Where are you in Ontario?
I would have thought that an broker would have been able to sort out a better rate on the basis that you will be getting a G license once they get back to work. As you have 90 days to change I would also think that a word with the OPP might be a good idea, nothing specific - general inquiry as to your status.
If your driving record from the UK is good and you have brought with you proof of bonus I would have thought a more reasonable price could have been arranged.
I found a Broker is best , as they have a better trading relationship with companies, especially if you can offer addition insurance needs.