Wawanesa Car Insurance Review

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

Updated on March 12, 2024

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

Updated March 12, 2024

Visit author page

7 minute read

Article Contents

Wawanesa Insurance Review

Wawanesa Insurance recognizes the individuality of each driver, tailoring auto insurance policies to meet the specific needs of its policyholders. This customization considers various factors, including driving records, the number of household drivers, and more, offering a range of discounts such as Anti-theft, Away at School, Loyalty/Renewal, and Multi-Vehicle, among others. As one of Canada’s largest property and casualty insurers, Wawanesa has established a reputation for a comprehensive list of discounts and special packages, making auto insurance straightforward and personalized.

Operating across Canada through a vast network of independent brokers—and directly in Quebec—Wawanesa also serves customers in California and Oregon, USA, and is known for significant savings on car and motorcycle insurance. In Ontario, Wawanesa recently introduced a discount offering 50% savings on motorcycle insurance when bundled with home and auto coverage, alongside other discount bundles, reinforcing its popularity across Canada for home, auto, and commercial insurance solutions.

Wawanesa stands out for its commitment to catering to diverse customer needs with specific discounts for retirees, loyal customers, students, and multi-package purchasers. With a legacy of trust since 1896 and an A (Excellent) rating from A.M. Best, Wawanesa Insurance is celebrated for its stability and reliability.

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

  • A broad range of cost-saving opportunities and discounts.
  • High quality of repairs from company-endorsed auto repair shops.
  • Affordable insurance premiums with various payment plans.
  • Assistance is available 24/7 and ready to help at any hour.

As the largest P&C insurance provider in Canada, Wawanesa sells its products through reputable brokers, ensuring coverage for home, auto, farm, and business insurance needs for over two million policyholders in North America.

A Brief Company History

Established in the late 19th century in Wawanesa, Manitoba, Wawanesa Mutual Insurance Co has grown from a farmers’ mutual insurance carrier into a premier auto insurer known for its steadfast service and reliability. Now headquartered in Winnipeg, the company serves policyholders across Canada, offering a rich history of property and casualty coverage since its inception in 1896. Founders Alonzo Fowler Kempton and Charles Kerr initiated the company to assist settlers of the western plains, who struggled with harsh weather conditions, prairie fires, and high transportation costs, by providing affordable insurance solutions.

Over the years, Wawanesa Insurance has expanded its offerings to include a variety of policyholder-specific packages and discounts, catering to retirees, loyal customers, and those seeking multi-package deals. The company’s reach has extended into the United States, providing coverage for individuals, farms, and businesses. Beyond its insurance services, Wawanesa is committed to making a significant impact through charitable efforts, supporting around 400 charities annually. In celebration of its 125th anniversary, the company has pledged $700,000 to local community organizations in Canada and the United States, adding to the $3.5 million already committed to community partners in 2021, showcasing its dedication to giving back to the communities it serves.

Why Choose Wawanesa Car Insurance

Wawanesa stands out not merely as a competent insurer but as one of the premier insurance providers nationwide. The benefits of partnering with Wawanesa Insurance are readily apparent, drawing in new customers consistently thanks to the exceptional value and specialized underwriting skills it brings to the table. These capabilities enable Wawanesa to craft tailored solutions for personal and commercial clientele. Key highlights of engaging with Wawanesa Insurance encompass:

Claims Service Guarantee

Wawanesa Insurance stands behind the quality of the contractors or repair shops they recommend, offering customers peace of mind by guaranteeing the workmanship of repairs made through their claims service. This commitment ensures that policyholders receive the highest standard of service and repairs.

Exceptional Customer Service

With a foundational mission to “Earn your trust since 1896,” Wawanesa has built a reputation for outstanding customer service. This dedication to meeting and exceeding customer expectations is a cornerstone of their business, reflecting their commitment to reliability and trustworthiness.

