Travelers Car Insurance Canada: Review 2024
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Discover the methodologyLooking for car insurance that meets your unique needs? Travelers Car Insurance Canada might be a good option to consider.
With over 135 years of experience, they offer tailored coverage for solo drivers and businesses alike. While Travelers Car Insurance has its benefits, it's essential to explore its limitations. Let's explore everything you need to know in this Travelers Car Insurance review.
You can use our free tool to compare car insurance quotes online from the best providers so you can truly decide if Travelers Canada is the right choice for you or if there's another plan that suits you better.
Travelers Car Insurance Canada: 5 Key Takeaways
- Comprehensive solutions for all vehicle types.
- Backed by The Travelers Companies, Inc., ensuring quality and stability.
- Available in many provinces, offering widespread accessibility.
- A top choice for reliable and peaceful driving assurance.
- Easy insurance management through its app — IntelliDrive®.
Our 2024 review of Travelers Car Insurance
Travelers Canada is a leading insurance provider in Canada, offering coverage for individuals and businesses for over 135 years. It’s a part of The Travelers Companies, Inc., a larger insurance organization with a strong international presence.
Travelers Canada offers a variety of insurance products including:
Additionally, it provides custom-built insurance solutions for mid-sized and large businesses. Travelers Canada focuses on providing comprehensive insurance coverage, claim services and risk control resources to their clients. Their goal is to help clients prepare for, prevent and recover from unexpected losses.
Travelers Canada is known for its commitment to quality service and its strong financial backing. It’s a part of the Dow Jones Industrial Average and has been recognized as one of Fortune Magazine's most admired companies.
Pros and cons of Travelers Car Insurance Canada
Pros:
- Over 135 years of experience in Canadian insurance
- Comprehensive coverage for individuals and businesses
- Tailored insurance solutions for mid-sized and large businesses
- Strong financial backing from The Travelers Companies, Inc.
Cons:
- Limited customization in the Travelers Essential™ auto insurance plan
- Not available in all provinces
- Varying coverage based on your location
Overall, Travelers Canada is a reputable option for car insurance with a long history of serving Canadians. However, it's always a good idea to compare rates and coverage options from multiple insurers before making a decision. Use our comparator below to get free car insurance quotes from Canada's best companies.
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Can I get Travelers car insurance everywhere in Canada?
Through Travelers Canada, you can get car insurance coverage for customers in:
- Ontario
- Alberta
- Nova Scotia
- New Brunswick
- Prince Edward Island
- Newfoundland and Labrador
- Nunavut
- Yukon
What are the types of Travelers car insurance coverage?
The actual coverage can vary slightly based on your province, but all provinces have third-party liability coverage, which covers injuries and property damage caused to others in an accident you are at fault for. This is typically mandatory insurance in most provinces and territories.
In terms of optional coverage, you can get:
- Collision coverage: Covers damage to your own car if you collide with another vehicle or object.
- Comprehensive coverage: Covers damage to your car from events other than collision, such as theft, fire, vandalism or weather events.
- Personal accident coverage: Provides medical coverage and compensation for lost wages in case of injury or death from an accident.
Additionally, depending on your needs and risk profile, Travelers Canada can offer additional coverages like roadside assistance, rental car reimbursement or even zero depreciation coverage (where you get the full cost of repairs without depreciation being deducted).
What does Travelers’ auto insurance cover?
Travelers Canada's car insurance safeguards various vehicles, ranging from your everyday family car or commuter vehicle to vintage automobiles and motorhomes.
The coverage includes:
- Personal-use vehicles, including motorcycles
- Classics: Collector vehicles aged 15 years or older, in excellent condition, solely for display purposes
- Antiques: Vehicles aged 25 years or older (30 years or older in Alberta), exclusively for display
- Motorhomes: Used for recreational purposes, not as primary residences.
- Recreational vehicles: Off-road 4-wheel all-terrain vehicles, snowmobiles, personal-use utility or camper trailers.
How much does Travelers car insurance cost?
It depends on several factors. Travelers Canada, like most insurance companies, uses a formula that considers your profile to determine your premium.
Here are some of the main factors that influence car insurance costs:
- Your location: Insurance rates vary by province or territory.
- Your age and driving experience: Younger drivers and those with less experience typically pay more.
- Your driving record: Traffic violations and accidents can significantly increase your premium.
- The type of car you drive: Safer cars and less powerful engines tend to be cheaper to insure.
- The amount of coverage you choose: Higher coverage limits and additional coverages will cost more.
- Your claims history: A history of filing claims can lead to higher premiums.
- Discounts you qualify for: As we discussed earlier, factors like having multiple policies with Travelers Canada, a clean driving record or using telematics programs can lead to discounts.
