Unica Car Insurance: Is It Worth It in 2025?
Our expert's review on Unica
Unica car insurance provides a specialized, broker-driven offering in Canada, with distinct, tailored formulas for personal, luxury, and collector vehicles. While specific reimbursement ceilings and deductibles require broker consultation, the contract includes valuable optional add-ons like a five-year Waiver of Depreciation for new cars and an Accident Protection Endorsement to forgive a first at-fault accident.
Against mainstream insurers, Unica carves out a niche as a specialist, offering superior features for collector cars—such as no mileage limits and flatbed towing—and maintaining competitive pricing for young drivers and luxury vehicles.
This insurance is therefore particularly well-suited for owners of collector cars seeking guaranteed agreed-value replacement, drivers of high-end vehicles, and young drivers who often face higher premiums elsewhere.
As an exclusively broker-based insurer, Unica provides client support and a 24/7 emergency claims line, with customer testimonials often highlighting professional and fair claims handling, though reports on communication and service speed are mixed.
- ✅Specialized coverage for luxury and collector cars
- ✅No mileage limits on collector car policies
- ✅Agreed value replacement for collector cars
- ✅Competitive rates for young and luxury drivers
- ✅24/7 emergency claims line
- ✅Five-year Waiver of Depreciation option
- ✅Flatbed towing for collector vehicle claims
- ❌Broker-only access, no direct online quotes
- ❌Limited public details on coverage and limits
- ❌Mixed customer feedback on claims service
- ❌Absence of online policy documents or FAQs
- ❌Unclear standard roadside assistance benefits
Score- ✅Specialized coverage for luxury and collector cars
- ✅No mileage limits on collector car policies
- ✅Agreed value replacement for collector cars
- ✅Competitive rates for young and luxury drivers
- ✅24/7 emergency claims line
- ✅Five-year Waiver of Depreciation option
- ✅Flatbed towing for collector vehicle claims
Our expert's review on Unica
- ✅Specialized coverage for luxury and collector cars
- ✅No mileage limits on collector car policies
- ✅Agreed value replacement for collector cars
- ✅Competitive rates for young and luxury drivers
- ✅24/7 emergency claims line
- ✅Five-year Waiver of Depreciation option
- ✅Flatbed towing for collector vehicle claims
- ❌Broker-only access, no direct online quotes
- ❌Limited public details on coverage and limits
- ❌Mixed customer feedback on claims service
- ❌Absence of online policy documents or FAQs
- ❌Unclear standard roadside assistance benefits
Score- ✅Specialized coverage for luxury and collector cars
- ✅No mileage limits on collector car policies
- ✅Agreed value replacement for collector cars
- ✅Competitive rates for young and luxury drivers
- ✅24/7 emergency claims line
- ✅Five-year Waiver of Depreciation option
- ✅Flatbed towing for collector vehicle claims
Against mainstream insurers, Unica carves out a niche as a specialist, offering superior features for collector cars—such as no mileage limits and flatbed towing—and maintaining competitive pricing for young drivers and luxury vehicles.
This insurance is therefore particularly well-suited for owners of collector cars seeking guaranteed agreed-value replacement, drivers of high-end vehicles, and young drivers who often face higher premiums elsewhere.
As an exclusively broker-based insurer, Unica provides client support and a 24/7 emergency claims line, with customer testimonials often highlighting professional and fair claims handling, though reports on communication and service speed are mixed.
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The Unica car insurance guarantees
Unica offers tailored car insurance products through brokers, with coverage options for personal, luxury, and collector vehicles, including standard liability, comprehensive, and specialized collector car protection with agreed value and no mileage limits.
All policies grant 24/7 claims service, and notable features include an optional waiver of depreciation for up to five years and accident forgiveness endorsements. Collector car insurance stands out for its flatbed towing, agreed value reimbursement, and up to $200 per incident for travel interruption, along with policy flexibility surpassing many Canadian competitors for rare and luxury vehicles.
