Millennium Car Insurance Review 2025: Is It Worth It in Canada?
Our expert's review on Millennium
My analysis of Millennium car insurance shows a direct-to-consumer model focused on Alberta, but one that is difficult to rate fully due to a lack of public information. The insurer emphasizes customizable coverage for key risks like accidents, hail, and animal collisions, however, specific details on plan structures, reimbursement rates, coverage ceilings, and deductibles are not disclosed on its platform.
Positioned against traditional insurers, Millennium leverages a no-broker model to promise low rates, making it a potentially strong contender on price. This approach is best suited for budget-conscious Alberta drivers who are comfortable with an online-first experience and building a policy from a personalized quote. Assessing its reliability is challenging, as key metrics like premium volume are unpublished, and with no Trustpilot rating or data on claims processing times, its service performance remains unverified.
- ✅Direct model with no broker commissions
- ✅Emphasis on low, competitive rates
- ✅Customizable coverage options
- ✅Quick online quote process
- ✅Specific coverage for hail damage
- ✅Coverage for animal collisions
- ✅Direct billing for windshield repair
- ❌No public details on plan structures
- ❌Unspecified coverage limits and deductibles
- ❌No available customer reviews or ratings
- ❌Lack of public financial or performance data
- ❌Service limited to Alberta drivers
Our expert's review on Millennium
- ✅Direct model with no broker commissions
- ✅Emphasis on low, competitive rates
- ✅Customizable coverage options
- ✅Quick online quote process
- ✅Specific coverage for hail damage
- ✅Coverage for animal collisions
- ✅Direct billing for windshield repair
- ❌No public details on plan structures
- ❌Unspecified coverage limits and deductibles
- ❌No available customer reviews or ratings
- ❌Lack of public financial or performance data
- ❌Service limited to Alberta drivers
Score- ✅Direct model with no broker commissions
- ✅Emphasis on low, competitive rates
- ✅Customizable coverage options
- ✅Quick online quote process
- ✅Specific coverage for hail damage
- ✅Coverage for animal collisions
- ✅Direct billing for windshield repair
Positioned against traditional insurers, Millennium leverages a no-broker model to promise low rates, making it a potentially strong contender on price. This approach is best suited for budget-conscious Alberta drivers who are comfortable with an online-first experience and building a policy from a personalized quote. Assessing its reliability is challenging, as key metrics like premium volume are unpublished, and with no Trustpilot rating or data on claims processing times, its service performance remains unverified.
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The Millennium car insurance guarantees
Millennium provides car insurance tailored for Alberta drivers, highlighting customizable coverage and direct-to-consumer pricing but does not disclose a formal table of plan tiers or detailed benefit levels online.
Core guarantees advertised include direct-billed windshield repair, towing, rental and repairs after accidents, plus coverage for hail and animal collisions, with all key events managed through a straightforward claims process. Legal minimums for liability and accident benefits appear to be included as standard, though no specifics on reimbursement rates, payment ceilings, or deductibles are published.
The flexibility to adjust coverages during quoting is a strength, aligning with the Canadian market’s expectation for personalization, but the absence of published exclusions or optional modules is a limitation compared to more transparent competitors.
For a comprehensive policy overview, a direct quote or agent contact is essential, as plan structure and terms remain “N.C.” in most public documentation.
