Pembridge Insurance Company

STAY AWAY FROM THIS INSURER!!!!! I'd give them zero stars if that was possible but unfortunately 1 is the minimum. I can't believe how bad is their customer service after taking literally thousands of dollars of nothing. Been with them for over 2 years, never had a claim. I had to leave Canada and need insurance for 2 more weeks. They charged me for the whole month. And when I asked them for a no claim letter, they replied to me that there's 70$ outstanding premium which the didnt inform me about before. After sending them 3 emails and getting the same responses explaining nothing, somebody finally told me that there was a hidden charges. And still didnt get my no claim letter.

I made a home claim three weeks ago because of a fire. The adjuster came in and encouraged us to stay in our camping trailer (2 teens, two adults, two dogs and a cat) instead of a hotel. He suggested since we had a lot of knick knacks that we do the cleaning because their value was less than what it would cost to pay the clean up crew to clean. The adjuster also suggested it was a good time to purge things we didnt use often (instead of claiming the items as a loss) They would not have a dumpster delivered for the demolition, the clean up crew had to pack their truck full of the debris before leaving every day. It was also suggested we bring our clothing to the laundromat and clean the smoke smell off them ourselves. Our jackets, sweaters and shoes were taken by a dry cleaning company while we were at a neighbours showering on a Friday so we had to go out and buy new shoes and jackets (average temp outside was -5C) over the weekend so kids had something to wear to school. The adjuster suggested it was a unnecessary purchase we should have spoken to him about first. The adjuster also suggested our expenses associated with living in the camping trailer ( disposable dishes, ready made food cuz we had no stove, propane for heat etc.) were not expenses associated with the fire, but regular every day costs of living not covered by the insurance company. This "cheaping out" at their client's expense is disgusting, especially for a company connected to Allstate. It's been three weeks into my claim, I have heard from my adjuster once since our first meeting. We have been treated like a huge inconvenience.

To top it off, on renewal, my premium went up 400.00 a year because there were a lot of flooding claims in our area. We were also penalized because I called Pembridge instead of my broker to ask what my deductible was should I need to make a claim. That call was marked on my record as a claim.

My past experience with another company was great compared to this. The adjuster then came in, told us we had nothing to worry about because they had everything covered, PLUS they reimbursed all my expenses no questions asked. I changed to Pembridge because they were the least expensive quote. I strongly regret that decision now that I am a huge inconvenience and nuisance to them because I have to actually file a claim. I am heartbroken and extremely stressed that I am going to have to fight to get any of what I am genuinely owed.

I was quoted for 4555$ for 2 vehicle,so under 400$ monthly...and they charged 795$!!!after 2 months tried to get a hold of them and my broker...nothing...this was in September ...we are in April and got the answer that there was a misunderstanding and they apologise...and that is it ...I guess I have to accept their apology and be happy for paying 4000$...in 5 months...
I am in tears!!!Never felt so betrayed!!!
Ps.i just got the pink cards in the email...

Trust me, no-fault insurance in Ontario. The PEMBRIDGE insurance company will not stand from the client side. The adjuster goal is to use the least amount of money to settle the claim. I was involved in an accident. I am the listed driver in the policy but not the policyholder. I got rear-ended. At first, the insurance said because of lane change you caused the accident. you have to pay the deductible. (The repair is less than the deductible). Then I didn't agree on that since the accident happened after the lane change. It was a rear ended accident. The insurance sends me to special investigation. After that, claim manager spoke to me and policyholder. Your car can be covered by the insurance company because of policyholder but we are going to sue the listed driver. They believe that is intentionally caused the accident. Therefore, the insurance company doesn't cover any of damages and loss.

Based on what I see here, they are finding the different reason to charge you at fault so that they can pay out less. Also, they did not follow the Ontario Fault determination rule to determine the fault.

We are going to Ombudsman to get help. Asking General Insurance Ontario (GIO) for help.

I am very disappointed that being a client with Pembridge insurance then the insurance is file lawsuit to their client.

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Very slow insurance services for accident reimbursement. Ex. Towing cost from the accident location to reporting center, and reporting center to repair body shop. Also, the replacement parts are not all from OEM. Some from after market and some from OEM. I emailed more than 3 times and left 2 voicemail to ask to call back from pem bridge. Never received a call nack or email.

Need to keep follow up with insurance company. Went to their office couple time. Then they will solve the problem for you.

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Switched to Johnson insurance. Better rate and price. My friend had a claim, processed super fast.
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Absolutely worst adjuster and claim manager. Got rear ended. Simple situation straight rear ended accident, could use Fault Determination Rules (FDRs) under Ontario Insurance Act. The insurance company is making us with complex procedure and claim process. We are going through Claim Adjuster -> Property Claim manager -> Field Investigator (I am here now)-> All-state ombudsman -> General Insurance Ontario (GIO) -> Court with lawyer.

Quoted around $3500 for 2 cars. My payment was supposed to be around $300 a month. So my first payment came $444 and from $3500 they raised it to $4000. I think that is not fair for people with limited income to deal with this type of game. VERY DISAPOINTED

the worst customer service I ever had with insurance companies

good price on my home insurance.