AMA Auto Insurance Reviews

During COVID times, my father was in and out of the hospital and I was in an air cast for almost 6 months. My daughter and I worked together to become a multigenerational household to reduce expenses. Unfortunately, by doing this, the AMA decided that by having my daughter and son-in-law in the same home, I have to put them as full-time drivers on my policy changing my insurance payments from ~233$ per month to~550$ per month. Resetting my policy back to day 1. They then demanded that I pay the first 3 months immediately as a new client/policy, not even taking into account the 15 interrupted years as a client. It’s heartbreaking to be treated so poorly. There was some miscommunication during the move, but it was not necessary to be so aggressive and threatening in their response. I guess this is just an invitation for me to leave and look for a different insurance company that cares about loyalty, history and compassion during difficult times.

I notified AMA insurance that our house had sold on July 25th. When I was asked for our new address, I let them know that we are living in a fifth wheel until we figure out where we are going. I let them know we are going to spend a couple of months on Vancouver Island in the winter, and that we planned to go across Canada in the summer. I did not give time frames, nor did I say we would be leaving Alberta permanently. On Thursday, August 16th my husband and I both received e-mails and phone messages telling us to contact AMA immediately. The phone message said that because I had not sent in my confirmation of the primary driver, my auto insurance would be cancelled. I called them and asked what they meant. I've had the car since November 2014 and have never had to submit such a thing. I was told that a registered letter had been sent to my last known address on July 30th. I, of course, had not received that letter since we had sold that house. When I pointed that out, she then proceeded to tell me that I was moving to BC and would be travelling around Canada and the US, so, therefore, they could no longer insure me. WHAT? I told her we were NOT moving to BC and that we were not travelling to the US in our fifth wheel. I also told her our home base will be Alberta. She did not take my new address. I have several questions about this. 1. since when does an insurance company get to dictate where I travel? 2. Why would anyone send a registered letter to somewhere the person no longer lives? It took two weeks to contact us by e-mail and phone. Would that not have been the way to connect in the first place? 3. I was told that AMA is only licenced in Alberta so they could not provide us service in other provinces. My insurance policy went to the end of November. As of this date, I have been in Alberta for all but two weeks of the year. Does that mean we would not have been covered in the other province we visited? I am thankful that I have never had a claim. I suspect it would have been a gong show with how AMA has handled this situation. Total crap service! When I complained about this formally, I was connected with someone who was "reviewing" our situation. I was told our insurance would be reinstated. They acknowledged that they should have found another way to contact us for the information they required. So, the "reinstatement" is: a reduced liability coverage and no collision or comprehensive. Complete garbage. We are looking for alternatives since their reinstatement as it stands is not acceptable.