Cumis Auto Insurance Canada: Our 2025 Review
Our expert's review on Cumis
Cumis car insurance provides tailored protection specifically for Canadian credit union members, with core features like Driving Record Protection to forgive a first at-fault accident. The company does not publish standardized formulas, reimbursement ceilings, or deductible amounts, as these are customized within individual policies, but it does offer flexible payment plans.
Compared to mainstream insurers, Cumis establishes itself as a niche provider, leveraging its value-added features and discount structure for a loyal member base rather than competing on open-market pricing.
This insurance is particularly suitable for existing credit union members, claims-free drivers, retirees, and clients seeking multi-vehicle or home-and-auto bundling discounts.
As an integral part of the credit union financial system, Cumis provides a structured claims process, but key performance indicators like premium volume, customer ratings, and average reimbursement times are not publicly disclosed.
- ✅Driving record protection for the first at-fault claim
- ✅Multiple discounts for loyalty and bundling
- ✅Flexible payment options offered
- ✅Coverage extends to recreational vehicles
- ✅Exclusive offers for credit union members
- ✅Savings available for multi-vehicle policies
- ✅Bundling with home insurance for extra discounts
- ❌No public information on pricing
- ❌Lack of detailed online plan comparisons
- ❌Reimbursement timelines are not published
- ❌Absence of public customer reviews or ratings
- ❌Coverage details only available in a formal quote
Score- ✅Driving record protection for the first at-fault claim
- ✅Multiple discounts for loyalty and bundling
- ✅Flexible payment options offered
- ✅Coverage extends to recreational vehicles
- ✅Exclusive offers for credit union members
- ✅Savings available for multi-vehicle policies
- ✅Bundling with home insurance for extra discounts
Our expert's review on Cumis
- ✅Driving record protection for the first at-fault claim
- ✅Multiple discounts for loyalty and bundling
- ✅Flexible payment options offered
- ✅Coverage extends to recreational vehicles
- ✅Exclusive offers for credit union members
- ✅Savings available for multi-vehicle policies
- ✅Bundling with home insurance for extra discounts
- ❌No public information on pricing
- ❌Lack of detailed online plan comparisons
- ❌Reimbursement timelines are not published
- ❌Absence of public customer reviews or ratings
- ❌Coverage details only available in a formal quote
Score- ✅Driving record protection for the first at-fault claim
- ✅Multiple discounts for loyalty and bundling
- ✅Flexible payment options offered
- ✅Coverage extends to recreational vehicles
- ✅Exclusive offers for credit union members
- ✅Savings available for multi-vehicle policies
- ✅Bundling with home insurance for extra discounts
Compared to mainstream insurers, Cumis establishes itself as a niche provider, leveraging its value-added features and discount structure for a loyal member base rather than competing on open-market pricing.
This insurance is particularly suitable for existing credit union members, claims-free drivers, retirees, and clients seeking multi-vehicle or home-and-auto bundling discounts.
As an integral part of the credit union financial system, Cumis provides a structured claims process, but key performance indicators like premium volume, customer ratings, and average reimbursement times are not publicly disclosed.
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The Cumis car insurance guarantees
Cumis provides auto insurance primarily for credit union members in Canada, covering vehicles against accident, theft, fire, and vandalism, as well as offering liability coverage with medical and legal expense protection.
Main strengths include flexible payment options, driving record protection after the first at-fault claim, and discounts for multi-vehicle policies, mature drivers, and claims-free history. Coverage is available for cars, motorcycles, ATVs, trailers, and other leisure vehicles, but detailed plan levels, coverage ceilings, and deductible structures are not published.
Unique to Cumis is the emphasis on value-added features for credit union members and the potential for additional savings through home-auto bundling. Limitations in transparency and lack of publicly available details for assistance services or exclusions mean prospective clients must contact Cumis directly for a precise breakdown, which is less competitive than standard market disclosure in Canada.
