Pembridge Auto Insurance: Our 2025 Review & Verdict
Our expert's review on Pembridge
Pembridge car insurance operates on a traditional, broker-focused model, offering standard and customizable coverage rather than pre-packaged formulas. Key details on reimbursement ceilings and deductibles are tailored through consultation with a broker, and the contract does not feature a specific prevention budget or a telematics program.
Compared to competitors who lead with digital tools and direct-to-consumer sales, Pembridge stands out by providing specialized coverage and relying on the expertise of independent brokers for its value proposition.
This insurance is particularly well-suited for drivers with unique needs, such as owners of classic, antique, or artisan vehicles, as well as those who prefer personalized guidance over online self-service.
As a broker-driven insurer, Pembridge does not publicly disclose financial data like premium volumes or customer satisfaction ratings like Trustpilot scores, nor does it specify average reimbursement times, requiring policyholders to depend on their broker for insights into the company's service reliability.
- ✅Specialized coverage for classic and antique cars
- ✅Insurance options for artisan and trade vehicles
- ✅Guaranteed repairs via the Priority Repair Option (PRO) network
- ✅Personalized advice and service from independent brokers
- ✅Multiple discounts offered (multi-vehicle, retiree, education)
- ✅Waiver of depreciation for new vehicles under 24 months
- ✅Comprehensive 'All Perils' option available
- ❌No direct online quoting available
- ❌Limited public transparency on pricing and coverage limits
- ❌No published customer reviews or satisfaction data
- ❌Vague claims processing timeframes
- ❌Absence of a defined roadside assistance program
Score- ✅Specialized coverage for classic and antique cars
- ✅Insurance options for artisan and trade vehicles
- ✅Guaranteed repairs via the Priority Repair Option (PRO) network
- ✅Personalized advice and service from independent brokers
- ✅Multiple discounts offered (multi-vehicle, retiree, education)
- ✅Waiver of depreciation for new vehicles under 24 months
- ✅Comprehensive 'All Perils' option available
Our expert's review on Pembridge
- ✅Specialized coverage for classic and antique cars
- ✅Insurance options for artisan and trade vehicles
- ✅Guaranteed repairs via the Priority Repair Option (PRO) network
- ✅Personalized advice and service from independent brokers
- ✅Multiple discounts offered (multi-vehicle, retiree, education)
- ✅Waiver of depreciation for new vehicles under 24 months
- ✅Comprehensive 'All Perils' option available
- ❌No direct online quoting available
- ❌Limited public transparency on pricing and coverage limits
- ❌No published customer reviews or satisfaction data
- ❌Vague claims processing timeframes
- ❌Absence of a defined roadside assistance program
Score- ✅Specialized coverage for classic and antique cars
- ✅Insurance options for artisan and trade vehicles
- ✅Guaranteed repairs via the Priority Repair Option (PRO) network
- ✅Personalized advice and service from independent brokers
- ✅Multiple discounts offered (multi-vehicle, retiree, education)
- ✅Waiver of depreciation for new vehicles under 24 months
- ✅Comprehensive 'All Perils' option available
Compared to competitors who lead with digital tools and direct-to-consumer sales, Pembridge stands out by providing specialized coverage and relying on the expertise of independent brokers for its value proposition.
This insurance is particularly well-suited for drivers with unique needs, such as owners of classic, antique, or artisan vehicles, as well as those who prefer personalized guidance over online self-service.
As a broker-driven insurer, Pembridge does not publicly disclose financial data like premium volumes or customer satisfaction ratings like Trustpilot scores, nor does it specify average reimbursement times, requiring policyholders to depend on their broker for insights into the company's service reliability.
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The Pembridge Car Insurance Guarantees
Pembridge provides core auto insurance coverages including liability, accident benefits, and direct compensation for property damage, with the option to add collision, comprehensive, specified perils, or all perils modules, aligning with standard Canadian market practices.
Comprehensive coverage for theft, fire, vandalism, and windshield damage is available, while “all perils” aggregates collision and comprehensive for maximum protection.
Deductibles and reimbursement limits are tailored during broker consultation, but compensation is based on actual cash value unless a waiver of depreciation is purchased for new vehicles.
Optional loss of use, non-owned vehicle coverage, and multi-vehicle or mature driver discounts further customize protection.
