Pembridge InsuranceCancellation Fee Guide
Official short rate table and cancellation fee calculator for Pembridge Insurance (Pembridge Insurance Company) policies
Quick estimate
Auto scheduleRefund $828
Pembridge Insurance Company was established in 1999 and is a wholly owned subsidiary of Allstate Insurance Company of Canada, which has operated in Canada since 1953 and is part of The Allstate Corporation. Allstate Canada reported 3,026 employees at the end of 2024 and operates in Ontario, Quebec, Alberta, Nova Scotia and New Brunswick; within the group, Pembridge is the company that writes auto and home insurance through independent brokers, while Allstate-branded policies are sold through Allstate's own agencies. Neither Pembridge nor Allstate Canada publishes a customer count or premium figure for Pembridge alone.
For early cancellations Pembridge applies the standard industry short rate table: 8% of the annual premium is retained for a cancellation in the first three days, rising to 100% at day 354, with a minimum retained premium of $25. There is no separate cancellation fee. The schedule on this page is the auto table; Pembridge home policies use a separate schedule with 15-day steps.
How Pembridge calculates your cancellation fee
The standard table keeps 8% of your premium for a cancellation in the first three days and rises to 100% at day 354. Read the row for your days in force, take the retained percentage, and subtract it from your annual premium. The schedule below is Pembridge's auto table. Pembridge home policies use a separate schedule with 15-day steps, so confirm the figure when you request a quote for a property policy.
On a $1,200 policy cancelled after 30 days, Pembridge keeps about 15% ($180), leaving a $1,020 refund. A pro rata refund would return roughly $1,101 — so the short rate penalty is about $81. At day 30, 8.2% of the policy year has elapsed and the table retains 15%, a gap of 6.8 points; at day 300 the gap is 3.8 points (86% against 82.2%).
How to cancel your Pembridge policy
Pembridge policies are sold through independent brokers, so the cancellation request is submitted through the broker who holds your policy; Pembridge can also be reached at 1-877-736-2743. Ask for a cancellation quote first so the retained premium and the effective date are confirmed before you agree.
- 1Submit the request through the broker who holds your policy
- 2Or call Pembridge at 1-877-736-2743
- 3Have your policy number ready
- 4Request a cancellation quote first
- 5Specify your desired cancellation date
Refund timing depends on how the policy was paid. Ask whoever processes the cancellation, Pembridge or the broker of record, to confirm when the refund will be released and how it will reach you.
Pembridge Insurance Short Rate Summary
Refund at key cancellation points, based on a $1200 annual premium
| Days in Force | Earned % | Refund |
|---|---|---|
| 14 days | 11% | $1,068 |
| 30 days | 15% | $1,020 |
| 60 days | 23% | $924 |
| 90 days | 31% | $828 |
| 120 days | 39% | $732 |
| 180 days | 54% | $552 |
| 270 days | 78% | $264 |
| 330 days | 93% | $84 |
Pembridge Insurance keeps a minimum of $25.00 on any cancellation. Where that minimum is more than the amount earned by the schedule, the Refund column is based on the minimum instead.
How Pembridge compares
Pembridge's percentages are identical to the standard industry table on every day of the term: 15% retained at day 30, 31% at day 90, 54% at day 180 and 86% at day 300, against 8.2%, 24.7%, 49.3% and 82.2% under a pro rata split. At day 90 the insurers that use their own schedules retain more: Intact 34%, TD and Desjardins 36%. The full schedule is on our short rate table.
A minimum retained premium of $25 applies to Pembridge cancellations. Some cancellations are refunded pro rata with no short rate penalty, for example when the insurer rather than the policyholder cancels the policy; whether your reason qualifies is set by Pembridge's rules, so ask when you request the quote.
Before you cancel
- Minimum retained premium — Pembridge keeps at least $25 on any cancellation, whatever the table percentage works out to.
- Auto and home use different tables — the schedule on this page is the auto table; the home schedule moves in 15-day steps, so a property cancellation quote will differ from the figures here.
- Multi-policy discounts — a discount that depends on holding more than one Pembridge or Allstate policy may end when one of them is cancelled; Pembridge can confirm the effect on the remaining policy.
Frequently Asked Questions
How much is the Pembridge Insurance cancellation fee?
Pembridge uses the standard short rate table rather than a flat fee. On a $1,200 policy cancelled after 30 days, it keeps about 15% ($180) and refunds $1,020. A pro rata refund would return roughly $1,101, so the short rate penalty in this example is about $81: at day 30 the table retains 15% of the premium while 8.2% of the policy year has elapsed.
Does Pembridge Insurance charge a separate cancellation fee?
No. There is no standalone administrative fee; the penalty is built into the standard short rate calculation. A minimum retained premium of $25 applies, so on a very small premium the refund can be less than the table percentage implies.
How do I cancel my Pembridge Insurance policy?
Submit the request through the broker who holds your policy, or call Pembridge directly at 1-877-736-2743. Have your policy number ready, request a cancellation quote, and specify your desired cancellation date before confirming.
Is Pembridge Insurance part of a larger company?
Yes. Pembridge Insurance Company was established in 1999 and is a wholly owned subsidiary of Allstate Insurance Company of Canada, which has operated in Canada since 1953 and is part of The Allstate Corporation. Pembridge policies are sold through independent brokers; Allstate-branded policies are sold through Allstate’s own agencies.
How long does a Pembridge refund take?
It depends on how the policy was paid: if you pay by pre-authorized withdrawal the refund is worked through your payment schedule, while a cheque has to be printed and posted. No turnaround is published, so ask whoever processes the cancellation, Pembridge or the broker of record, for an expected date.
Sources & Verification
- ·Verified against Pembridge's Ontario auto underwriting rules in effect July 2026.
- ·Pembridge service line (1-877-736-2743) and broker channel for current cancellation procedures.
- ·Company facts (founding, ownership, Allstate Canada employees and provinces) from pembridge.com and Allstate Canada’s 2024 Public Accountability Statement; see docs/carrier-facts.md in the site repository for the full ledger.
- ·Reviewed by the CostExpert editorial team. Figures are estimates — confirm your exact refund with Pembridge or your broker before cancelling.
Reviewed by CostExpert Editorial Team · Last verified September 2026
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