutes

What do you want quoted?

Bundling home and auto is the single largest discount most Ontario households qualify for.

Canadian owned and operated. No AI, no chat bots, no call centres.

I compare quotes from Ontario's top insurance companies

Intact Insurance
Aviva Canada
Definity
Travelers Canada
Wawanesa Insurance
Pembridge Insurance
Unica Insurance
Chubb Insurance
Max Insurance
Pafco Insurance
Jevco Insurance
Hagerty

What happens after you hit send

Most quote forms send you into a black hole. Here is the actual sequence, with the times attached, so you know what you are agreeing to.

1
Within 2 business hours

You hear from me, not a call centre

An email or a call from me directly. One 15 minute conversation to get your file right, and I will tell you upfront if I do not think I can help.
2
Within 1 business day

Three real quotes, side by side

Actual numbers from actual insurers, with what each one covers written in plain English, plus every discount I was able to apply and what it saved you.
3
Only if you say yes

I handle the switch

I bind the new policy, aid with cancelling the old one so there is never a gap, and send proof of insurance to your lender, landlord or leasing company. About 10 minutes of your time.

Everything you get, and what it costs you

There is no added cost to you. You get me doing the legwork and finding you the best rate, whether you switch or not. No strings attached.

Your total cost
$0

A 12 insurer market check

Your file goes to the whole panel, not one company. That spread is where the savings live.

A full discount audit

I run your household against every discount on the list below, including the group and union programs most people never get asked about.

A coverage gap review of your current policy

Line by line on what you have now, including the coverage you are paying for and will never use, and the gaps that would hurt in a claim.

Yearly re-shopping before renewal

Rates move. I re-quote your file each year ahead of renewal instead of letting it drift up quietly.

One human, on one number

You deal with me. Claims, changes, a new car, a move, a teenage driver. Same number every time.

Claims support when it actually matters

If something happens, I walk you through the claim and stay on it with the insurer until it is resolved.

What Daniel's own clients say

Word for word from Daniel's own Google profile, not the brokerage wide feed. Tap any card to read it at the source.

4.9
Daniel's Google rating
11 yrs
Brokering in Ontario

If you need insurance Daniel is the person you should see. Professional and caring- two words that describe Daniel's work best. He gave the best deal, did everything quickly and after work hours, updated us along the way- could not have done a better job! Highly recommend Daniel's services.

Venera MartirosyanGoogle review, 2022

Hands down the best insurance company out there. Quick to cater to your insurance needs. Daniel was friendly and a pleasure to deal with. Thanks for the help. You'll have my business for as long as I own a vehicle.

Zak SeidGoogle review, 2024

Great experience working with Daniel, all options were explored and I got the best price on my car and home insurance. My interactions have been very professional and my queries were replied to very diligently. Highly recommended.

Mr. VGoogle review, 2023

An amazing company to work with. Daniel is responsive, attentive and exceptionally helpful. He always has your interests in mind and is extremely professional. He helped me get exactly what I wanted and gave advice without being pushy. I highly recommend using Reliable Insurance, you will not regret it.

Edward WrightGoogle review, 2022

Daniel was great to work with throughout the whole process. He's knowledgeable and pays attention to detail. It was really good experience, highly recommend.

Neil McGregorGoogle review, 2025

Daniel has been very helpful in working out my insurance concerns. He is reliable, honest, and a pleasure to do business with. I would definitely recommend him to anyone who needs an insurance broker.

Beth SipermanGoogle review, 2022

Daniel is a very nice person he always do his best to help me with my insurance and i will highly recommend him to my friends for his excellent customer service

Bebincia EvinGoogle review, 2024

I had a very good experience, They gave us a good quote!

Mozhan RamezaniGoogle review, 2025
Every review above is from Daniel's Google Business Profile. Tap any card to read it on Google. Read them all on Google

The discounts nobody ever asked you about

Most people are not overpaying because they were careless. They are overpaying because nobody walked them through this list. On our call, I go through every one of these against your actual file.

Home and auto bundle
Union and professional group
Winter tires
Telematics, up to 25%
Claims free history
Working from home
Mortgage free home
Water leak detection
Monitored alarm system
Quoting 30 days early
Good student
Multiple vehicles
Find out which ones apply to me
Most missed saving in Ontario

In a union, a hospital, a school board or a professional association?

Group programs can price well below the open market, and most people never get asked about them. You may also qualify through your spouse or partner's membership, which is the part almost everyone misses. Tell me where you work and I will check which programs you can access.

Check my group discount
Daniel Lunansky
Daniel Lunansky
Broker Partner, Reliable Insurance Brokers
RIBO licensed

Who you are actually dealing with

My job is not to sell you a policy. It is to ask you the twenty questions nobody asked you last time. Do you run winter tires. How old is the roof. Is the water heater tankless. Does anyone in the house belong to a union. Are you paying for a rental car benefit you will never use. Then I take the answers to the market and come back with real numbers.

I am based in Toronto and licensed through Reliable Insurance Brokers, an Ontario brokerage with more than 295 Google reviews. I answer my own phone. Call at 7pm on a Tuesday and you get me, not a queue and not a chatbot.

Direct line
647-998-3265
Hours
Mon to Fri 9am to 8pm
Sat and Sun 10am to 6pm

The straight answer promise

If your current policy is already the best available price for the coverage you need, I will tell you that in writing and I will not ask you to switch. You keep the coverage review either way. I would rather be the broker you call next year than the one who talked you into something this year.

The questions people actually ask before filling this in

Does this cost me anything?

No. Ontario brokers are paid a commission by the insurer that writes the policy. The quotes, the review and the advice are free whether you switch or not.

Will this hurt my credit score?

No hard credit check is run to quote you. Where an insurer uses credit information it is a soft check that does not affect your score, and only with your consent.

Do I have to cancel my current policy first?

Never. Do not cancel anything until the new policy is confirmed in writing. I aid with the cancellation after the new coverage is in force so there is no gap.

Am I going to get called by twelve companies?

No. I am your only point of contact. Your information goes to insurers on your behalf, not onto a lead list.

What if I have a ticket, a claim or a lapse in coverage?

Still worth quoting. Insurers price these very differently from each other, and that spread is often where the biggest savings show up.

How long does the call actually take?

About 15 minutes for auto, a little longer if we are doing home and auto together. One call, not a sequence of them.

What do you need from me to start?

Your name, how to reach you, and what you want insured. If you add your driver's licence number, I can pull your driving record and have real numbers ready before we even speak. Anything else we can sort out on the call.

Who exactly am I dealing with?

Daniel Lunansky, a licensed broker at Reliable Insurance Brokers, a RIBO registered Ontario brokerage. Every policy is placed through the brokerage.

One call. Three quotes. No obligation.

Three quotes, one business day, no obligation. If your rate is already good, I will say so.

Call now Get my quotes