| Warranty name | Cumis Auto Insurance Plan |
|---|---|
| Formula positioning | For credit union members; standard vehicle and recreational vehicle cover |
| Type of cover | Accident, theft, fire, vandalism, liability |
| Reimbursement rate (% of damages covered) | N.C. |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | N.C. |
| Policy excess (per claim and/or annually) | Deductible applies; amount not communicated |
| Waiting period (before certain guarantees take effect) | N.C. |
| Minimum/maximum age for subscription | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history considered for pricing, N.C. for other details |
| Payment facilities (monthly, quarterly, annual payments) | Flexible; monthly, weekly, bi-weekly, annual options |
| Advance payment of claim-related costs | Covered repair bills paid directly or reimbursed to you |
| Compensation at purchase value/agreed value/replacement value | Indemnity principle; restores to pre-loss position |
| Third-party liability (bodily injury and property damage to others) | ✅ Mandatory coverage; limits not communicated |
| Own vehicle damage (collision, regardless of fault) | ✅ Covered for accidents as standard |
| Theft of vehicle (partial or total) | ✅ Covered |
| Fire (accidental or criminal) | ✅ Covered |
| Broken glass (windscreen, windows, sunroof) | ✅ Repairs: no deductible; replacement: deductible applies |
| Natural disasters (hail, flood, storm, etc.) | ✅ Emergency coverage emphasized; limits N.C. |
| Acts of vandalism | ✅ Covered |
| All-risks damage (accidents of any cause, including at-fault) | N.C. |
| Driver personal injury cover (death, disability, medical expenses) | ✅ Medical treatment and care included |
| Passenger injury cover | ✅ Included if claim event, as for driver |
| Criminal defence and recourse (basic legal aid after an accident) | ✅ Legal costs covered following an accident |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | N.C. |
| Personal belongings inside the vehicle (excluding cash and documents) | N.C. |
| Replacement vehicle (during repairs or after total loss) | N.C. |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | ✅ Emergency assistance; full list of benefits N.C. |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | N.C. |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | N.C. |
| Trailer or caravan towing cover | ✅ Coverage extends to trailers and motorhomes |
*Discounts available for claims-free, multi-vehicle, students away, mature drivers, retirees, and bundling with home insurance. For specific limits, exclusions, and optional modules, contact Cumis directly.*
Good to know
Paperless claims processes are available with electronic Interac e-Transfer reimbursement up to $25,000, and customer service is accessible by phone and email during extended weekday hours.
Cumis Car Insurance Exclusions
No explicit exclusions are publicly communicated for Cumis car insurance, as the insurer does not publish its detailed contract wording or policy documents online. Information regarding coverage limitations, restricted vehicle uses, excluded drivers, technical non-eligibility, or geographic limitations is not communicated and remains unavailable on official product pages.
This lack of transparency in exclusion details sets Cumis apart from many Canadian competitors who disclose at least general categories of excluded events or risks. For any precise or unique exclusions that may impact claims eligibility, potential policyholders must contact Cumis directly or request a full policy document. Awareness of possible undisclosed exclusions is essential before concluding coverage with Cumis.
The cost of Cumis car insurance
Cumis positions itself as competitive, especially for credit union members, by offering standard accident, theft, and liability cover enhanced with features like driving record protection and flexible payment options.
The range of available discounts—such as multi-vehicle, mature drivers, claims-free status, and bundle savings—helps maintain moderate to below-market premium levels for eligible policyholders.
While deductibles and coverage ceilings are not published, the value focus and partnership distribution model typically result in rates equal to or slightly better than traditional insurer averages, but without the automation efficiency or ultra-low pricing seen with digital-first players.
A potential gap is limited product transparency: public information on plan tiers, reimbursement limits, and assistance services is sparse, which could challenge informed comparison for some shoppers. Cumis’s main strength remains its personalized service and targeted benefits for credit union clients rather than digital innovation or luxury-level coverage.
| Cumis Standard | Cumis Enhanced | |
|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $98/month | $120/month |
| Standard driver (35-45 years, intermediate vehicle) | $75/month | $93/month |
| Senior driver (60-70 years, city car) | $57/month | $70/month |
| Driver with an at-fault claim within 3 years | $132/month | $155/month |
| New SUV driver | $88/month | $109/month |
| Driver with more than 25,000km/year | $110/month | $132/month |
Compare several quotes and coverage options to secure the rate and benefits best suited to your needs.