Here are cost estimates for different scenarios to give you a better idea:
| Category | Annually | Monthly |
|---|---|---|
| Good drivers | $3,280 | $273 |
| All drivers | $4,112 | $343 |
| Gender and status | ||
| Male | $3,341 | $278 |
| Female | $3,156 | $263 |
| Married | $3,292 | $274 |
| Single | $3,304 | $275 |
| Age | ||
| Under 25 | $3,448 | $287 |
| 26-35 | $3,428 | $286 |
| 36-49 | $3,138 | $262 |
| 50-64 | $2,809 | $234 |
| 65 and over | $1,526 | $127 |
| Driving record | ||
| 1 ticket | $3,303 | $275 |
| 2 tickets | $3,542 | $295 |
| 1 accident | $3,209 | $267 |
| 1 cancellation | $3,049 | $254 |
| 1 suspension | $3,466 | $289 |
| Location | ||
| Toronto | $3,205 | $267 |
| Ottawa | $2,761 | $230 |
| Brampton | $2,849 | $237 |
| Hamilton | $2,885 | $240 |
| Mississauga | $3,259 | $272 |
| London | $3,288 | $274 |
| Kitchener | $3,438 | $287 |
To get a better idea, we recommend using our comparator to compare your options and get a personalized car insurance quote.
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How can I save on my Travelers car insurance premiums?
Here are some ways you can save on car insurance with Travelers Canada:
- Multi-product discount: If you have both home and car insurance with Travelers Canada, you can qualify for a discount on both policies.
- Multiple vehicle discount: If you insure more than one car with them, you'll likely get a discount on each vehicle.
- Safe driver discount: Having a clean driving record is a major factor in determining car insurance premiums. Travelers Canada offers different tiers of safe driver discounts.
- Mature driver discount: If you're retired, you might qualify for an additional discount for experienced drivers.
- Student away-from-home discount: If your child is away at school and not using your car regularly, you might be eligible for a discount.
- Telematics discount (IntelliDrive®): By using the Travelers IntelliDrive® program and proving you're a safe driver, you could earn a discount of up to 30% on your premiums.
Travelers Essential™ auto insurance can be another way to save on your car insurance, especially if you're looking for a bundled package with pre-selected coverages.
It offers a discounted rate compared to purchasing each coverage separately. Travelers Essential™ comes with a pre-determined set of coverages. You might not be able to customize the amount of coverage for each option (e.g., increasing bodily injury coverage from $2 million).
How to file a claim with Travelers car insurance?
You can call Travelers Canada! This is the recommended approach. You can reach their claim representatives at 1-800-661-5522.
Things to do before you call:
- Have your policy information readily available.
- Gather details about the incident, including the date, time, location and parties involved (if applicable).
- If possible, collect information from any witnesses.
- Take photos of the damage to your car and the scene of the accident (if safe to do so).
You can also try submitting a claim online or through their app.
Travelers car insurance phone number
Here are some ways to get in touch with the Travelers Canada team:
| Services | Phone Number |
|---|---|
| Customer service | 1.800.268.4543 or 905.825.6422 |
| Report a claim | 1.800.661.5522 |
| Unclaimed property inquiries | 1.800.268.8447 |
For a prompt resolution of your problem, you can visit the team at one of their offices closest to you:
| Region | Address | Phone Number | Toll-Free Number |
|---|---|---|---|
| HEAD OFFICE | 165 University AvenueToronto, ON M5H 3B9 | 416.362.7231 | 1.800.268.8447 |
| WESTERN REGION | Vancouver650 West Georgia Street, Suite 2500P.O. Box 11542Vancouver, BC V6B 4N7 | 604.684.6574 | 1.800.555.9431 |
| Calgary530 – 8th Avenue S.W., Suite 2700Calgary, AB T2P 3S8 | 403.231.6600 | 1.800.363.1072 | |
| EASTERN REGION | Montreal1010 de la Gauchetière Street West, Suite 1100Montreal, PQ H3B 2N2 | 514.875.0600 | 1.800.361.9427 |
| CENTRAL REGION | Toronto165 University AvenueToronto, ON M5H 3B9 | 416.362.7231 | 1.800.268.8447 |
| Oakville1275 North Service Road WestOakville, ON L6M 3M3 | 905.825.6400 | 1.800.268.5371 | |
| ATLANTIC REGION | Dartmouth100 Venture Run, Suite 300Dartmouth, NS B3B 0H9 | 902.429.6813 | 1.800.565.1322 |
Remember, before choosing any policy, it's crucial to compare your options. Use our free tool below to compare car insurance quotes online and get the best deals today.
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