Diverse Product Range

Catering to various insurance needs, Wawanesa offers an extensive range of products, including residential, auto, life, commercial, and farm coverage policies. This diversity ensures customers can find tailored solutions under one roof to meet their unique insurance requirements.

Automotive Discounts

Wawanesa rewards policyholders with discounts for anti-theft devices, driving experience, loyalty, and more, making insurance more affordable for responsible drivers and loyal customers.

Simplified Insurance Processes

Renowned for streamlining the insurance process, Wawanesa makes it easy for brokers to administer policies and for consumers to purchase insurance. This focus on simplicity and a commitment to quality ensures a positive experience for all parties involved.

Established History

Founded in 1896 in Wawanesa, Manitoba, and now standing as Canada’s largest Property and Casualty insurance company, this organization has evolved from a modest operation into a global powerhouse. With nearly 6,000 employees, it continues to uphold its dedication to excellence and innovation in the insurance sector.

Pros and Cons of Buying Wawanesa Car Insurance

Exploring the details of Wawanesa Car Insurance, we uncover a combination of cutting-edge features and effective solutions tailored for today’s motorists. Here’s a summary of the advantages, disadvantages, and other factors to consider when selecting Wawanesa for your car insurance needs. This analysis assesses how closely Wawanesa matches your insurance expectations and priorities.

  1. Claims Service Guarantee: Assurance of recommended contractors’ workmanship or repair shops’ workmanship.
  2. Exceptional Customer Service: A long-standing commitment to earning customer trust since 1896.
  3. Diverse Product Range: Offers various insurance solutions, including residential, auto, life, commercial, and farm policies.
  4. Corporate Social Responsibility: Active partnership with non-profits and charities across all regions of operation.
  5. New Vehicle Protection: Coverage for depreciation if a new model vehicle is totalled.
  6. Transportation Replacement: Provides rental car coverage if your vehicle is inoperable post-accident.
  7. Automotive Discounts: Offers numerous discounts, including anti-theft, loyalty, multi-vehicle, and more.
  8. Community Engagement: A corporate policy ensuring active participation in Canadian communities.
  9. Simplified Insurance Processes: Known for easy insurance administration for brokers and straightforward purchasing for consumers.
  10. Established History: The largest Property and Casualty insurance company in Canada since its inception in 1896.
  11. Company Values and Purpose: Committed to quality customer service, inclusivity, and supporting Canadian communities.
  1. No Online Application: Insurance applications must be manually filled out and emailed, potentially inconvenient for those short on time.
  2. Limited Broker Availability: Not widely offered by many insurance brokers.

Wawanesa Auto Insurance Discounts

If you qualify, the following car insurance discounts from Wawanesa are your way to save on your car insurance:

Loyalty Discount

Eligible after holding a policy for over a year.

Anti-Theft Device Discount

Savings for installing factory or aftermarket anti-theft systems.

Bundle Discounts

Reduced rates for combining home and auto insurance.

Good Driver Discount

Incentives are provided for drivers who maintain a clean record and have no history of claims.

Mature Driver Discount

Special rates for drivers over 50.

Multi-Vehicle Discount

Savings when insuring multiple vehicles.

Renewal Discount

Discounts upon policy renewal.

Driver’s Education Discount

Savings for completing a driver’s education course.

Farm Discount

Special rates for vehicles insured on farm properties.

Away at School Discount

For students living away from home.

Minor Conviction-Free Discount

For drivers with a clean minor conviction record.

Preferred Motorcycle Discount

Special rates for motorcycle insurance.

Recreational Vehicle Discount

Discounts for insuring recreational vehicles.

Wawanesa Insurance App

The Drive Change program by Wawanesa Insurance is a telematics-based initiative designed to promote and reward safe driving. Monitoring your driving behaviours through an app and scoring each journey allows you to earn discounts on your insurance premiums and accumulate reward points, encouraging safer driving practices. Activation of this app requires a Wawanesa auto insurance policy and a specific code, which can be obtained from your Wawanesa broker.