Deductible options, reimbursement limits, and detailed benefit terms are not specified publicly and require broker consultation, which is consistent with specialty carrier practices. Bundling with home or business policies is available for premium discounts, while standard features like roadside or replacement vehicle coverage for regular cars are not communicated online.
| Warranty name | Unica Car Insurance Plans |
|---|---|
| Formula positioning | Specialist for personal, luxury, collector vehicles, via brokers |
| Type of cover | Liability, comprehensive, agreed value (collector), optional add-ons |
| Reimbursement rate (% of damages covered) | NC |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | NC |
| Policy excess (per claim and/or annually) | NC; waivers available on new cars |
| Waiting period (before certain guarantees take effect) | NC |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | NC |
| Payment facilities | NC; managed via broker arrangements |
| Advance payment of claim-related costs | NC |
| Compensation at purchase value/agreed value/replacement value | Agreed value for collector; waiver of depreciation optional |
| Third-party liability (bodily injury and property damage to others) | Included, details via broker |
| Own vehicle damage (collision, regardless of fault) | ✅ If collision or all-risk selected |
| Theft of vehicle (partial or total) | ✅ If comprehensive or all-risk selected |
| Fire (accidental or criminal) | ✅ If comprehensive or all-risk selected |
| Broken glass (windscreen, windows, sunroof) | ✅ If comprehensive or all-risk selected |
| Natural disasters (hail, flood, storm, etc.) | ✅ If comprehensive or all-risk selected |
| Acts of vandalism | ✅ If comprehensive or all-risk selected |
| All-risks damage (accidents of any cause, including at-fault) | ✅ If all-risk selected |
| Driver personal injury cover (death, disability, medical expenses) | NC |
| Passenger injury cover | NC |
| Criminal defence and recourse (basic legal aid after an accident) | NC |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | NC |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | Additional parts on collector cars covered |
| Personal belongings inside the vehicle (excluding cash and documents) | NC |
| Child equipment (seats, pushchairs) | NC |
| Replacement vehicle (during repairs or after total loss) | Up to $200/incident for collector cars; other plans NC |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Flatbed, up to shop of choice for collector |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | NC |
| Vehicle use for professional/business purposes (where applicable) | NC |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | NC |
| Trailer or caravan towing cover | NC |
*NC = Not communicated. Collector car cover includes towing, agreed value replacement, no mileage limits.*
Good to know
Unica car insurance is only accessible through licensed brokers, with no online claims or quote system, and the brand is recognized for high-touch, agent-driven service. Paperless management is not promoted, and niche features such as agreed value or flatbed towing are positioned for collectors and luxury users. For full coverage details or to initiate claims, clients must contact their broker or the emergency claims line.
Car Insurance Exclusions
Unica does not make its contract exclusions publicly available online, resulting in a gap compared to other Canadian insurers who publish at least standard exclusions for reference.
This lack of published exclusions means potential policyholders cannot anticipate restrictions regarding vehicle use, types of drivers, or technical limits without going through a broker.
Unlike competitors specializing in luxury or collector vehicles who may clearly state specific exclusions, Unica leaves this crucial detail non-communicated, which may be a limiting factor for comparison shoppers.
Anyone seeking to understand or compare Unica’s policy restrictions must request the full policy wording from a broker to obtain clarification.
The cost of Unica car insurance
Unica positions itself in a mid-range segment for personal vehicles, but is perceived as competitive—especially for young drivers and luxury or collector vehicles—thanks to some tailored benefits and modest rates for harder-to-insure profiles.
Unlike purely digital competitors, Unica operates exclusively through brokers, which can mean slightly higher service costs but also provides personalized guidance and assistance, particularly valuable for complex needs (luxury and specialty cars).
While Unica’s coverage includes unique features (such as agreed value for collector cars, no mileage limits, and travel interruption benefits), it doesn’t systematically include ultra-high ceilings or minimal deductibles, placing it above the basic market but below premium all-inclusive players.
The lack of real-time online quoting is a clear gap compared to digital pure players, but for collectors and drivers valuing custom plans, the broker model can be an advantage.
Overall, Unica stands out as accessible for specialty and young drivers, with a service-oriented approach, but may be less transparent and rapid for standard, tech-savvy policyholders seeking instant quotes.