While standard in structure and flexibility, Pembridge’s lack of direct online quoting and limited digital self-serve tools may be a drawback for digital-first consumers compared to leading competitors.
| Warranty name | Pembridge Car Insurance |
|---|---|
| Formula positioning | Customizable modules, arranged via broker |
| Type of cover | Liability, accident benefits, DCPD, collision, comprehensive |
| Reimbursement rate (% of damages covered) | 100% up to actual cash value, less deductible |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | Liability $200,000–$2M; car value under all perils |
| Policy excess (per claim and/or annually) | Deductible set at quote; applies per claim |
| Waiting period (before certain guarantees take effect) | N.C. |
| Minimum/maximum age for subscription | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driver and vehicle history checked at quote |
| Payment facilities | Monthly or annual via broker |
| Advance payment of claim-related costs | Pay deductible at repair/settlement |
| Compensation at purchase value/agreed value/replacement value | Actual cash value, waiver of depreciation option |
| Third-party liability (bodily injury and property damage to others) | $200,000 minimum (varies by province) |
| Own vehicle damage (collision, regardless of fault) | Optional collision/add-on |
| Theft of vehicle (partial or total) | Optional comprehensive/spec. perils/all perils |
| Fire (accidental or criminal) | Optional comprehensive/spec. perils/all perils |
| Broken glass (windscreen, windows, sunroof) | Optional comprehensive |
| Natural disasters (hail, flood, storm, etc.) | Optional comprehensive/spec. perils/all perils |
| Acts of vandalism | Optional comprehensive/all perils |
| All-risks damage (accidents of any cause, including at-fault) | All perils, if selected |
| Driver personal injury cover (death, disability, medical expenses) | Accident benefits (varies by province) |
| Passenger injury cover | Accident benefits (varies by province) |
| 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) | Optional loss of use |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | N.C. |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | N.C. |
| Vehicle use for professional/business purposes (where applicable) | Available for artisan vehicles/broker-advised |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | Optional non-owned car |
| Trailer or caravan towing cover | N.C. |
*N.C. = Not communicated. Most plan parameters and pricing confirmed via broker only.*
Good to know
Pembridge supports a network of Priority Repair Option (PRO) shops with guaranteed repairs and offers accident forgiveness and mature driver discounts; all policy sales and changes are managed exclusively through independent brokers, and there is no public digital quoting or account management portal.
Pembridge Car Insurance Exclusions
Pembridge does not publicly disclose a detailed list of contract exclusions, but it is important to note that, like most Canadian insurers, standard exclusions such as intentional damage, illegal use, unlicensed drivers, and participation in races are likely applied.
Any personal effects inside the vehicle are typically excluded unless specifically insured, and damages resulting from normal wear and tear or mechanical breakdown are generally not covered. Unique exclusions or deviations from these market norms are not communicated by Pembridge, leaving some uncertainty for policyholders about any restrictions that might apply beyond generalized industry practices.
Customers are strongly advised to consult an independent broker for the precise list of exclusions corresponding to their policy and location.
The Cost of Pembridge Car Insurance
Pembridge positions itself in the Canadian car insurance market as a mid-range provider, offering a broad set of coverages that align with industry standards but without standout features or aggressively low rates compared to digital-first competitors.
Its policies can be customized through independent brokers, and various discounts are available, but the lack of a purely digital platform means operational efficiencies—and thus potential for price disruption—are less pronounced than with pure online insurers.
While coverage options such as accident forgiveness and flexible add-ons help address diverse needs, out-of-pocket costs and claim limits are determined by the chosen policy and deductible, so cost control rests heavily on individual selection.
Pembridge does not lead on either premiums or deductibles but offers a reliable, service-oriented insurance experience appropriate for mainstream users.
For drivers seeking the lowest prices or all-inclusive digital management, more specialized providers may offer better value, but Pembridge’s stable offer remains attractive for those valuing traditional broker support and balanced coverage.
| Basic formula | Standard formula | All Perils formula | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $112/month | $135/month | $149/month |
| Standard driver (35-45 years, intermediate vehicle) | $77/month | $92/month | $102/month |
| Senior driver (60-70 years, city car) | $55/month | $65/month | $72/month |
| Driver with an at-fault claim within 3 years | $168/month | $194/month | $217/month |
| New SUV driver | $98/month | $112/month | $128/month |
| Driver with more than 25,000km/year | $125/month | $147/month | $162/month |
Compare offers from multiple insurers to find a policy that best matches both your budget and your desired level of protection.
