Boy I love this service and keep recommending it my friends and associates. Living downtown and having a job that doesn't require me to do a commute requiring a car this is my go to service for quick shopping trip that require a car (read Costco you devil you make me buy things in bulk!) or a quick trip to the airport etc. I don't have to worry about paying insurance and have even rented out my parking spot :) They really do have good coverage if you are in downtown core and it does thin out a bit you stray off the Yonge/University line but that's understandable. So why not a 5 star? they have increased the deductible to 750$ now (hopefully I will never need it) and the rates have gone up a bit. Would I use it? sure in a heart beat.