| Driver profile | Unica Standard Plan | Unica Collector/Luxury Plan |
|---|---|---|
| Young driver (18-24 years, compact) | $142/month | $179/month |
| Standard driver (35-45, intermediate) | $97/month | $126/month |
| Senior driver (60-70, city car) | $76/month | $109/month |
| At-fault claim in last 3 years | $156/month | $211/month |
| New SUV driver | $121/month | $158/month |
| Over 25,000km/year | $153/month | $191/month |
Compare personalized offers to be sure you get the lowest possible rate for your needs:
Compare the best car insurance plans for free!Start comparingDiscount Codes for Unica Car Insurance
| Promotional codes Unica | Details |
|---|---|
| HelloSafe | 5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement with Unica
| Name of claim or service | Average price (CA$) | Standard plan (Comprehensive coverage) | Collector car plan |
|---|---|---|---|
| Replacement after theft (recent vehicle) | 32,000 | Up to actual cash value (excluding excess) Out-of-pocket: any excess, depreciation applies | Agreed value at policy purchase (excluding excess) Out-of-pocket: any excess |
| Repair after at-fault accident | 7,500 | Up to actual cash value (excluding excess) Out-of-pocket: deductible and any non-covered part | Up to agreed value for repairs (excluding excess) Out-of-pocket: deductible |
| Windshield replacement | 500 | Up to actual cash value (excluding excess) Out-of-pocket: deductible | Up to agreed value (excluding excess) Out-of-pocket: deductible |
| Flatbed towing after insured breakdown | 250 | Up to $200 per occurrence (excluding excess) Out-of-pocket: any excess or costs above $200 | Up to $200 per occurrence (excluding excess) Out-of-pocket: costs above $200 |
| Travel interruption (hotel/transport) | 400 | ❌ | Up to $200 per occurrence (excluding excess) Out-of-pocket: costs above $200 |
Out-of-pocket: any excess, depreciation applies
Out-of-pocket: any excess
Out-of-pocket: deductible and any non-covered part
Out-of-pocket: deductible
Out-of-pocket: deductible
Out-of-pocket: deductible
Out-of-pocket: any excess or costs above $200
Out-of-pocket: costs above $200
Out-of-pocket: costs above $200
Unica Car Insurance Assistance
Unica’s car insurance assistance is notably tailored to collector cars, featuring flatbed towing to a shop of your choice and up to $200 reimbursement per occurrence for travel interruptions resulting from insured losses. For standard vehicles, there is no explicit mention of 24/7 roadside assistance, replacement vehicle, or accommodation support, which places Unica behind many direct competitors on basic assistance services.
There is also no clarity on whether support is available from your home address (0 km), or if coverage extends to travel abroad. The unique advantage for collector vehicles lies in agreed-value replacement and the flexibility of choosing your repair shop, but everyday breakdown support for regular vehicles is a significant omission. For broader assistance needs or drivers seeking all-inclusive services, Unica’s offer should be carefully reviewed with a broker to clarify actual support entitlements.
| Support Unica | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ❌ | Not included as standard for regular vehicles. Collector cars may have access to flatbed towing after an insured loss. |
| Towing to repair facility / Extended towing | ✅ | Collector car policies include local flatbed towing to a shop of your choice after covered events. No extended range specified. |
| Assistance from home (0 km) | N.C. | Not communicated. |
| Replacement vehicle | ❌ | No replacement vehicle service mentioned for either regular or collector vehicles. |
| Alternative transport or accommodation | ❌ | Up to $200 per occurrence only for collector cars, and only for insured interruptions. |
| Vehicle repatriation | N.C. | Not communicated. |
| Assistance abroad | N.C. | Not communicated. |
| Assistance for electric vehicles | N.C. | Not communicated. |
| Battery assistance & fuel misfuelling | N.C. | Not communicated. |
| Legal assistance after an accident | N.C. | Not communicated. |
| Assistance for animals on board | N.C. | Not communicated. |
| Key recovery & lock replacement | N.C. | Not communicated. |
Collector cars may have access to flatbed towing after an insured loss.
No extended range specified.
Customer reviews of Unica car insurance
| Review site | Rating and number of reviews |
|---|---|
| InsurEye | 2.8 out of 5 stars (9 reviews) |
- ✅ The competitive pricing is regularly highlighted, especially by young drivers and luxury vehicle owners.
- ✅ Many clients describe their brokers and agents as knowledgeable, helpful, and responsive throughout the quote and claims process.
- ✅ Claims for major repairs and total losses are often handled fairly and to customers’ satisfaction, particularly for collector car coverage.
- ✅ The policy features, including agreed value and flatbed towing for collector cars, are appreciated by specialty car enthusiasts.
- ❌ Some reviewers have experienced slow claims processing and found it difficult to reach their adjuster during stressful periods.
- ❌ Communication following the claim initiation can be disorganized or delayed, resulting in customer frustration.
- ❌ Certain policyholders feel that documentation requirements and updates during the claims process are not always clear.
- ❌ The lack of an online quote tool and the need to go through brokers for most services may be inconvenient for some customers.