Compare the best car insurance plans for free!Start comparingPembridge car insurance discount codes
| Promotional codes Pembridge | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will I be reimbursed with Pembridge?
| Claim or service | Average price (CA$) | Pembridge Liability Only | Pembridge Collision Only | Pembridge Comprehensive Only | Pembridge All Perils (Collision + Comprehensive) |
|---|---|---|---|---|---|
| Replacement after theft | $23,000 | ❌ | ❌ | Up to $23,000 (excluding excess) | Up to $23,000 (excluding excess) |
| Repair after at-fault accident | $6,500 | ❌ | Up to $6,500 (excluding excess) | ❌ | Up to $6,500 (excluding excess) |
| Windshield repair/replacement | $500 | ❌ | ❌ | Up to $500 (excluding excess) | Up to $500 (excluding excess) |
| Rental vehicle during repairs | $1,000 | ❌ | ❌ | ❌ | Up to $1,000 (excluding excess, if Loss of Use coverage opted) |
| Fire or vandalism damage repair | $2,000 | ❌ | ❌ | Up to $2,000 (excluding excess) | Up to $2,000 (excluding excess) |
Pembridge Car Insurance Assistance
Pembridge’s car insurance policies include key options like “Loss of Use,” which offers alternative transportation if your car is being repaired due to covered damage or theft, but general roadside breakdown support is not explicitly detailed or included by default.
There is no specific mention of 24/7 assistance for mechanical or electrical failure, 0 km service, or extended towing in official published materials, which may limit the usefulness of their coverage for everyday disruptions.
Replacement vehicles are available as part of the Loss of Use option, but only during repairs for insured events, not for routine breakdowns.
No information is provided about accommodation, vehicle repatriation, support for electric vehicles, battery/fuel errors, legal assistance, key recovery, or animal transportation.
Overall, Pembridge appears to focus on standard insurance protections and alternative transport during claims, but lacks the comprehensive assistance services that some drivers may expect.
| Support Pembridge | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | N.C. | N.C. |
| Towing to repair facility / Extended towing | N.C. | N.C. |
| Assistance from home (0 km) | N.C. | N.C. |
| Replacement vehicle | ✅ | Available via Loss of Use (optional). Only during repairs for insured events. |
| Alternative transport or accommodation | ✅ | Rental, taxi, or public transit covered under Loss of Use (optional). |
| Vehicle repatriation | N.C. | N.C. |
| Assistance abroad | N.C. | N.C. |
| Assistance for electric vehicles | N.C. | N.C. |
| Battery assistance & fuel misfuelling | N.C. | N.C. |
| Legal assistance after an accident | N.C. | N.C. |
| Assistance for animals on board | N.C. | N.C. |
| Key recovery & lock replacement | N.C. | N.C. |
Only during repairs for insured events.
Customer Reviews of Pembridge Car Insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 1.8/5 – 109 reviews |
We have analyzed the reviews on the above-mentioned site.
- ✅ The claims process is described by some customers as straightforward when it works well, with a few policyholders reporting timely payouts and helpful auto adjusters.
- ✅ A handful of clients mention satisfaction with customizable coverage options available through brokers.
- ✅ The availability of the Priority Repair Option (PRO) network with guaranteed repairs is sometimes valued by those who have used preferred shops.
- ❌ Many policyholders are dissatisfied with slow or unresponsive claims handling, with long delays for both payment and communication.
- ❌ Customer service is frequently criticized for being hard to reach and for lack of clarity or follow-up on active cases.
- ❌ Numerous clients report significant premium increases at renewal, sometimes after years without claims.
- ❌ There are complaints about misunderstandings around policy details or denied claims due to perceived insufficient information from brokers or the insurer.
How to contact Pembridge
| Customer service Pembridge | 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. For direct quotes, contact an independent Pembridge broker via the broker locator at https://www.pembridge.com/find-broker or call 1.877.736.2743. |
| To report a claim | Phone: 1.877.736.2743 (toll free, 24/7) or 905.513.4013 (local). Email: websitecontactus@pembridge.com Mail: 27 Allstate Parkway, Suite 100, Markham, Ontario, L3R 5P8. You may also report claims through your independent broker. |
| To request and track a refund | Contact your Pembridge broker directly or call 1.877.736.2743. You may be asked to provide policy details, the reason for the refund, and supporting documents. Refunds are generally issued by cheque or direct deposit; processing times vary and are confirmed by your broker. |
| To obtain an insurance certificate | Request through your Pembridge broker or call 1.877.736.2743 Email: websitecontactus@pembridge.com Mail: 27 Allstate Parkway, Suite 100, Markham, Ontario, L3R 5P8 |
| To contact assistance | Phone: 1.877.736.2743 or 905.513.4013 Email: websitecontactus@pembridge.com Mail: 27 Allstate Parkway, Suite 100, Markham, Ontario, L3R 5P8 |
| To cancel my contract | Contact your Pembridge broker directly or call 1.877.736.2743. For cancellation, prepare a written request with your policy number and effective date, and proof of new insurance if required by law. The notice period and document requirements vary and will be specified by your broker or Pembridge advisor. |
Email: websitecontactus@pembridge.com
Mail: 27 Allstate Parkway, Suite 100, Markham, Ontario, L3R 5P8. You may also report claims through your independent broker.
