Pembridge Insurance Auto Insurance Reviews

I have a car and tenant insurance with Pembridge for more than one year. In the first year, they gave me a mobile application to monitor my driving behaviour. After the first year, the app gave me a 22% discount. I cancelled tenant insurance and wanted to stay with Pembridge for the car insurance as they promised to give me this discount. Instead of it, I got much higher. First-year I had total for car and tenant insurance CAD1660. Now I have CAD1897 only for the car. I stayed with them for one year as I did not have time to look for a new company and they put a cancellation penalty (CAD250). Definitely, I will change them to another company next year, or even faster. So, do not use Pembridge.

Beware fraud, unprofessional and untrustworthy. We sign up with Pembridge insurance in February and I was quoted $590 /monthly for home and auto and in April they started taking about $790 from my account. I contacted my broker manager at Stoneridge insurance at Mississauga and he promised me that he will talk to insurance and get it fixed. After so many calls he told me that Insurance declines my discounts because I didn’t agree to get a device on my car but I never received any emails or text from insurance. He gave me a contact of a manager at insurance (insurance never gave you any information and told me to speak with a broker). The manager said they weren’t given my information on time by the broker and broker said he did. By that time 3 more payments were taken out from my account. So, at last, I was promised to cancel my insurance without penalty. What that wasn’t end of it? I was slapped with threats of paying a cancellation or effecting my credit scores and insurance said to speak with my broker and broker was very rude and stopped taking my calls and stopped replying my emails. At last, after suffering for 4-5 months matter was resolved with the help of my legal advisor (but I still don’t trust them).

I had insurance with this outfit for nearly 1 year and never received a pink card (other than by email and only when I requested one), I never received a printed policy and when I called them I was always informed they were busy and the policy would be mailed shortly. I moved and informed them and they emailed a new pink card but still no paper pink card. I cancelled the policy and after two months got a phone call from a collection agency that informed me I owed $89.00. I had not received any communication from Pembridge regarding this but found that they were sending mail to the former address and not the new one. This, of course, shows up on my credit rating. Not a good experience, stay away from this company!

We paid for the full-year premium to renew the Pembridge insurance. Our insurance renewed Feb 1st every year. We paid for the whole year. They told me they want us to pay an additional for this policy year in March after we paid in full and premium started. We also being "threatened" that if I am not paying the premium, it may have a risk of non-payment record which results in higher premium next year. Also, it may have a risk of cancellation of policy due to non-payment. The reason that the insurance company told us saying that they have a system error. The new bill being generated Feb 25th, 2019 and send to me. The renewal that I have paid is generated Jan 9th, 2019. The renewal date is Feb 1st, 2019. As a customer, we feel unfair and ripped off because after we paid in full with a contract, we are being "threatened" asking for more during the contract terms or else our policy will be cancelled and have a non-payment record.

Shortly after buying both home and auto policy with Pembridge through PC Insurance I received letters in the mail indicating that they did not receive my payment and I would have to pay the full policy up front as well as a $50 fee for both policies. I contacted PC financial to find out what happened as they had my direct banking info, they said I gave them the wrong information and it was my fault. I gave them the information again, and asked them to open an investigation, as I was sure I read the numbers on my cheque correctly. I received a voicemail a day or 2 later confirming that after they listened to the recording, they realized I did give them the correct banking info and it was their fault. They said they would wave the fee and they would just take the 2 missing payments. I should have checked my bank account because they did not take the payments. I got an email from PC about a month and a half later saying they just want to make sure I received the message from Pembridge that they didn't receive my payment. I called right away and asked what happened, as I was told the payment issue was resolved, they put me on hold while they called Pembridge, the representative then came back and said the policies were cancelled 2 weeks prior due to non-payment. I said that was crazy, why wasn't I contacted? She did not have an answer and said they could not reinstate my policies and there would be a 2-week waiting period for them to find me another insurer. On top of that, it's difficult to get insurance when your policy has been cancelled due to non-payment!!

Honestly, there should be an option to give a company, who deserves it, a “zero star” rating. I am utterly disgusted by the service I experienced from Claim Advisor, JOANNE T. I advise anyone who gets her as their advisor to switch immediately or you’re going to be dealing with a lot of unnecessary stress by her lack of work experience, knowledge, common sense, professionalism, and compassion to the situation. This person would never respond to my phone calls; was always on mini vacations; would break promises; never completed her task on time and so forth. The only reason why my claim ended the way it did is because of her lack of professionalism and care. On top of this, I requested my insurance to be cancelled 4 times! And they still withdrew money out of my account when I had no vehicle due to an accident. The whole experience was a complete mess, and I would always deal with a problem after another. What was more mind-boggling was their excuses but I don’t want to get into that right now lol. PLEASE DO YOURSELF A FAVOR AND GET INSURANCE FROM A DIFFERENT COMPANY!

They did not notify me of cancellation back in February. Now it's making renewal harder...

They also changed their policy so they don't accept monthly payments so now they want $2800 all up front to renew.

Done with this company.

Experienced my first not at fault accident in over 10+ year of driving and thou Pembridge has been my insurance company for the last 5 or so years accident free , what a horrible experience it was with my claim.
Alex was my claim assistant and no matter how much I called and left messages and called and left message I would never get to speak with her. I got to my frustration point and went above her to her so call Supervisor or Manager Jose absolutely NO Better.
So my accident happen in December 2016 and thou I had to literally run after the person that hit me sending me into a park car, because she drove off, she allowed her son who was not at the accident to give the police report at the collision centre and give a totally different story (now I see how worthless people really are) which Pembridge easy gobbled up and told me the stories are conflicting so I now have to pay my $1000 deductible. Absolutely LUDACRIS! On top of that the accident accorded at the end of the second week in December I opted to choose my own repair shop to ensure the job was completed properly. They did not sent someone out to access my Vehicle until the second week of January 2017 and at which point they now wanted the bodywork shop to hurry the job, after my vehicle sat at the body shop for 3-4wk at Pembridge delay.
Making matters worse the adjuster calculated the repair time incorrect and Pembridge had to extend the rental vehicle I had and basically Jose the Supervisor said NO we’re not going to, it’s the fault of the body shop, keeping in mind Pembridge took 4wks to actually send out the adjuster, and I had to return the rental on a cold snowy evening even thou my vehicle was not ready. HORRIBLE, HORRIBLE, HORRIBLE.
If this is what I pay $187/mths for I don’t want their service. I will definitely be looking for new cover and would ABSOLUTELY NEVER refer Pembridge Insurance to anyone.
DISGUSTED SERVICE