Pembridge Car Insurance Review

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

Updated on March 14, 2025

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

Updated on March 14, 2025

Visit author page

3 minute read

Article Contents

This page is for informational purposes only. MyChoice is not affiliated with this company.

About Pembridge Car Insurance

Pembridge is one of Canada’s newest insurance providers, formed in 1999. However, Pembridge is a subsidiary of Allstate Insurance, which already has years of experience in the Canadian auto insurance market.

Pembridge prides itself on being a community-centered insurance provider that retains lifelong customers. Pembridge donates to charities such as Operation Red Nose, Women in Insurance Cancer Crusade and the Easter Seals campaign.

The company provides auto insurance in five provinces: Ontario, Alberta, New Brunswick, Nova Scotia and Quebec.

How Pembridge’s Customer Reviews Compare to Other Insurance Companies

Insurance
Provider		Company’s
Online Rating
Pembridge1.7/5
Perth1.2/5
Esurance1.4/5
Geico1.3/5
Travelers2.1/5
Source: Google Reviews, Trustpilot

Pembridge Car Insurance Pros & Cons

Below are some of the main pros and cons of getting car insurance with Pembridge. These are based on the company’s online reviews.

ProsCons
Competitive RatesSlow Claims Processing
Mediocre Customer Service
Frequent Rate Increases

What is Included In A Standard Pembridge Auto Insurance Policy?

Pembridge offers standard insurance that will cover customers from:

  • Liability
  • Personal Harm
  • Uninsured drivers

Liabilty

Liability covers damage done to the other in an accident while protecting you from legal repercussions.

Personal Harm

Personal harm coverage covers your medical bills, lost income, and long-term expenses following an accident.

Uninsured Drivers

Uninsured driver coverage protects you in the event of a hit-and-run or 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.

What Are Optional Pembridge Car Insurance Options?

Pembridge offers optional insurance similar to other providers. This can include comprehensive auto insurance covering 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 repairing or replacing your vehicle from damage due to a car crash.

Comprehensive coverage offers the highest level of protection, protecting you from theft and vandalism. There are two different forms of comprehensive coverage:

  • Named Peril
  • All Peril

Named peril coverage will cover you from risks specifically mentioned in the policy, but it will not cover 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 not mentioned in the policy. An all-peril policy offers an extremely high level of protection.

Loss of use will cover you if you cannot use your vehicle by reimbursing you for using a rental vehicle. This feature can help you avoid major bills following an accident.

The Damage to a Non-owned Vehicle feature protects you from being responsible for damage to a vehicle you do not own, such as a rental or borrowed car. This feature is very desirable for people who frequently use a rental car.

A waiver of depreciation policy ignores the regular depreciation of your vehicle. This feature means you can receive compensation for the full value of your vehicle, making it a good way to avoid major bills following a crash.

How To Save On Car Insurance With Pembridge

A good way to save money is to see if your insurance provider offers 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 doing certain things to make your car safe, such as using winter tires.

My Bridge App

Pembridge will also give a discount for 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. When you sign up, it is worth clarifying this amount with your Pembridge broker. 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 lump sum rather than monthly installments. This is a simple way to save on your insurance premiums.

What Other Insurance Products Does Pembridge Offer?

Pembridge offers Auto, Property, and Recreational Insurance, which might look like they have narrower coverage plans compared to other insurance companies, but they do not. Each Property Insurance policy and Recreational Insurance policy cover more properties and vehicles than you think. Below are what Pembridge covers:

Pembridge’s property Insurance offers a broad range of coverage plans divided into three levels: Comprehensive, Broad Form, and Named Peril Coverage. This Property Insurance covers homes, condos, tenants, seasonals and rentals, and boats. Furthermore, Pembridge provides deeper coverage plans for secondary homeowners, vacation trailers, home businesses, and builders’ risk, which are rare in other companies.

Recreational Insurance provided by Pembridge also offers a broad range of coverage plans. Unlike competitors, Pembridge classified motor homes, cabins or home trailers, and tent trailers as part of recreational insurance. This doesn’t mean Pembridge only covers recreational properties—Motorcycles and Recreational Vehicles like Snowmobiles and ATVs are also covered under this plan.

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 the company’s website by entering information such as how the damage occurred and if anyone was injured. Pembridge will then contact you to complete the claims process.

Email

You can contact them at anytime 24/7

Message

Contact by phone

File a claim by visiting the Pembridge website

1-800-387-0462

Website

File a claim by visiting the Pembridge website

Visit Website

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