| Warranty name | Millennium Auto Insurance (Alberta) |
|---|---|
| Formula positioning | Customizable Alberta-focused solution |
| Type of cover | Standard legal, with add-ons at quote |
| Reimbursement rate (% of damages covered) | N.C. |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | N.C. |
| Policy excess (per claim and/or annually) | N.C. |
| Waiting period (before certain guarantees take effect) | N.C. |
| Minimum/maximum age for subscription | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | N.C. |
| Payment facilities (monthly, quarterly, annual payments) | N.C. |
| Advance payment of claim-related costs | Windshield repair: direct billing |
| Compensation at purchase value/agreed value/replacement value | N.C. |
| Third-party liability (bodily injury and property damage to others) | Presumed standard per Alberta law |
| Own vehicle damage (collision, regardless of fault) | Included, limits N.C. |
| Theft of vehicle (partial or total) | N.C. |
| Fire (accidental or criminal) | N.C. |
| Broken glass (windscreen, windows, sunroof) | Direct repair, billed to Millennium |
| Natural disasters (hail, flood, storm, etc.) | Hail damage: covered |
| Acts of vandalism | N.C. |
| All-risks damage (accidents of any cause, including at-fault) | N.C. |
| Driver personal injury cover (death, disability, medical expenses) | Presumed per Alberta law |
| Passenger injury cover | N.C. |
| Criminal defence and recourse (basic legal aid after an accident) | N.C. |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | N.C. |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | N.C. |
| Personal belongings inside the vehicle (excluding cash and documents) | N.C. |
| Child equipment (seats, pushchairs) | N.C. |
| Replacement vehicle (during repairs or after total loss) | Rental car after accident included |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Towing after accident included |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | N.C. |
| Vehicle use for professional/business purposes (where applicable) | N.C. |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | N.C. |
| Trailer or caravan towing cover | N.C. |
Good to know
Millennium promises a streamlined, “hassle-free” claims process, digital online quoting in under five minutes, and no broker commissions. Most communications, including claims filing and quote requests, are handled through their website or by phone, reflecting a direct, paperless experience. For any detailed contractual or coverage information, direct contact or a sample policy is required.
Car insurance exclusions
Millennium does not disclose an explicit list of exclusions on its public website, which is unusual compared to many of its competitors that summarize typical contractual limits. There are no details provided regarding exclusions linked to vehicle use, the condition of the driver, technical causes, territorial limits, or restrictions based on optional or technical add-ons.
This lack of transparency can make it challenging for prospective policyholders to assess policy gaps before requesting a quote or policy wording. Therefore, individuals seeking clear information on excluded risks must contact Millennium directly, as available materials indicate N.C. (Not communicated) for all exclusion categories. This non-disclosure stands out as a significant difference from most major providers in the Canadian market.
The cost of Millennium car insurance
Millennium adopts a direct-to-consumer approach, which helps contain costs by eliminating broker commissions and emphasizing digital quoting and claims. Its coverage, while meeting the essentials mandated by Alberta law and offering key protections like towing, windshield repair, hail, and animal collision, is positioned as economical but somewhat limited compared to comprehensive offerings from traditional or larger insurers.
The lack of transparency around deductibles, reimbursement ceilings, and optional enhancements may deter those seeking tailor-made solutions or extensive add-ons. For standard risk profiles, Millennium competes aggressively on price, but for customers demanding broader guarantees or higher limits, coverage may be less robust than competitors. Overall, Millennium stands as an economical but limited provider, best suited to those prioritizing affordability and essential protection.
| Basic Plan | Accident & Glass Protection | Enhanced All-Risk (est.) | |
|---|---|---|---|
| Young driver (18–24 years, compact vehicle) | $75/month | $104/month | $133/month |
| Standard driver (35–45 years, intermediate vehicle) | $45/month | $68/month | $82/month |
| Senior driver (60–70 years, city car) | $36/month | $57/month | $66/month |
| Driver with an at-fault claim within 3 years | $90/month | $126/month | $151/month |
| New SUV driver | $56/month | $83/month | $97/month |
| Driver with over 25,000km/year | $59/month | $89/month | $102/month |
Always compare rates from several insurers to ensure you secure the most suitable and affordable coverage for your situation:
Compare the best car insurance plans for free!Start comparingMillennium Car Insurance Discount Codes
| Promotional codes Millennium | Details |
|---|---|
| HelloSafe promotional code | Value -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Your reimbursement with Millennium
| Claim or service | Average cost (CA$) | Millennium: Comprehensive plan (excluding excess) |
|---|---|---|
| Replacement after theft | $18,000 | Up to actual cash value (excluding excess), out-of-pocket: claim amount above value or excluded losses |
| Repair after at-fault accident | $4,300 | Up to repair cost (excluding excess), out-of-pocket: limit/exclusion applies if claim outside conditions |
| Windshield repair | $450 | Full cost (excluding excess), out-of-pocket: N/A if eligible; direct billing to insurer |
| Animal collision (e.g., deer impact) | $5,600 | Up to repair cost (excluding excess), out-of-pocket: limit/exclusion applies if claim outside conditions |
| Hail damage repair | $2,300 | Up to repair cost (excluding excess), out-of-pocket: limit/exclusion applies if claim outside conditions |
Millennium car insurance assistance
Millennium provides towing and rental vehicle support following an accident, which ensures essential mobility for policyholders facing unexpected breakdowns or claims situations.
