La Capitale Auto Insurance Reviews

Worse insurance company ever. Never answer your questions on the phone and refuse to do anything other than tell you to read the letter they are sending in the mail.
Absolutely useless and unhelpful.
To avoid!!

I had wind/hail damage on my SUV last week, so I was hoping to get some nasty looking dents and scratches fixed. Filling a claim is easy, but despite calling several times every day to get my claims processed, I have yet to reach anyone! It always goes straight to voice mail. I also emailed, asked to speak to the claims' person's supervisor, you name it, and nothing. I found out that they only have a couple staff to handle claims like mine, so them picking up or returning your call is like winning the lottery. Needless to say, I'm shopping for a new insurer.

Worst insurance company ever! Worst experience ever with an automobile insurance company after a claim, they don’t like to pay out, only good to take your money. Even their complaint department is useless! Stay away from this company.

I had 2 cars insured with La Capital, but recently sold one of them to lease a new one. When I was looking for insurance for the new car, I found a MUCH better rate (~2/3 of the price), with another company, to insure both of my cars. When I cancelled my insurance with La Capitale, however, I was charged a fee of $15 for one car, which was near the end of its contract, and $115 for the other, which was ~6 months from the end of its contract (that's almost 1/4 of the annual premium). The one that I was charged more for had been insured with La Capitale for 8 years, but apparently every time the insurance was renewed, it was for a new 2-year policy (fine print?). The idea of being charged a cancellation fee after insuring my 2 cars for 8 and 14 years respectively strikes me as a ridiculous cash grab. La Capital now has $130 more of my money than I would have liked... but I will NEVER insure anything else with them. That $130 has cost them what could have amounted to thousands/tens of thousands of dollars in car/home insurance premiums in the future. That's not just bad customer service... it's bad business.

I had my insurance with La Capitale when someone did a hit and run with my car. I called them explaining it wasn't a big damage, so I was told they will fill only the information not as a claim and send me someone to review and estimate the damage before claim it. As per the price to repair that it wasn't that big, about 300$, I repaired myself. I called them to let them know I won't claim that hit and run and they said OK it won't be as a claim on your file. After 2 years I moved to another company because they offered me better price and I found La Capitale put in my file the hit and run as a claim and even saying they paid for the repair...1500$. More over they had the garage invoice where supposedly repaired my car. After called them for months I had to do all the paper work to get this fix, which was too much to do. I had to wait couple of year more to have a clean file. Thanks La Capitale !!!

I got into an accident in 2016. I gave them everything and filled out all the forms. Doctors letter, employers letter, police report and accident report. 4 weeks later I got a call from Theresa W; she said everything that was provided, was fake. Really police report, Dr's letter and accident report were fake. I asked her how can you fake everything. I argued with her. She said "Sir, you talk too much", When I signed up for the private claim insurance, the Broker told me, La Capitale will not ask you for anything "no question asked" as long as you provide all the documents... They lie about everything and it is a fake company. I got all my friends to cancel the policy with them. You should do that as well. As soon as possible.

Increased us every single year even if we NEVER had any claims, at our fifth year had an accident, voided half of the repairs our garage said should be done on the car just because we didn't agree for the work to be done at their garage. Our allowance for a rental was 45$ although the cheapest decent choice of car rental with all peril insurance is 59.95$. Paid us for comparable car that has 40k more km on the dash than us. The adjuster told us that we could have qualified for low km clients and they never told us this was an option.

Worst customer service I've ever met!
I've called them to insure my motorcycle but because it was not insured for 3 month (my brand new bike was on storage) they refused even to listen to me.

Stay away from them! I've got insurance from another great company with no issues at all.

I called for a quote and I felt I got treated as a second-class citizen because I newly obtained my driver license. The woman who answered the phone had a cold attitude, you can tell she wants to hang up the phone if she is not obliged to finish the quote. They mock your credit rating and force you to make a one time payment of $1700/ year, while no other insurance company does so, La Personnelle, Wawanesa and many more are at least $400 cheaper than La Capitale. After firmly said I'm not interested and do not call back ever again, they have the cheek to call me back on Saturday to harass me. You get a garbage service for a quote, imagine how you will be treated when you ask for a claim.