Pembridge Auto Insurance Review & Coverage

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First published on March 14, 2025

2 minute read

✎ Updated By Matthew Roberts on September 24, 2026

MyChoice follows a strict content review process designed to ensure reliable and unbiased information.

This page is for informational purposes only and MyChoice is not affiliated with the company referenced.

Pembridge Car Insurance Facts

Available in Canada?Yes. Pembridge publishes auto availability through
selected brokers in Alberta, Ontario and Atlantic Canada;
exact province/product eligibility should be confirmed
with a broker.
Available in Ontario?Yes.
Direct, broker or
affinity distribution
Independent/select broker distribution.
Underwriting companyPembridge Insurance Company, backed by
Allstate Insurance Company of Canada.
How to get a quoteContact a Pembridge-authorized independent
insurance broker.
How to report a claimStart with the broker, call Ontario’s 24/7
Claims Promise Line at 1-800-387-0462 or
905-477-5550, or submit the online auto-claim form.
Digital account or appOnline claim and customer-service tools are
available. A dedicated public Pembridge mobile
policy app is not confirmed on the company’s current public pages.

What Ontario Drivers Can Add to a Pembridge Policy

  • Pembridge publishes mandatory liability and accident benefits plus optional collision, comprehensive, specified perils and all perils, with availability varying by province.
  • Its product material also identifies private-passenger, artisan, antique and classic vehicles. Accident Forgiveness may be available to qualifying drivers; it is not automatic.
  • Rental/loss-of-use, replacement-cost/waiver-of-depreciation, usage-based, rideshare and EV-specific options are not clearly detailed on the current public product page; confirm them with the broker before adding them to the article.

Read More: What Coverage Options Are Available to Ontario Drivers

Pembridge Discount Questions to Ask Your Broker

Products and discounts vary by province within the region, so please confirm eligibility for specific discounts with your broker. Discounts may include:

– Multi-vehicle
– Multi-line
– Mature-driver
– Retiree
– Graduated-licensing
– Education
– Renewal savings
– etc.

What to Do After a Loss With Pembridge

How to file

Losses may be reported to your broker. Pembridge’s regional 24/7 Claims Promise Line, Ontario: 1-800-387-0462 or 905-477-5550. Alternatively, please report your auto-claim using Pembridge’s online form.

What you need

To file a claim online you’ll need to provide the following information: policy number, insured’s and operator’s contact information, vehicle’s year, make, model, date of loss, type of occurrence, vehicle’s damage, an explanation of the accident, and any injury information.

Your adjuster may require additional information to process your claim including police/witness reports, photos of the accident, repair information, etc.

Email

You can contact them at anytime 24/7

Contact by phone

File a claim by visiting the Pembridge website

Website

File a claim by visiting the Pembridge website

About Pembridge Car Insurance

Pembridge Insurance Company was established in 1999 and provides home and automobile insurance through select independent brokers. It is backed by Allstate Insurance Company of Canada.

Pembridge prides itself on being a community-centered insurance provider that retains lifelong customers. Pembridge donates to charities such as Operation Red Nose, Women in Insurance Cancer Crusade and the Easter Seals campaign.

Pembridge’s consumer materials and regional claims lines cover Ontario, Alberta, New Brunswick, Nova Scotia and Quebec. Product and coverage availability vary by province, so confirm eligibility with an independent broker.

Pembridge Reviews Beside Other Ontario Insurers

Insurance
Provider
Company’s
Online Rating
Pembridge1.7/5
Echelon2.1/5
Esurance1.3/5
Geico2.5/5
Travelers1.4/5
Source: Google Reviews, Trustpilot

Pembridge Car Insurance Pros & Cons

Pembridge reviews can be found online, detailing positive and critical aspects of Pembridge that should be considered by customers looking into purchasing their next car insurance.

ProsCons
Competitive RatesSlow Claims Processing
Mediocre Customer Service
Frequent Rate Increases

What Other Insurance Products Does Pembridge Offer?

Pembridge is very focused on the Auto, Property, and Recreational Insurance lines. Although Pembridge’s Property and Recreational coverage can seem narrower than competitor plans at first, Pembridge coverage can insure more vehicles and properties than you might imagine.

Pembridge offers Comprehensive, Broad Form, and Named Peril Coverage property insurance. Pembridge insures homes, condos, tenants, seasonal properties, rental properties and boats.

Pembridge’s recreational insurance can cover motor homes, cabins, home trailers, tent trailers, motorcycles, snowmobiles and ATVs, subject to the policy.

With over a decade in Canada’s insurance sector, Aren is a leading voice in the industry, providing thought leadership on auto insurance, underwriting innovation, and how technology is reshaping insurance.

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