PEMBRIDGE AUTO INSURANCE REVIEW
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Pembridge Brings Allstate’s Reputation To The Canadian Market
Pembridge is one of Canada’s newest insurance providers with the company forming in 1999. However, Pembridge is actually a subsidiary of Allstate insurance which already have years of experience in the Canadian auto insurance market.
Pembridge prides itself on being a community centered insurance provider that focuses on retaining lifelong customers. Pembridge donates to several charities such as Operation Red Nose, Women in Insurance Cancer Crusade and the Easter Seals campaign.
The company provides auto insurance in five Provinces including Ontario, Alberta, New Brunswick, Nova Scotia and Quebec.
What Value Can Be Found In A Standard Pembridge Auto Insurance Policy?
Pembridge offers standard insurance that will cover customers from:
- Personal Harm
- Uninsured drivers
Liability covers damage done to the other, in an accident, while protecting you from legal repercussions.
Personal harm coverage covers your medical bills, lost income, and long term expenses following an accident.
Uninsured drivers coverage protects you in the event of a hit-and-run or an accident with a driver who does not have insurance.
Direct Compensation Coverage
Direct compensation coverage will cover the cost of repairing your vehicle and replacing property in the vehicle. Direct compensation coverage only covers you if you are found not-at-fault or partially at-fault. Customers can secure optional coverage that will cover them if they are found at-fault.
Direct compensation coverage is only offered on a standard policy in regions where it is required by law such as Ontario, Nova Scotia, and New Brunswick.
Optional Pembridge Insurance Features
Pembridge offers optional insurance similar to other providers. This can include comprehensive and total auto insurance that will cover major repairs and risks such as theft and vandalism.
You can speak with your Pembridge insurance broker to see what forms of optional insurance are available to you, some common extras drivers consider are:
Collision coverage will cover the cost of repairing or replacing your vehicle from damage as the result of a car crash.
Comprehensive coverage covers offers the highest level of protection with it protecting you from such things as theft and vandalism. There are two different forms of comprehensive coverage including:
- Named Peril
- All Peril
Named peril coverage will cover you from risks specifically mentioned in the policy with it not covering you from other risks. A named peril policy may cover you from things such as theft, fires, and major repairs.
All peril coverage will protect you from risks that are not specifically mentioned in the policy. An all peril policy offers an extremely high level of protection.
Loss Of Use
Loss of use will cover you if you are not able to use your vehicle by reimbursing you for the use of a rental vehicle. A loss of use feature can help you avoid major bills following an accident.
Damage To A Non-Owned Vehicle
Damage to a non-owned vehicle feature protects you from responsible for damage to a vehicle that you do not own such as rental vehicle or a car you borrowed. This feature is very desirable for people who frequently use a rental car.
Waiver Of Depreciation
A waiver of depreciation policy ignores regular deprecation to your vehicle. The feature means you can receive compensation for the full value of your vehicle with it being a good way to avoid major bills following a crash.
How To Save With A Discount From Pembridge
A good way to save on money is by seeing if your insurance provider can give you a discount. You can speak with your Pembridge agent to see if you qualify for one. Generally, an insurance broker will give you a discount for being a college graduate, bundling your home and auto insurance policies, and if you do certain things to make your car safe such as using winter tires.
My Bridge App
Pembridge will also give a discount by installing the My_Bridge app. The app tracks driving habits to see if you are a safe driver.
Drivers can get a discount of five to ten percent just for signing up for the My_Bridge program, it is worth clarifying this amount with your Pembridge broker when you sign up. You can get even higher discounts for having good driving habits while using the app.
Save By Paying In A Lump Sum
Pembridge will give you a discount if you pay your insurance in a lump sum rather than in the form of monthly installments. This is a simple way to save on your insurance premiums.
Controversy Surrounding Pembridge
Pembridge has had a difficult time adjusting to the Canadian insurance market. The Province of New Brunswick investigated Pembridge in 2011 concerning above average insurance rates.
Ultimately, the investigation did not go anywhere and Pembridge has since tried to keep its rates comparable to other providers.
How To Submit A Claim With Pembridge
Pembridge customers can submit a claim over the phone. Their promise line numbers are broken down below.
Customers can also submit a claim through their website by entering in information such as how the damage occurred and if anyone was injured. Pembridge will then contact you to complete the claims process.
Claims Experience Guarantee
Pembridge offers a claims guarantee in order to ensure customer satisfaction with them offering refunds to unhappy customers. Pembridge will work with their customers to ensure that their claim is completed even if they choose to stop being a Pembridge customer.
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