I know someone who got nailed very hard on the windshield claim thing in the past. Maybe it's not still the case.
I just got a preliminary quote from TD Meloche Monnex for $732 a year, $1M with $1000 deductible. I'm on the "grandfathered" Professional Engineers Ontario plan so that should be a really good rate.
Mind you the quote is preliminary because they couldn't find my VIN in the system. It has to be reviewed.