Ease and Convenience

Understanding the increasing reliance on technology, Wawanesa has developed a comprehensive mobile app available for download on major operating systems, including Android and iOS. The Wawanesa Mobile app enhances the convenience of accessing insurance services on the move.

Key Features

Key features include reporting accidents, theft, or damage, retrieving proof of insurance, documenting important details through photos and audio recordings, finding nearby roadside assistance, and contacting customer support directly. The app also includes GPS functionality for location mapping, ensuring you can report incidents and navigate services efficiently in real time.

While the app facilitates immediate reporting and information capture, formal claims submissions and emergency communications are directed through Wawanesa’s phone lines or online claims submission portal, available 24/7 for policyholders’ convenience.

Additional Insurance Services Provided by Wawanesa

Wawanesa understands that different people have distinct needs. The company offers bespoke services to meet your unique demands. Policies in the company are quite flexible in terms of variety, time, coverage and cost. It prides itself on customized discounts that reward policyholders across different categories, including loyal customers, multi-insurance buyers, and retirees.

Having reached this far, Wawanesa acknowledges honesty and dependable services. These virtues have earned it its trust and brand name, which have seen the company make its way among the best service providers, as evidenced by the ‘A’ rating from A.M. Best. Some of their insurance products you’ll enjoy include:

Wawanesa Insurance delivers an extensive selection of insurance solutions designed to accommodate the varied requirements of its customers. Their home insurance plans include Basic, Broad, and Special, catering to various coverage needs, from common events like water damage and theft to more specific structures and belongings.

 Home Insurance Discounts:

  • Multi-Product Discount: Savings for bundling property and vehicle insurance.
  • Roof Quality Discount: Reduced rates for recent roof repairs or upgrades.
  • Water Loss Prevention Discount: Discounts for installing sump pumps or mainline backflow valves.

Protects personal belongings, unit improvements, and shared property responsibilities. Offers similar optional coverages as home insurance.

Covers liability, personal items, unit upgrades, and living expenses for covered events. Optional add-ons are available.

Wawanesa Life offers both temporary and permanent life insurance policies, including critical illness coverage.

Tailored coverage for farm inputs, animals, machinery, barns, equipment, building contents, livestock, feed, and grain.

Commercial Business Insurance from Wawanesa caters to small to medium-sized businesses, providing loss of income, property, business contents, liability coverage, and specialized policies for various industries, including automotive repair shops, restaurants, and construction companies.

Wawanesa also introduces innovative programs like the PAW (Pet Accident Wording Supplement), offering supplementary insurance for pets to cover losses due to car accidents, ensuring comprehensive protection for every aspect of their client’s lives.

Wawanesa’s range of insurance products is designed to meet the diverse needs of property owners, renters, and businesses, providing comprehensive coverage and peace of mind.

How To Submit A Claim With Wawanesa Insurance

Several convenient options are available to initiate a claim with Wawanesa Insurance to ensure a smooth and efficient process.

Email

You can contact them at anytime 24/7

Contact by phone

Feel free to contact the team by phone

Website

File a claim by visiting the Wawanesa website

Commonly Asked Questions About Wawanesa Insurance

What types of insurance are available through Wawanesa?

The company provides a variety of insurance options, such as auto, home, farm, and business insurance, catering to a broad spectrum of insurance needs.

Are there flexible payment options available with Wawanesa?

Yes, Wawanesa provides several payment methods to suit different needs, including monthly automatic payments, online payments via credit card, direct payments from your bank account, mailing a cheque, and payment installments.

Will I be charged a penalty for canceling my Wawanesa insurance policy early?

Cancelling your policy early may result in a cancellation fee. For more details or to proceed with cancellation, please contact Wawanesa directly.

How can I cancel my insurance policy with Wawanesa?

Contact your broker for guidance and assistance to discuss policy renewal or cancellation for your auto or home insurance.

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