Please note that this page is purely informational and MyChoice has NO association to this company.
Echelon Insurance: Snapshot
| Available in Canada? | Yes — Echelon is a Canadian specialty insurer offering personal and commercial products through brokers. |
| Available in Ontario? | Yes; its personal automobile page links the Standard Ontario Automobile Policy. |
| Direct, broker or affinity distribution | Broker-only. Echelon says its products are available exclusively through licensed broker partners. |
| Underwriting company | Echelon Insurance (the insurer is commonly identified legally as Echelon Insurance Company); it has been part of CAA Club Group since 2019. |
| How to get a quote | Contact a licensed Echelon broker; there is no direct consumer quote flow on the cited product page. |
| How to report a claim | Report to the broker/agent immediately. If unavailable or after hours, call Echelon’s 24-hour Ontario/Alberta/Atlantic line at 1-866-252-2854. |
| Digital account or app | No consumer self-service account or mobile app was confirmed. The visible portals are broker-facing. |
Echelon Protection Options for Higher-Risk Drivers
- Echelon’s personal auto product is aimed at automobiles, pickup trucks and SUVs used personally rather than commercially.
- It publishes liability limits up to $2 million and optional Collision or Comprehensive coverage.
- Optional Loss of Use and Waiver of Depreciation endorsements are available.
- Accident forgiveness, usage-based insurance, rideshare and EV-specific coverage/discounts were not confirmed on the current public Echelon automobile page.
Finding Echelon Discounts Through a Broker
- Echelon mentioned discounts may be available but does not publish a consumer discount list on its automobile page. Customers must ask their broker which discounts apply.
- Customers can choose an eligible deductible and may pay in full or through monthly pre-authorized payments; these are payment/coverage choices, not necessarily discounts.
Echelon’s Broker-First Claims Process
About Echelon Car Insurance
Echelon Insurance is a Canadian property and casualty specialty insurer that provides non-standard personal auto insurance to qualified drivers having difficulty locating standard auto insurance due to a variety of reasons, for example, inexperience, driving record, high number of claims, licence suspensions or difficulty making payments. Not all applicants will be accepted.
Echelon Insurance became a member of the CAA Club Group family in 2019.
Echelon’s products are available from licensed brokers only.
How Echelon Reviews Stack Up
| Insurance Provider | Company’s Online Rating |
|---|---|
| Echelon | 2.1/5 |
| Millennium | 3.2/5 |
| Sonnet | 1.5/5 |
| Pembridge | 1.7/5 |
| Progressive | 2.4/5 |
Echelon Car Insurance Pros & Cons
Here is a list of the top benefits and drawbacks of getting car insurance from Echelon, taken from Echelon’s online reviews.
| Pros | Cons |
|---|---|
| Affordable Rates | Unexpected Rate Increases |
| Willing to Insure High-Risk Policies | Limited Control Over Policy Adjustments |
| Efficient Claims Process | Potential Delays in Communication |
| Flexibility in Payments | Outsourced Claims Handling |
Which Canadian Provinces Does Echelon Serve?
Echelon’s personal, non-commercial automobile product is currently offered in the following provinces: Ontario, Nova Scotia, New Brunswick, Prince Edward Island and Quebec.
Echelon’s other products have a different availability by region. Some products are available in Alberta and British Columbia. This is not a complete listing of provinces in which Echelon operates.
What Other Insurance Products Does Echelon Offer?
Echelon has a Mobile Home product offered in British Columbia which can insure mobile homes, manufactured/modular homes and seasonal park models with coverage including dwelling, detached structures, additional living expenses, personal liability with additional options available.