Email: websitecontactus@pembridge.com
Mail: 27 Allstate Parkway, Suite 100, Markham, Ontario, L3R 5P8
Email: websitecontactus@pembridge.com
Mail: 27 Allstate Parkway, Suite 100, Markham, Ontario, L3R 5P8
FAQ
Do I have to pay in advance for repairs or assistance with Pembridge?
If you use a Pembridge Priority Repair Option (PRO) partner shop or their approved glass vendors, payment is typically made directly by Pembridge, and you only pay your deductible. If you choose an independent shop, you may have to pay upfront and claim reimbursement. For towing or roadside help, coverage applies if you have selected the relevant options—confirm with your broker before proceeding.
How do I cancel my car insurance contract with Pembridge?
To cancel your Pembridge car insurance contract, contact your insurance broker and provide your policy details; a 30-day notice is generally recommended and you may need to provide written confirmation and proof of replacement coverage if required.
What types of vehicles and uses does Pembridge cover?
Pembridge insures private passenger vehicles, artisan vehicles used by tradespeople, classic and antique cars, and offers special coverage for business usage and specialty vehicles. Coverage and eligibility may vary by province and use, so it’s important to review your specific needs with an authorized Pembridge broker for the best policy fit.
How do I file a claim with Pembridge and how long does it take to get paid?
To file a claim, contact Pembridge at 1-877-736-2743, submit details and any documents requested, and select your repair shop (PRO partners recommended for convenience). Claims are handled by dedicated adjusters and payments are issued by direct deposit or cheque. While specific timeframes are not published, claim processing aims to be efficient; complex claims may take longer to resolve.
Is alternate transportation included while my car is being repaired?
If you have purchased Loss of Use coverage, Pembridge will reimburse eligible costs for a rental car, taxi, or rideshare needed while your insured vehicle is being repaired due to a claim. This benefit is subject to your policy’s limits. Discuss with your broker to ensure you have this coverage and to understand the reimbursement process.
Can I bundle home and auto insurance with Pembridge for a discount?
Yes, Pembridge offers multi-line discounts if you bundle your auto and home insurance policies. Additional savings are available for multi-vehicle households, mature drivers, and other qualifying groups. Ask your broker to review all available discounts to help reduce your premium.
Do I have to pay in advance for repairs or assistance with Pembridge?
If you use a Pembridge Priority Repair Option (PRO) partner shop or their approved glass vendors, payment is typically made directly by Pembridge, and you only pay your deductible. If you choose an independent shop, you may have to pay upfront and claim reimbursement. For towing or roadside help, coverage applies if you have selected the relevant options—confirm with your broker before proceeding.
How do I cancel my car insurance contract with Pembridge?
To cancel your Pembridge car insurance contract, contact your insurance broker and provide your policy details; a 30-day notice is generally recommended and you may need to provide written confirmation and proof of replacement coverage if required.
What types of vehicles and uses does Pembridge cover?
Pembridge insures private passenger vehicles, artisan vehicles used by tradespeople, classic and antique cars, and offers special coverage for business usage and specialty vehicles. Coverage and eligibility may vary by province and use, so it’s important to review your specific needs with an authorized Pembridge broker for the best policy fit.
How do I file a claim with Pembridge and how long does it take to get paid?
To file a claim, contact Pembridge at 1-877-736-2743, submit details and any documents requested, and select your repair shop (PRO partners recommended for convenience). Claims are handled by dedicated adjusters and payments are issued by direct deposit or cheque. While specific timeframes are not published, claim processing aims to be efficient; complex claims may take longer to resolve.
Is alternate transportation included while my car is being repaired?
If you have purchased Loss of Use coverage, Pembridge will reimburse eligible costs for a rental car, taxi, or rideshare needed while your insured vehicle is being repaired due to a claim. This benefit is subject to your policy’s limits. Discuss with your broker to ensure you have this coverage and to understand the reimbursement process.
Can I bundle home and auto insurance with Pembridge for a discount?
Yes, Pembridge offers multi-line discounts if you bundle your auto and home insurance policies. Additional savings are available for multi-vehicle households, mature drivers, and other qualifying groups. Ask your broker to review all available discounts to help reduce your premium.
