Echelon Insurance Review

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Echelon is a Canadian property and casualty insurance provider, delivering both commercial and personal insurance products coast-to-coast. Echelon specializes in car insurance, offering a variety of solutions including speciality auto insurance, motorcycle insurance, non-standard auto insurance, antique/classic vehicle insurance, recreational vehicle insurance, and more. Regardless of your car insurance needs, Echelon is a trusted insurance company that has been offering specialty products through agents and brokers for years.

With their head office located in Mississauga, Ontario, Echelon offers personal car insurance policies in Ontario, Nova Scotia, New Brunswick, Prince Edward Island, and Quebec.

What's considered specialty car insurance?

Echelon is known for offering in specialty insurance including the following:

  • Motorcycle insurance
  • Antique/vintage car insurance
  • High-risk insurance
  • Exotic car insurance
  • Recreational vehicle insurance
  • And more

Who needs high-risk car insurance?

High-risk car insurance is for those who struggle to find affordable car insurance due to their poor driving record or claims history. When it comes to car insurance, many insurance companies won’t offer their services to high-risk drivers, and those who do offer it at a very high premium. However, at Echelon, they believe that all drivers should have access to car insurance that doesn’t cost an arm and a leg. While it can be difficult for these high-risk drivers to get car insurance, Echelon is a top choice, providing adequate coverage at competitive rates.

Is Echelon Insurance a good company?

In Canada, Echelon is a top choice for car insurance for the following reasons:

  • Insurance for drivers with challenges  – echelon believes car insurance should be accessible to everyone.
  • Coverage for all types of vehicles – whether you drive a sports car, motorcycle, antique car, RV or otherwise, Echelon has you covered.
  • Lower premiums for special risks – Echelon offers unique insurance solutions that don’t break the bank.
  • 24/7 insurance claims service – Should you need to file a claim, you can reach an Echelon insurance agent 24/7, via phone or email.

Why are Echelon premiums so high?

When comparing Echelon insurance premiums to other insurance companies, you will notice that they sit on the higher end. This is likely because Echelon serves a large number of high-risk drivers who aren’t able to find an insurance policy elsewhere. Whether they have been charged with impaired driving, have had their license suspended or have received several driving tickets, insurance providers are less willing to offer them their services. Not only is it difficult for high-risk drivers to get their hands on an insurance policy, when they do, they come at a steep price. However, while Echelon insurance premiums may be high, they are still cheaper than the rates offered by the Facility Association (which is normally a last resort). Echelon also offers insurance coverage to drivers who have less driving experience or a bad driving record.

Can I get a discount on Echelon insurance?

Most insurance companies offer discounts on their auto insurance policies and Echelon is no exception. However, the type and amount of discount you get will depend on your individual situation and the specific terms and conditions of your policy. If you are unsure whether you’re eligible for a discount or not, be sure to ask about how much you can save on an Echelon car insurance policy.

Does Echelon offer optional insurance?

In Ontario, a standard Echelon car insurance policy offers the mandatory requirements by law, which includes third-party liability, accident benefits, direct compensation property damage, and uninsured motorist coverage.

Third-party liability: Protects you if you’re being sued for physical injury or damage to someone else’s property following a car accident.

Accident benefits: Accident benefits provide financial coverage should you or someone else be hurt or killed in a car accident.  Accident benefits also protect any passengers or pedestrians involved in the accident.

Direct compensation property damage: Direct compensation property damage covers any damage to your vehicle as well as the valuable contents of your vehicle when you are not at fault in an accident.

Uninsured motorist: This provides protection should you be involved in an accident with an uninsured driver or you are involved in a hit-and-run.

Should you wish to have extra protection and peace of mind, you can always add additional coverage to your policy or increase your coverage limits, however this will come at an additional cost. Most high-risk drivers choose to forgo optional coverage as their premiums are quite high to begin with.

How do I submit a claim with Echelon?

When it comes to submitting a claim with Echelon, customers have access to a 24/7 insurance claims service.

Submit a claim by phone: When you suffer a loss or damage to your car, you may report it to your agent or broker. If you are unable to reach your broker then you may call the department for emergency claims anytime 24/7. You may call 1866-931-0570 to reach the Ontario and Alberta locations. You may also call 1866-252-2854 or 905-214-7880 and press option #1 to report a claim.

Submit a claim by mail: If you wish you may mail your documents to support the claim. The mailing address is 2680 Matheson Blvd East, Suite 300 Mississauga, Ontario  L4W 0A5. You may send your documents to the attention of the claims department to direct your mail.

Submit a claim by fax: In case you want to fax any documents then you may fax it to 905-214-7891 or 905-214-7892.

Submit a claim by email: You may also email your claim request to [email protected].