Tools
Short Rate Calculator
Calculate cancellation penalties using official rate tables
Pro Rata Calculator
Calculate refunds without cancellation penalties
Monthly Payment Calculator
See the true cost of monthly insurance payments
Cancellation Letter Generator
Generate professional insurance cancellation letters
Cancellation Fees by Company
View detailed cancellation fee guides for major Canadian insurers
CostExpert provides free insurance cancellation calculators for Canadian policyholders. Our tools use official short rate tables from major insurers including TD, Desjardins, Intact, Aviva, and CAA to help you understand cancellation penalties before making decisions. All calculations are estimates — always confirm with your insurance provider.