Perth 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

Perth Insurance Review

Since 1968, Perth Insurance, a subsidiary of the Economical Insurance Group, has stood out as one of Canada’s premier providers of non-standard insurance coverage, catering to special-risk drivers and property owners across most of the country, including Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, and Yukon. Perth Insurance is the go-to for individuals facing challenges securing standard auto insurance due to multiple claims, accidents or periods of lapsed coverage. Recognizing the unique needs of high-risk drivers, including those with multiple driving convictions or those who have experienced policy cancellations, Perth offers tailored insurance solutions to help these individuals rebuild their driving records and transition back to traditional insurance policies.

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

  • Accessible insurance for drivers with complex driving records, including multiple claims, traffic infractions, and DUI offences.
  • Coverage for a diverse selection of vehicles, including commercial ones and motorcycles.
  • Around-the-clock claims assistance ensures support is always available when required.

Unlike traditional insurers that employ internal agents, Perth Insurance leverages a network of trusted brokers to deliver its customizable insurance products, ensuring that even those deemed high-risk have access to competitive and adequate coverage.

A Brief Company History

Founded 1863 in Stratford, Ontario, as a mutual insurance provider, Perth Insurance underwent a significant transformation in 1968, converting into a stock company before being acquired by Economical Insurance. This acquisition marked the beginning of Economical’s strategy to expand into niche markets during the 1990s, positioning Perth Insurance as a specialist in offering high-quality auto insurance to high-risk drivers. Catering to individuals with a history of multiple accidents, claims, serious convictions, policy cancellations, or gaps in coverage, Perth Insurance has established itself as a key provider for those who struggle to secure insurance through traditional channels. By focusing on this unique segment, Perth plays a crucial role in assisting high-risk drivers to rehabilitate their driving records and transition back to standard insurance solutions.

Why Choose Perth Car Insurance

Perth Insurance offers tailored solutions for high-risk drivers in Ontario, Nova Scotia, New Brunswick, and many other provinces. Recognizing the challenges faced by individuals considered high risk due to past claims, accidents, or other factors, Perth Insurance fills the gap with comprehensive and affordable coverage options.

Perth Insurance’s approach simplifies the process for high-risk individuals to secure the necessary coverage, ensuring they can access industry-standard protections and additional safeguards tailored to their unique circumstances.

High-Risk Insurance

Perth offers some of the best car insurance for high-risk drivers who have difficulty finding coverage with other insurance providers.

Adaptable Monthly Premiums

Offers monthly premiums that can be adjusted to fit your budget, eliminating concerns about late fees and interest.

Efficient 24/7 Claims Processing

Perth expedites the repair process by directly engaging with approved repair shops or contractors, with all claims managed by Economical.

Competitive Insurance Rates

Access to affordable auto and home insurance rates tailored to your unique situation.

Trusted Partner Program

Perth’s network of approved contractors and repair shops ensures high-quality repairs with a lifetime guarantee on body, parts, and paint repairs for as long as you own the vehicle.

Pros and Cons of Buying Perth Car Insurance

Exploring the offerings of Perth Insurance, we uncover a focused approach to providing insurance solutions for those deemed high-risk. This overview of the advantages and challenges of selecting Perth for your insurance needs offers a clear perspective on how Perth caters to individuals with unique circumstances. Such insight is invaluable for understanding how Perth Insurance can meet the specific requirements of drivers looking for specialized coverage.

  1. Claims Managed by Economical: Economical efficiently handles your insurance claims.
  2. Affordable Insurance Rates: Enjoy competitive auto insurance rates that are customized to meet your specific needs.
  3. Easy Switch for Economical Customers: If you’re already with Economical, transitioning to Perth for your insurance is straightforward.
  4. Quality Repairs Guaranteed: Perth’s network of vetted contractors and repair shops guarantees top-notch repairs, offering a lifetime warranty on body, parts, and paint repairs for the duration of your vehicle ownership.
  5. Quick Claims Process Around the Clock: Perth streamlines the repair process by immediately coordinating with approved repair facilities, with Economical overseeing all claims.
  6. Flexible Payment Options: Monthly premium payments are tailored to your financial situation, helping you avoid late fees and interest.
  1. Broker-Dependent Policies: Access to policies from Perth is limited to arrangements made through licensed and experienced brokers.

Perth Auto Insurance Discounts

Policyholders can save on auto insurance premiums through discounts offered by Perth:

Clean Driving Record Discount

Benefit from reduced premiums by keeping your driving record free of convictions and claims.

Multi-Vehicle Discount

Receive discounts when you insure more than one vehicle on the same policy.

Retiree Discount

Special rate reductions for retirees or individuals over the age of 50.

Bundling Discount

Enjoy savings when you bundle your auto and home insurance policies together.

Additional Insurance Services Provided by Perth

Beyond regular car insurance for high-risk drivers, Perth also has services like homeowners insurance and auto insurance for non-standard vehicles.

For those whose owned home is not their primary residence, who own multiple properties, or who reside in historic homes, standard homeowners insurance might not suffice. Perth Insurance provides competitively priced insurance for high-risk homeowners facing unique circumstances, with coverage for:

  • Home-based businesses
  • Additional living expenses in case of displacement
  • Comprehensive property, contents, and liability coverage
  • Protection against identity theft
  • Coverage for sheds, barns, and other detached structures

 Note that this service is available to Ontario residents only.

This option is available to those in Ontario, Nova Scotia, and New Brunswick. Perth Insurance makes obtaining affordable high-risk auto insurance possible, catering to those with less-than-perfect driving records or hard-to-insure vehicles. Coverage extends to a variety of vehicles, including:

  • Cars, vans, trucks, and SUVs
  • Motorcycles and mopeds
  • ATVs and snowmobiles
  • Antique and collector vehicles
  • Campers and motorhomes

How To Submit A Claim With Perth Insurance

Perth Insurance customers can file a claim through their insurance hotline or the Economic website, Perth’s parent company.

Contact by email

You can contact them at anytime 24/7

Website

Feel free to contact the team by phone

Website

File a claim by visiting the Perth (Economical) website

Commonly Asked Questions About Perth Insurance

How Do I Know if I am a High-Risk Driver?

Several factors will make you a high-risk driver, but ultimately, the status of being a high-risk customer is something determined by individual insurance agencies. A driver can fall into the category of being a high-risk driver if they have multiple driving convictions, such as impaired driving charges. Having their license suspended, having a previous insurance provider cancel their policy, and being involved in multiple car crashes are all signs of being a high-risk driver.

How Long Until I Become a Low-Risk Driver?

Your driving record is publicly available for three years. In addition, an insurance provider may ask you about your claims history for five or seven years, depending on the company.

Generally, your risk status will drop once you stop receiving tickets or filing claims. You should check with your insurance provider annually to see if you can get lower rates.

Is There a Perth Insurance App?

Currently, Perth Insurance does not offer a mobile application.

Does Perth Car Insurance Provide Ridesharing Coverage?

At this moment, Perth Insurance does not offer coverage for ridesharing.

In Which Regions is Perth Insurance Available?

Perth Insurance offers coverage and products in Nova Scotia, New Brunswick, and Ontario.

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