Echelon Auto Insurance Review

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 12, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated March 12, 2024

Visit author page

4 minute read

Article Contents

Echelon Insurance Review

Echelon Insurance might be the perfect option if you’re struggling to find and get approved for insurance coverage that fits your needs. As a prominent casualty and property insurance provider in Canada and Europe, Echelon protects individuals and businesses seeking specialized coverage. Echelon has carved a niche in providing insurance solutions for both personal and commercial sectors, including those hard to place due to unique circumstances such as inexperience or a challenging driving record. With a comprehensive product range that spans from personal auto insurance to commercial insurance and surety, Echelon caters to those who may not fit the conventional insurance market mould. Available exclusively through select insurance brokers, Echelon’s approach to underwriting and distribution ensures tailored solutions for those with specific insurance needs without the overhead of in-house agents.

When customers purchase a policy online with Echelon, they can expect:

  • Insurance coverage that is available for drivers with challenging driving histories, including frequent claims, driving violations, impaired driving incidents, and license suspensions.
  • Insurance for a wide variety of vehicles, including sports cars, classic cars, and motorcycles.
  • 24/7 claims support, providing you with assistance whenever you need it.

To secure a policy from Echelon Insurance, working with a licensed insurance broker is necessary. Echelon does not directly sell policies to customers.

A Brief Company History

Established in 1998, Echelon Insurance is committed to offering innovative insurance solutions tailored to Canadian businesses’ and families’ unique needs. Recognized as a premier specialty insurer, Echelon is dedicated to viewing its clientele distinctively, ensuring they receive coverage options as exceptional as their requirements. Expanding its portfolio to include commercial and personal auto insurance, coverage for business owners, commercial property, and surety, Echelon has consistently focused on addressing specific market needs.

In a significant development in 2019, Echelon joined the CAA Club Group, enhancing its ability to protect Canadian families and businesses through a collaborative approach with broker partners and further solidifying its position in the insurance landscape.

Why Choose Echelon Car Insurance

Echelon is dedicated to offering its clients a sense of security by safeguarding the assets of both individuals and businesses. Whether for a car, motorcycle or recreational vehicle, they aim to provide comprehensive coverage for your protection. Echelon Insurance recognizes that consumers deemed high risk by insurance providers often encounter higher premiums and deductibles. It’s committed to making high-quality, affordable insurance accessible to all, including those needing high-risk auto insurance. Some of Echelon’s strengths include:

Non-Standard Auto Insurance

Insurance coverage is available for drivers with challenging driving histories, including frequent claims, driving violations, impaired driving incidents, and license suspensions. This includes coverage for various vehicles, such as sports cars, classic cars, and motorcycles.

Specialized Products and Expert Underwriting

Echelon’s insurance products are designed with a deep understanding of the specialty markets, ensuring tailored underwriting and solutions.

Financial Stability

Over 25 years of experience backed by the financial strength of the CAA Club Group, with a century-long history of serving Canadians.

Personalized Service

Collaboration with brokers to meet customers’ unique needs, complemented by risk mitigation strategies from in-house experts.

Competitive Rates for High-Risk Drivers

Affordable alternatives to Facility Association coverage for high-risk drivers, often at lower rates.


Echelon Insurance is available in multiple provinces across Canada, including Ontario, Nova Scotia, New Brunswick, Prince Edward Island, and Quebec.

Pros and Cons of Buying Echelon Car Insurance

Echelon specializes in providing personal and commercial insurance solutions tailored for distinctive circumstances or businesses that are challenging to insure. This includes offering auto insurance to drivers who traditional insurers might deny due to factors like lack of experience or a history of driving violations and frequent claims, among other issues. While there are numerous advantages to Echelon’s services, potential limitations should also be considered.

