Coachman InsuranceCancellation Fee Guide
Official short rate table and cancellation fee calculator for Coachman Insurance high-risk auto policies
Coachman Insurance is a non-standard auto insurance specialist serving high-risk drivers in Ontario and Atlantic Canada. All policies are broker-administered — direct cancellation is not available.
How to Cancel
- 1Contact your insurance broker
- 2Request a cancellation quote with penalty
- 3Confirm you have alternative coverage
- 4Provide written cancellation request
- 5Await refund through your broker
Refund processing: 14-21 business days. Refund to broker: 2-3 weeks, then broker to you: 5-10 days. Total: 4-5 weeks typical.
Enter your premium to see dollar amounts below
Coachman Insurance Short Rate Schedule
Based on $1200 annual premium
| Days in Force | Earned % | Amount Earned | Refund |
|---|---|---|---|
| 1–3 days | 8% | $96.00 | $1,104.00 |
| 4–7 days | 9% | $108.00 | $1,092.00 |
| 8–11 days | 10% | $120.00 | $1,080.00 |
| 12–15 days | 11% | $132.00 | $1,068.00 |
| 16–19 days | 12% | $144.00 | $1,056.00 |
| 20–23 days | 13% | $156.00 | $1,044.00 |
| 24–26 days | 14% | $168.00 | $1,032.00 |
| 27–30 days | 15% | $180.00 | $1,020.00 |
| 31–34 days | 16% | $192.00 | $1,008.00 |
| 35–38 days | 17% | $204.00 | $996.00 |
| 39–42 days | 18% | $216.00 | $984.00 |
| 43–46 days | 19% | $228.00 | $972.00 |
| 47–49 days | 20% | $240.00 | $960.00 |
| 50–53 days | 21% | $252.00 | $948.00 |
| 54–57 days | 22% | $264.00 | $936.00 |
| 58–61 days | 23% | $276.00 | $924.00 |
| 62–65 days | 24% | $288.00 | $912.00 |
| 66–69 days | 25% | $300.00 | $900.00 |
| 70–73 days | 26% | $312.00 | $888.00 |
| 74–76 days | 27% | $324.00 | $876.00 |
| 77–80 days | 28% | $336.00 | $864.00 |
| 81–84 days | 29% | $348.00 | $852.00 |
| 85–88 days | 30% | $360.00 | $840.00 |
| 89–92 days | 31% | $372.00 | $828.00 |
| 93–96 days | 32% | $384.00 | $816.00 |
| 97–99 days | 33% | $396.00 | $804.00 |
| 100–103 days | 34% | $408.00 | $792.00 |
| 104–107 days | 35% | $420.00 | $780.00 |
| 108–111 days | 36% | $432.00 | $768.00 |
| 112–115 days | 37% | $444.00 | $756.00 |
| 116–119 days | 38% | $456.00 | $744.00 |
| 120–122 days | 39% | $468.00 | $732.00 |
| 123–126 days | 40% | $480.00 | $720.00 |
| 127–130 days | 41% | $492.00 | $708.00 |
| 131–134 days | 42% | $504.00 | $696.00 |
| 135–138 days | 43% | $516.00 | $684.00 |
| 139–142 days | 44% | $528.00 | $672.00 |
| 143–146 days | 45% | $540.00 | $660.00 |
| 147–149 days | 46% | $552.00 | $648.00 |
| 150–153 days | 47% | $564.00 | $636.00 |
| 154–157 days | 48% | $576.00 | $624.00 |
| 158–161 days | 49% | $588.00 | $612.00 |
| 162–165 days | 50% | $600.00 | $600.00 |
| 166–169 days | 51% | $612.00 | $588.00 |
| 170–172 days | 52% | $624.00 | $576.00 |
| 173–176 days | 53% | $636.00 | $564.00 |
| 177–180 days | 54% | $648.00 | $552.00 |
| 181–184 days | 55% | $660.00 | $540.00 |
| 185–188 days | 56% | $672.00 | $528.00 |
| 189–192 days | 57% | $684.00 | $516.00 |
| 193–195 days | 58% | $696.00 | $504.00 |
| 196–199 days | 59% | $708.00 | $492.00 |
| 200–203 days | 60% | $720.00 | $480.00 |
| 204–207 days | 61% | $732.00 | $468.00 |
| 208–211 days | 62% | $744.00 | $456.00 |
| 212–215 days | 63% | $756.00 | $444.00 |
| 216–219 days | 64% | $768.00 | $432.00 |
| 220–222 days | 65% | $780.00 | $420.00 |
| 223–226 days | 66% | $792.00 | $408.00 |
| 227–230 days | 67% | $804.00 | $396.00 |
| 231–234 days | 68% | $816.00 | $384.00 |
| 235–238 days | 69% | $828.00 | $372.00 |
| 239–242 days | 70% | $840.00 | $360.00 |
| 243–245 days | 71% | $852.00 | $348.00 |
| 246–249 days | 72% | $864.00 | $336.00 |
| 250–253 days | 73% | $876.00 | $324.00 |
| 254–257 days | 74% | $888.00 | $312.00 |
| 258–261 days | 75% | $900.00 | $300.00 |
| 262–265 days | 76% | $912.00 | $288.00 |
| 266–268 days | 77% | $924.00 | $276.00 |
| 269–272 days | 78% | $936.00 | $264.00 |
| 273–276 days | 79% | $948.00 | $252.00 |
| 277–280 days | 80% | $960.00 | $240.00 |
| 281–284 days | 81% | $972.00 | $228.00 |
| 285–288 days | 82% | $984.00 | $216.00 |
| 289–292 days | 83% | $996.00 | $204.00 |
| 293–296 days | 84% | $1,008.00 | $192.00 |
| 297–299 days | 85% | $1,020.00 | $180.00 |
| 300–303 days | 86% | $1,032.00 | $168.00 |
| 304–307 days | 87% | $1,044.00 | $156.00 |
| 308–311 days | 88% | $1,056.00 | $144.00 |
| 312–315 days | 89% | $1,068.00 | $132.00 |
| 316–318 days | 90% | $1,080.00 | $120.00 |
| 319–322 days | 91% | $1,092.00 | $108.00 |
| 323–326 days | 92% | $1,104.00 | $96.00 |
| 327–330 days | 93% | $1,116.00 | $84.00 |
| 331–334 days | 94% | $1,128.00 | $72.00 |
| 335–338 days | 95% | $1,140.00 | $60.00 |
| 339–341 days | 96% | $1,152.00 | $48.00 |
| 342–345 days | 97% | $1,164.00 | $36.00 |
| 346–349 days | 98% | $1,176.00 | $24.00 |
| 350–353 days | 99% | $1,188.00 | $12.00 |
| 354–365 days | 100% | $1,200.00 | $0.00 |
Tips to Minimize Penalties
- • Never cancel without replacement coverage — high-risk drivers face limited options, and any coverage lapse resets your continuous insurance clock
- • Higher premiums = larger dollar penalties — with non-standard premiums often 2-3x higher, short rate penalties are proportionally bigger
- • Patience pays — clean time with Coachman can eventually help you qualify for standard market rates (3-6 years)
Need a different insurer? Try our universal calculator
Compare Other Insurance Companies
TD InsuranceDesjardinsAvivaCAAEconomicalEchelonFacility AssociationPembridgeIntact InsuranceTravelers Dominion
Click on any company to view their specific cancellation fee rates and policies.