Facility AssociationCancellation Fee Guide
Official short rate table and cancellation fee calculator for Facility Association (Canada's residual market insurer) policies
Facility Association is Canada's residual market insurer — the insurer of last resort for high-risk drivers who cannot obtain coverage elsewhere. Premiums are typically 2-4x higher than regular market, making cancellation penalties significant in dollar terms. All policy changes must go through your broker.
How to Cancel
- 1Contact your insurance broker
- 2Have your policy number ready
- 3Ensure you have replacement coverage
- 4Request the refund calculation in writing
- 5Get written confirmation of cancellation date
Refund processing: 10-15 business days through your broker. May take longer than regular insurers. Confirm refund calculation before cancelling.
Enter your premium to see dollar amounts below
Facility Association 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
- • Secure replacement coverage first — due to your risk profile, finding new insurance may take time. Never cancel without a new policy in place
- • Check your driving record — after 1-3 years of clean driving, you may qualify for regular market insurance at significantly lower rates
- • Shop around with multiple brokers — compare the savings against your short rate penalty to see if switching makes financial sense
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