Allstate Insurance Company of Canada

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The Allstate Insurance Company of Canada has been delivering insurance coverage products to Canadians since 1953. The company has built its reputation around its “good hands” advertising campaign that offers peace of mind in all areas of insurance.

Company Overview

Allstate Canada’s parent company, The Allstate Corporation was founded in 1931, and is the second largest personal lines insurer in the US. Over the years, Allstate Canada has expanded its coverage options and continues to develop lists of discounts that help lower insurance premiums.

Canadians turn to Allstate for:

• Access to specialty products such as group insurance to help keep costs down
• A large list of discount options for important coverage products such as car and property insurance
• A website that acts as a comprehensive online resource to make understanding insurance easier
• A company that works closely with its brokers to develop custom insurance solutions

Allstate Canada is known for its diverse underwriting staff that is able to write policies for any situation. The compamy relies heavily on its network of brokers to help deliver quality solutions to all of its customers.

Allstate Canada’s Advantages

There are many advantages to doing business with a company that is part of an international corporation. In Ontario, Allstate Canada is a comprehensive auto and home insurance company able to offer a wide variety of coverage options. One of the reasons that people like doing business with Allstate Canada is the company’s ability to leverage its significant financial resources to the benefit of each individual client. The strengths of the company include:

• Truth in Advertising – Despite its status as one of the larger insurance companies in Canada, Allstate Canada does have the customer service recognition accolades to show that it cares about its clients. The “good hands” policy of caring for each and every client permeates everything the company does, and brings customers peace of mind.
• Discounts – Allstate Canada has developed an impressive array of discount programs for almost every type of insurance the company sells. While the auto and home insurance programs are the best known, the company also has discounts for boating insurance customers as well. Customers can talk to their broker about benefiting from one or more of the many cost-saving benefits offered through Allstate Canada.
• Transparency – Allstate Canada is one of the few insurance companies to offer comprehensive complaint resolution options to clients for any situation. The company’s website offers all of the phone numbers customers would need to resolve issues, even allowing customers to reach as high as the Ombudsman. The company also makes sure that its terms of service page on its website is accessible to customers, easy to read (no small print), and easy to understand.

Allstate Canada’s Insurance Products

Allstate Canada focuses on consumer products and does not offer much in the way of commercial coverage. Personal lines customers can easily find coverage that meets their needs.

Auto Insurance

The company is known for its broad range of auto insurance products that apply to just about any kind of vehicle. The vehicles covered are:

• Cars
• Trucks
• Vans
• Motorcycles
• Off-road vehicles
• Motor homes

The impressive list of auto insurance discounts includes:

• Bundling coverage
• Multi-vehicle
• Discounts for allowing Allstate to track your driving habits
• Group auto insurance
• Anti-theft
• Discount for having your own private parking spot
• Winter tires
• Good grades for students
• Retirees
• Students away from home
• Driver training courses

Allstate Auto Insurance Rate Changes, 2010 – Present (What’s this?)

Property Insurance

Allstate Canada will cover your residence, or temporary residence, with a variety of coverage options and the usual array of discounts.

• Home
• Condo
• Tenant insurance
• Rental property insurance
• Seasonal home insurance

Some of the property coverage discounts are:

• Discounts for newer homes
• Installation of security systems
• Retiree
• No claims for at least one calendar year
• Discount for not having a mortgage

Boating Insurance

Allstate Canada will cover your boat or any other kind of watercraft, along with accessories such as trailers, to make sure that the summer fun keeps going. Coverage options include:

• Liability insurance
• Uninsured boater insurance
• Medical expense coverage
• Payment for emergency services such as towing
• Coverage for risks such as fire, explosion, damage while in transit, and theft

The boating discounts are:

• Installation of safety features such as fire extinguishers
• Bundling coverage with other insurance policies

Life and Health Insurance

Allstate Canada has the products you need to protect your family’s physical and financial health. Coverage options include:

• Term, permanent, and universal life
• Disability insurance
• Critical illness coverage
• Personal health insurance
• Long-term care

Travel Insurance

If you are planning on traveling for business or holiday, then talk to your broker about the many insurance options from Allstate Canada. Types of coverage plans include:

• Multi-trip coverage for several trips in one year
• Coverage for one trip per year
• Insurance for visitors coming into Canada
• Trip cancellation protection

Allstate Reviews

Rating: 1
1 /5 stars

• Savings
  User: 10%
• Application Process
  User: 20%
• Claims Process
  User: 0%
• Rate stability
  User: 10%
• Document delivery
  User: 10%

They trick you to get you signed

Franklin Puello on 2018-12-10 18:04:47

Recently I changed from another insurance provider to Allstate, where they were supposed to offer me a better premium for my auto and home insurance. After discussing with the agent the best options to match and improve what I had with my previous insurance company, we came up to an agreement and I signed a contract for one year. The monthly premium for the auto was $232 and for the home $51. At the time of contract signature, I had to pay first and last month, both for home and auto. After the first month, the automatic debit came up with $253 and $53. When I contacted the customer service rep to find out why the difference, he just told me that the underwriter changed the policy and that there is nothing he can do about it. I also asked about the difference in the home premium and just mentioned that there is a 4% fee for setting up the policy. It is not the difference of $2 in the monthly premium what makes me upset, but the lack of transparency not disclosing hidden fees. I don't like surprises. Now with these increases, I am paying more than I was paying with the previous insurance company. I am very disappointed with this company as they do not honour the agreed contract, but also do not disclose hidden fees. I would not recommend Allstate to anyone and will move away from them forever as soon as I can, without having to pay a penalty. If they trick and lie to you at the time of signing you as a new customer, I don't want to imagine what it will take to make a claim. If you can, look at other options in the market before signing up with Allstate.

Mitchell & Whale Team on 2018-12-12 17:09:57

This is frustrating to hear about and certainly does suck. I don't actually see a lot of the fault with Allstate in this story as much as your agent that abandoned you with a poor answer when things went wrong. In my books you should have at least been able to cancel and leave pro-rata if the rate came in differently.

It can always be explained; there's a reason. It could be the agent calculated wrong or something else, but tossing their hands up in the air is sucky. Have a read about the findamental difference between buying direct from agents of the company vs a broker that works for you to navigate the market, not for the insurance company as in your case.

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Rating: 0.5
0.5 /5 stars

• Savings
  User: 10%
• Application Process
  User: 10%
• Claims Process
  User: 10%
• Rate stability
  User: 10%
• Document delivery
  User: 10%

BEWARE!

MP on 2018-09-21 22:02:36

Worst company ever, we put a claim in first one, and they dropped us like a hot potato, did not give us a reason, and left us high and dry without any insurance for the house. Just rude, rude, unprofessional company. Stay away from them.

Mitchell & Whale Team on 2018-12-13 13:09:34

Another good reason to consider a broker over dealing directly with a company where you have no leverage or options. Read more about that here.

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Rating: 1
1 /5 stars

• Savings
  User: 10%
• Application Process
  User: 10%
• Claims Process
  User: 0%
• Rate stability
  User: 10%
• Document delivery
  User: 40%

Expensive mistake

Anon on 2018-07-22 01:17:20

I have 0 claims 0 violation, but the very first year after signing on, I get hit with a 40% rate increase. Ya, thanks.

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