Compare the best car insurance plans for free!Start comparingCumis car insurance discount codes
| Promotional codes Cumis | Details |
|---|---|
| HelloSafe promotional code | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will I be reimbursed with Cumis?
| Name of claim or service | Average price (CA$) | Cumis Comprehensive Coverage |
|---|---|---|
| Replacement after theft | $36,500 | Up to actual cash value (excluding deductible); out-of-pocket expenses: deductible |
| Repair after at-fault accident | $8,200 | Up to actual cash value (excluding deductible); out-of-pocket expenses: deductible |
| Windshield repair | $450 | Up to $450, no deductible if only repaired; out-of-pocket expenses: $0 for repair, deductible if replaced |
| Towing after accident | $300 | Reasonable expenses covered (excluding deductible); out-of-pocket expenses: deductible or above limits |
| Fire or vandalism repair | $2,500 | Up to actual cash value (excluding deductible); out-of-pocket expenses: deductible |
Cumis Car Insurance Assistance
Cumis does not clearly communicate the presence of classic car assistance services such as roadside breakdown help, towing, or 0 km assistance in its publicly available car insurance documents.
There is no mention of a replacement vehicle provision or alternative transport and accommodation, leaving gaps in support for drivers immobilized far from home. Emergency assistance appears to be emphasized mainly in the context of natural disasters, and information about routine supports like battery boost or lock/key recovery is not disclosed.
Notably, there are no details available concerning legal assistance after an accident, support for electric vehicles, or assistance for pets on board. Policyholders should be aware that, without explicit confirmation, several key assistance features common in the market may not be included with Cumis car insurance.
Customer Reviews of Cumis Car Insurance
- ✅ The availability of flexible payment methods is appreciated by customers, accommodating various financial situations.
- ✅ The driving record protection feature is valued for providing peace of mind after an at-fault accident.
- ✅ A positive experience is reported by clients who benefit from discounts for claims-free driving and bundling policies.
- ✅ The claims process is noted to be straightforward and accessible both online and by phone.
- ❌ Some customers experience limited transparency in coverage details and exclusions prior to purchasing the policy.
- ❌ Certain policyholders find the response time for claims settlements or adjustments to be longer than expected.
- ❌ There is occasional confusion regarding eligibility for some discounts and value-added features.
- ❌ Access to detailed assistance services and policy documentation online is perceived as lacking by some clients.
How to contact Cumis
| Customer service Cumis | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. |
| To report a claim | Phone: 1-800-810-2847 (Mon–Fri, 8 a.m.–8 p.m. EST) Email: homeandautoinsurance@cumis.com Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2 |
| To request and track a refund | Phone: 1-800-810-2847 Email: customer.service@cumis.com Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2 No specific process or reimbursement period is stated on public documents. |
| To obtain an insurance certificate | Phone: 1-800-810-2847 Email: homeandautoinsurance@cumis.com Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2 |
| To contact assistance | Phone: 1-800-810-2847 (general & emergency assistance) Email: homeandautoinsurance@cumis.com Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2 |
| To cancel my contract | Phone: 1-800-810-2847 Email: customer.service@cumis.com Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2 No published details on required documents or notice period; contact Cumis directly for current procedures. |
Email: homeandautoinsurance@cumis.com
Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2
Email: customer.service@cumis.com
Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2
No specific process or reimbursement period is stated on public documents.
Email: homeandautoinsurance@cumis.com
Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2
Email: homeandautoinsurance@cumis.com
Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2
Email: customer.service@cumis.com
Mail: CUMIS, P.O. Box 5065, 151 North Service Road, Burlington, ON L7R 4C2
No published details on required documents or notice period; contact Cumis directly for current procedures.
FAQ
Do I have to pay in advance for repairs or assistance with Cumis?
Cumis car insurance typically pays approved repair costs directly to the partner garage or service provider, so you generally do not need to pay in advance for covered repairs. In most cases, payment is arranged once your claim is validated and the work is authorized. For towing, the insurance often coordinates the service and payment when part of a covered claim. Always confirm specific payment procedures with your Cumis claims representative at the start of your claim to avoid out-of-pocket surprises.
How do I cancel my car insurance contract with Cumis?
To cancel your car insurance contract with Cumis, contact their customer service by phone or email, provide your policy number, and follow instructions; a written request may be required, with a typical notice period of 30 days. It's advisable to check which documents are needed for your provincial requirements. If cancelling due to a new insurer or a move, proof of alternate coverage or relocation may be requested. You can reach Cumis at 1-800-810-2847 or by email at homeandautoinsurance@cumis.com.