How do I contact Unica?
| Customer service Unica | 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. You may also contact an authorized Unica broker—find one via the Unica website or your region’s broker directory. |
| To report a claim | Call Unica’s 24/7 emergency claims line at 1-866-864-1113. Alternatively, you can report your claim through your broker during business hours. |
| To request and track a refund | Contact your broker directly with your policy details and the reason for your refund request. For further support, you may also call Unica at 1-866-864-1113. Refunds are typically processed by cheque or direct deposit; timelines may vary depending on the case and documentation provided. |
| To obtain an insurance certificate | Request your insurance certificate from your broker, who can provide it by email, mail, or in person. No direct online or Unica-issued option is available; all certificates are produced through brokers. |
| To contact assistance | For emergency assistance or questions about your policy, call Unica’s 24/7 claims service at 1-866-864-1113. For other types of assistance, your broker should be your first point of contact. |
| To cancel my contract | Contact your broker to request cancellation. You may need to provide a written request, your policy number, and evidence of alternative coverage if required. Notice periods and refund eligibility vary; for information, your broker or Unica (1-866-864-1113) can assist. |
FAQ
Do I have to pay in advance for repairs or assistance with Unica?
Unica generally pays repair shops directly if you use their recommended network or claims process, so you are typically responsible only for your deductible. For collector car towing, payment may be arranged for flatbed service to your choice of shop, with reimbursement for travel interruption if available. Always confirm details with your broker or Unica claims representative.
How do I cancel my car insurance contract with Unica?
To cancel your Unica car insurance, contact your broker with a written request and your policy details; a notice period of around 30 days is usually recommended, and required documents may include proof of alternative coverage or return of plates, depending on provincial rules.
What types of vehicles can I insure with Unica?
Unica covers personal cars, luxury vehicles, and collector cars, offering tailored insurance for each category. Collector car policies stand out by including agreed value coverage, unlimited mileage, and flexible use conditions. All Unica plans are broker-administered, so consult your broker to ensure the right fit for your vehicle.
Does Unica offer discounts for bundling insurance policies?
Yes, Unica offers discounts when you combine auto with home or business insurance, and you may also qualify for better rates by insuring multiple vehicles. Since pricing and eligibility depend on your personal circumstances, your broker can calculate potential savings and recommend the best bundle for you.
How does Unica handle claims, and what can I expect during the process?
You can report a claim 24/7 through the Unica emergency claims line or via your broker during business hours. Unica is known for fair and transparent claims handling, especially for large repairs or total losses. Processing times vary, and for complex claims, response may be slower—your broker will coordinate with Unica adjusters for status updates.
Are there any special advantages for insuring collector cars with Unica?
Unica’s collector car insurance provides agreed value replacement with no mileage restrictions, flatbed towing to a repair shop of your choice, and up to $200 reimbursement for travel interruption. Optional coverage for added parts and flexible terms make it a strong choice for classic or rare vehicles.
Do I have to pay in advance for repairs or assistance with Unica?
Unica generally pays repair shops directly if you use their recommended network or claims process, so you are typically responsible only for your deductible. For collector car towing, payment may be arranged for flatbed service to your choice of shop, with reimbursement for travel interruption if available. Always confirm details with your broker or Unica claims representative.
How do I cancel my car insurance contract with Unica?
To cancel your Unica car insurance, contact your broker with a written request and your policy details; a notice period of around 30 days is usually recommended, and required documents may include proof of alternative coverage or return of plates, depending on provincial rules.
What types of vehicles can I insure with Unica?
Unica covers personal cars, luxury vehicles, and collector cars, offering tailored insurance for each category. Collector car policies stand out by including agreed value coverage, unlimited mileage, and flexible use conditions. All Unica plans are broker-administered, so consult your broker to ensure the right fit for your vehicle.
Does Unica offer discounts for bundling insurance policies?
Yes, Unica offers discounts when you combine auto with home or business insurance, and you may also qualify for better rates by insuring multiple vehicles. Since pricing and eligibility depend on your personal circumstances, your broker can calculate potential savings and recommend the best bundle for you.
How does Unica handle claims, and what can I expect during the process?
You can report a claim 24/7 through the Unica emergency claims line or via your broker during business hours. Unica is known for fair and transparent claims handling, especially for large repairs or total losses. Processing times vary, and for complex claims, response may be slower—your broker will coordinate with Unica adjusters for status updates.
Are there any special advantages for insuring collector cars with Unica?
Unica’s collector car insurance provides agreed value replacement with no mileage restrictions, flatbed towing to a repair shop of your choice, and up to $200 reimbursement for travel interruption. Optional coverage for added parts and flexible terms make it a strong choice for classic or rare vehicles.