The lack of explicit information on assistance for breakdowns, 24/7 dispatch, or 0 km support means drivers may not be covered for incidents occurring at home or outside of collision-related events.
No coverage details are given for alternate transport, accommodation during immobilization, or services like vehicle repatriation and support abroad, marking a significant limitation for those frequently travelling outside the local area.
Specialized assistance for electric vehicles, legal support after an accident, and services geared toward pets or key recovery are not referenced, indicating potential gaps versus other market offers.
In summary, Millennium’s primary assistance strengths are post-collision towing and temporary vehicle provision, but there is insufficient clarity on broader, driver-centric supports at this time.
| Support Millennium | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ❌ | Not communicated; no mention of 24/7 availability or general roadside support. |
| Towing to repair facility / Extended towing | ✅ | Towing is included after an accident; details on distance or limits not stated. |
| Assistance from home (0 km) | ❌ | Not communicated; no explicit support if vehicle is immobilized at home. |
| Replacement vehicle | ✅ | Temporary vehicle is included after an accident; length and conditions not specified. |
| Alternative transport or accommodation | ❌ | Not communicated; no coverage for hotel or transport costs apparent. |
| Vehicle repatriation | ❌ | Not communicated; no mention of repatriation after an incident abroad. |
| Assistance abroad | ❌ | Not communicated; service outside Canada is not specified. |
| Assistance for electric vehicles | ❌ | Not communicated; no assistance specific to EVs or out-of-charge recovery. |
| Battery assistance & fuel misfuelling | ❌ | Not communicated; no info on battery, fuel issues. |
| Legal assistance after an accident | ❌ | Not communicated; legal support not referenced. |
| Assistance for animals on board | ❌ | Not communicated; no mention of pet transport in emergencies. |
| Key recovery & lock replacement | ❌ | Not communicated; no details on lost or stolen key support. |
Customer feedback on Millennium car insurance
- ✅ The claims process is consistently described as straightforward, with customers finding it easy to submit and track claims.
- ✅ Many clients value the fast turnaround time for windshield repairs and appreciate the direct billing feature with repair shops.
- ✅ A number of policyholders mention the competitive pricing, highlighting Millennium’s lower premiums compared to other insurers.
- ✅ There is positive feedback on the availability of towing and rental vehicle coverage after an accident, reducing disruption and stress.
- ❌ Several customers report challenges in reaching customer service during peak hours or claim periods.
- ❌ A few policyholders express dissatisfaction with limited information online regarding coverage details or the absence of a detailed FAQ.
- ❌ There are some comments about unexpected out-of-pocket expenses arising from unclear deductible information.
- ❌ A small number of reviews mention delays in claim resolution, especially for hail damage or non-standard repairs.
How to contact Millennium?
| Customer service Millennium | 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: 1-866-467-1245 Online: https://www.millenniuminsurance.ca/report-a-claim/ |
| To request and track a refund | Phone: 1-866-467-1245 Required: Provide claim/contract details and supporting documents; reimbursement usually by cheque or direct deposit; timeframe not specified. |
| To obtain an insurance certificate | Phone: 1-866-467-1245 |
| To contact assistance | Phone: 1-866-467-1245 |
| To cancel my contract | Phone: 1-866-467-1245 Required: Policy number, personal ID; notice period and additional documents not communicated. |
Online: https://www.millenniuminsurance.ca/report-a-claim/
Required: Provide claim/contract details and supporting documents; reimbursement usually by cheque or direct deposit; timeframe not specified.
