1. They will increase insurance premium from the second year
(which is the opposite of most other companies).
2. When you decide to leave them, you have to pay a certain amount
of fine.
3. When you leave, they will not give you insurance reference (this
is very bad, because I believe a history traceability is very important
here in Canada).
4. I heard from some friends, that if there is any accident, you will
most probably have problems with claims.

So I don't think it's a good choice.