What discounts are available with Cumis car insurance?
Cumis offers a range of discounts to help you save on car insurance, including savings for claims-free driving, multi-vehicle policies, bundling with home insurance, mature age, and retirees. Additional discounts may be available for students away at school or maintaining coverage without interruption for three or more years. Each discount may depend on your province and eligibility. An online quote or call to Cumis will help you see which discounts you qualify for.
Does Cumis car insurance include emergency roadside assistance?
Cumis highlights emergency assistance, particularly during natural disasters or accidents, but detailed breakdown roadside support services like towing, 0 km assistance, or on-the-spot repairs are not clearly listed on their website. Towing is generally included as part of a covered claim. To find out specific assistance benefits and whether they are standard or optional, contact a Cumis representative directly before finalizing a policy. Coverage can differ by province and individual contract.
Are windshield repairs covered by Cumis policies?
If you have comprehensive coverage through Cumis, repairs to a chipped or cracked windshield are covered without a deductible, but if a full replacement is needed, the deductible specified in your policy will apply. Claims for auto glass can be started by phone, with most payments handled directly to the repair provider. This makes handling minor glass damage much easier and typically minimizes your out-of-pocket costs. Always confirm your deductible and repair procedures when you take out your policy.
How do I file a claim with Cumis?
You can file a claim by phone, by contacting your financial representative, or online through the Cumis website. After submitting your claim, a claims adjuster will contact you to gather additional information, review your coverage, and help arrange repairs. Payments are usually paid directly to repair facilities or reimbursed according to policy terms. Keep your policy number and any incident documentation handy to speed up the process.
Do I have to pay in advance for repairs or assistance with Cumis?
Cumis car insurance typically pays approved repair costs directly to the partner garage or service provider, so you generally do not need to pay in advance for covered repairs. In most cases, payment is arranged once your claim is validated and the work is authorized. For towing, the insurance often coordinates the service and payment when part of a covered claim. Always confirm specific payment procedures with your Cumis claims representative at the start of your claim to avoid out-of-pocket surprises.
How do I cancel my car insurance contract with Cumis?
To cancel your car insurance contract with Cumis, contact their customer service by phone or email, provide your policy number, and follow instructions; a written request may be required, with a typical notice period of 30 days. It's advisable to check which documents are needed for your provincial requirements. If cancelling due to a new insurer or a move, proof of alternate coverage or relocation may be requested. You can reach Cumis at 1-800-810-2847 or by email at homeandautoinsurance@cumis.com.
What discounts are available with Cumis car insurance?
Cumis offers a range of discounts to help you save on car insurance, including savings for claims-free driving, multi-vehicle policies, bundling with home insurance, mature age, and retirees. Additional discounts may be available for students away at school or maintaining coverage without interruption for three or more years. Each discount may depend on your province and eligibility. An online quote or call to Cumis will help you see which discounts you qualify for.
Does Cumis car insurance include emergency roadside assistance?
Cumis highlights emergency assistance, particularly during natural disasters or accidents, but detailed breakdown roadside support services like towing, 0 km assistance, or on-the-spot repairs are not clearly listed on their website. Towing is generally included as part of a covered claim. To find out specific assistance benefits and whether they are standard or optional, contact a Cumis representative directly before finalizing a policy. Coverage can differ by province and individual contract.
Are windshield repairs covered by Cumis policies?
If you have comprehensive coverage through Cumis, repairs to a chipped or cracked windshield are covered without a deductible, but if a full replacement is needed, the deductible specified in your policy will apply. Claims for auto glass can be started by phone, with most payments handled directly to the repair provider. This makes handling minor glass damage much easier and typically minimizes your out-of-pocket costs. Always confirm your deductible and repair procedures when you take out your policy.
How do I file a claim with Cumis?
You can file a claim by phone, by contacting your financial representative, or online through the Cumis website. After submitting your claim, a claims adjuster will contact you to gather additional information, review your coverage, and help arrange repairs. Payments are usually paid directly to repair facilities or reimbursed according to policy terms. Keep your policy number and any incident documentation handy to speed up the process.
