Pembridge InsuranceCancellation Fee Guide
Official short rate table and cancellation fee calculator for Pembridge Insurance (backed by Allstate Canada) policies
Pembridge Insurance is backed by Allstate Insurance Company of Canada and distributes exclusively through independent brokers in Alberta, Ontario, and Atlantic Canada. They follow the standard short rate table with penalties starting at 8% retained for the first 3 days.
How to Cancel
- 1Contact your insurance broker first
- 2Or call Pembridge at 1-877-736-2743
- 3Have your policy number ready
- 4Request a cancellation quote first
- 5Specify your desired cancellation date
Refund processing: 7-14 business days. Pre-authorized payment: 1-2 billing cycles. Cheque by mail: 2-4 weeks.
Enter your premium to see dollar amounts below
Pembridge 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
- • Use your broker — they can negotiate better cancellation terms and find alternatives within their portfolio of insurers
- • Timing matters — short rate penalties decrease as you approach renewal. Use our calculator to find the optimal time
- • Check multi-policy discounts — cancelling one policy may affect discounts on other Pembridge/Allstate policies
Need a different insurer? Try our universal calculator
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