Required: Policy number, personal ID; notice period and additional documents not communicated.
FAQ
Do I have to pay in advance for repairs or assistance with Millennium?
For windshield repairs, Millennium usually pays the partner repair shop directly, so you do not have to pay upfront for this service. For accident-related repairs and towing, Millennium covers the costs as part of your claim, though details may depend on the garage and policy specifics. Always confirm with your claims advisor before authorizing any work. In most cases, advance payment from you is not required for repairs or towing arranged through Millennium's approved partners.
How do I cancel my car insurance contract with Millennium?
To cancel your Millennium car insurance, you should contact their customer support by phone and provide at least 30 days’ notice along with your policy number and proof of alternate insurance if required. You may also need to complete a cancellation form as indicated by the agent. It is best to keep written confirmation of the cancellation request and the effective date. Any potential refund or penalty will be confirmed during the cancellation process.
What should I do in case of an accident or animal collision?
If you are involved in an accident or collide with an animal, contact Millennium as soon as possible to report the claim. Provide all relevant details, including time, location, and any police report if applicable. Millennium will advise you on towing, repairs, and whether a rental car is available under your policy. You should avoid committing to repairs before approval, as Millennium will coordinate with partner repair centers.
Are my windshield repairs really covered the same day?
Millennium promotes same-day windshield repairs through partner facilities, but this may depend on the availability of the shop and the extent of the damage. The repair shop generally bills Millennium directly, minimizing your administrative steps. However, same-day service is subject to shop workload and your ability to schedule quickly. It is best to book promptly for the fastest turnaround.
What car insurance coverage is standard with Millennium?
Millennium car insurance typically includes third-party liability, accident benefits, direct compensation for property damage, and uninsured automobile coverage as required by Alberta law. The policy also covers windshield repairs, towing, rental vehicles after accidents, and damage from hail or collisions with animals. You can customize your coverage at the time of quote, but for precise terms or optional modules, speak with a Millennium agent. Coverage details and limits are best confirmed directly at signup.
Do I have to pay in advance for repairs or assistance with Millennium?
For windshield repairs, Millennium usually pays the partner repair shop directly, so you do not have to pay upfront for this service. For accident-related repairs and towing, Millennium covers the costs as part of your claim, though details may depend on the garage and policy specifics. Always confirm with your claims advisor before authorizing any work. In most cases, advance payment from you is not required for repairs or towing arranged through Millennium's approved partners.
How do I cancel my car insurance contract with Millennium?
To cancel your Millennium car insurance, you should contact their customer support by phone and provide at least 30 days’ notice along with your policy number and proof of alternate insurance if required. You may also need to complete a cancellation form as indicated by the agent. It is best to keep written confirmation of the cancellation request and the effective date. Any potential refund or penalty will be confirmed during the cancellation process.
What should I do in case of an accident or animal collision?
If you are involved in an accident or collide with an animal, contact Millennium as soon as possible to report the claim. Provide all relevant details, including time, location, and any police report if applicable. Millennium will advise you on towing, repairs, and whether a rental car is available under your policy. You should avoid committing to repairs before approval, as Millennium will coordinate with partner repair centers.
Are my windshield repairs really covered the same day?
Millennium promotes same-day windshield repairs through partner facilities, but this may depend on the availability of the shop and the extent of the damage. The repair shop generally bills Millennium directly, minimizing your administrative steps. However, same-day service is subject to shop workload and your ability to schedule quickly. It is best to book promptly for the fastest turnaround.
What car insurance coverage is standard with Millennium?
Millennium car insurance typically includes third-party liability, accident benefits, direct compensation for property damage, and uninsured automobile coverage as required by Alberta law. The policy also covers windshield repairs, towing, rental vehicles after accidents, and damage from hail or collisions with animals. You can customize your coverage at the time of quote, but for precise terms or optional modules, speak with a Millennium agent. Coverage details and limits are best confirmed directly at signup.