  1. Personalized Service: Collaboration with brokers to meet customers’ unique needs, complemented by risk mitigation strategies from in-house experts.
  2. Data-Driven Pricing: Utilization of data analytics for a comprehensive understanding of specialty needs, ensuring fair and comprehensive coverage.
  3. Diverse Vehicle Coverage: Insurance for all vehicle types, including sports cars, classic cars, and motorcycles.
  4. Industry-Specific Business Insurance: Tailored protection for construction, food, and hospitality sectors.
  5. Non-Standard Auto Insurance: Solutions for drivers with poor records, offering rehabilitation opportunities and policies for motorcycles, motorhomes, and more.
  6. 24/7 Claims Service: Round-the-clock support for filing claims, ensuring peace of mind.
  7. Preferred Vendor Partnerships: Collaborations with Carstar, Enterprise Rent-A-Car, and Uniban Canada for efficient post-claim services.
  8. Collector Vehicle Insurance: Specialized coverage in Alberta and Ontario for collectible automobiles, including spare parts coverage.
  9. Commercial Trucking Insurance: Dedicated long-haul trucking insurance is available through select brokers in Ontario and Quebec.
  10. Unique Underwriting Process: A distinctive approach allowing for competitive rates and options for those outside standard guidelines.
  11. Competitive Rates for High-Risk Drivers: Affordable alternatives to Facility Association coverage for high-risk drivers, often at lower rates.
  1. Imperfect Customer Service: Online feedback indicates that reaching the Echelon can be challenging, with extended response times reported.
  2. Broker-Only Policies: Policies from Echelon are exclusively available through collaboration with licensed and knowledgeable brokers.

Echelon Insurance Discounts

Discounts might be available from Echelon for your insurance needs; however, you should contact your broker to explore applicable coverage and discounts.

CAA Membership Discount

Holding a CAA Membership entitles you to a 5% discount on any vehicle insured through Echelon Insurance. Since CAA owns Echelon Insurance, this discount is extended to Echelon policyholders.

Additional Insurance Services Provided by Echelon

Beyond car insurance, Echelon extends its services to a variety of property insurance options, catering to different needs:

Echelon’s Hard to Place home insurance program offers coverage for scenarios typically not covered by standard insurers, making it easier to secure home insurance in Ontario under unique conditions such as protection for homes that are currently vacant or unoccupied and insurance solutions for vacation homes and cottages, with options for either specific named perils or more extensive coverage.

Echelon simplifies the process of insuring high-risk commercial entities by providing a diverse range of insurance products, including:

  • Commercial vehicle insurance
  • Comprehensive commercial packages
  • Tailored business owner packages
  • General commercial liability
  • Equipment breakdown coverage
  • Warranty solutions
  • Protection for creditors

How To Submit A Claim With Echelon Insurance

Below are some options if you are looking to file a claim with Echelon.


You can contact them at anytime 24/7

Contact by phone

Feel free to contact the team by phone


File a claim by visiting the website

Commonly Asked Questions About Echelon Insurance

Where is Echelon Insurance headquartered?

Echelon Insurance’s main office is in Mississauga, Ontario, with additional offices in Laval, Montreal (Quebec), and Kelowna, Burnaby (British Columbia), serving customers throughout Canada.

How can I obtain Echelon Insurance?

To purchase insurance from Echelon, contact an insurance broker who will assist in finding the appropriate coverage through Echelon or another suitable insurer.

Does Echelon offer payment plans?

Echelon may offer payment plans, depending on the policy type required.

Is Echelon a provider of high-risk auto insurance?

Echelon specializes in non-standard car insurance for high-risk drivers in provinces like Ontario, Quebec, New Brunswick, Prince Edward Island, and Nova Scotia, potentially offering lower premiums than the Facility Association.

Who owns Echelon Insurance?

Since 2019, Echelon has been part of the CAA Club Group, offering extensive services, including roadside assistance and insurance, to over 2 million members. The group encompasses CAA Insurance, Orion Travel Insurance Company, and Echelon Insurance, focusing on non-standard auto insurance and other insurance products.

How do I cancel my policy with Echelon Insurance?

To cancel, contact your Echelon agent or broker for guidance. You may receive a refund or incur a cancellation fee depending on your policy’s terms.

Will I be penalized for canceling my Echelon policy early?

Yes, early cancellation of an Echelon policy typically results in a fee the provider or broker charges.

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