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Echelon Insurance Company.

1.8/5 (30 Reviewers)

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Company Overview

• A specialty vehicle, such as an exotic car, a sports car, or a collectible
• Multiple accidents or claims on your insurance record
• Lapses in coverage
• A business in construction, food and hospitality, or other high-risk industry
• Any other factor that may cause you to face higher premiums

Echelon’s Competitive Advantages

• Unique Underwriting Process – During the underwriting process, insurers consider how risky someone would be to insure. The more likely that your insurer believes you are to file a claim, the higher your premium will be. Echelon has a unique underwriting process allows them to offer rates and options. To customers That fall outside of the main stream underwriting guidelines of the standard insurance companies.
• Insurance for many types of vehicles – Even if you have a good driving record, owning a classic or collectible car, a classic motorcycle, a sports car, or an exotic car may be considered a special risk for other insurance providers. Echelon provides coverage for all types of vehicles, even those that may be more costly to repair or replace.
• Lower Rates – If you are a high risk driver, then your insurance options may be limited to the costly coverage that the Facility Association provides. Echelon provides affordable insurance coverage for those who may find it difficult or even impossible to get coverage often at lower rates than what Facility offers.

Echelon’s Key Insurance Products Available in Ontario

Non-standard Auto Insurance

• Automobile
• Motorcycle and trail bike
• RV
• Travel trailer
• Collector vehicle

Commercial Insurance

• Commercial auto
• Commercial Pak
• Business Owner’s Value Pak
• Commercial liability
• Boiler and machinery
• Warranty programs
• Creditor protection

Rating: .5 .5 /5 stars

Absolute liars and will steal your money , Stay away !!

Sam Vinog on 2024-12-12 12:32:49

Echelon Insurance are absolute liars and natural legalized criminals. I have never had a single claim or accident with them.
Have had exellent safety records and in the middle of the term Echelon placed my company into high risk , cancelled part of the policy and tripled the price for the remaining part. As a result I had to shut down my transport company Andre Vachon Inc and fire all of the employees.

Echelon have lied that I am a high risk , and as a result I was refused the insurance by all other insurance companies. We need a class action against them!

Rating: 2 2 /5 stars

You get what you pay for

Jim Tan on 2024-12-08 22:55:06

I had a long conversation with Echelon and different people at various levels within Echelon Insurance.
Echelon Home Warranty is quick to reply; I give them two stars for that.
In the end, an Echelon representative informed me that system failures are either due to old age or lack of maintenance, and as you know, both of these cases are excluded from the Echelon Home Warranty program. As a result, I had to pay for the system failure myself.
This is what you should expect from Echelon with a one-year free home warranty program.
If you are looking for premium insurance, don’t go with Echelon Home Warranty or any other free program.
Echelon Insurance makes money from those who are too lazy to cancel the home warranty program at the end of its free term.

Rating: .5 .5 /5 stars

Don’t even think about doing business with Echelon

Ken Andres on 2023-12-13 11:40:11

The worst company ever

Rating: 3.5 3.5 /5 stars

My appraiser was good to me during a difficult time

on 2023-08-30 16:46:22

Micheal was very good with me. Took care of everything.

Rating: 2.5 2.5 /5 stars

Could have better service

C Blais on 2023-08-28 21:16:25

Got some support from the car detail. But didn’t like the piles of paper for the health claim. Everything is on line and it very frustrating to get the proper detail.

Rating: 1 1 /5 stars

Please go elsewhere

Sasha Thompson on 2023-05-03 13:37:59

I have never been more disturbed by an agency. The treatment of costumers is less than dirt, and yet their employees are treated even worse. Bullying administrators, unfair dismissals, favoritism, and blatant degradation of departments deemed “lower.” I refuse to support a business run by grown adults that have not realized they are not longer in high school. Who treat employees that are instrumental in their success with blatant disrespect and threaten their jobs or ignore staff completely. I have called several times for my claims to only be bounced to other admin who ultimately only end up hanging up on meeting. This is capitalism at its finest.

Rating: 1 1 /5 stars

Don’t use them

Amanda on 2021-08-09 12:43:27

Renewed my dirt bike and less than 14 days sold it for a new one. They not only charged a lot to insure a bike 2x the amount of others they don’t refund you full amounts. They took a $100 for 14 days as a charge, huge rip off. My bf goes through intact and was able to get a full refund after 2 months when he bought a new bike. Very disappointed with this company

Rating: 1 1 /5 stars

Worst insurance company ever!

Zara Fitzgerald on 2021-06-13 8:16:12

I am moving to Manitoba and I am aware that echelon are UNABLE to insure me over there. As THEY are UNABLE to continue insuring me I needed to cancel my policy. They want to charge me 20% premium and a cancellation fee because THEY can’t insure me where I am moving. I was also informed if I was to DIE they would still continue to charge me and request a cancel fee and a premium if I was DEAD!!! DO NOT BE FOOLED into going with this company. They do NOT care about their clients they care about MONEY! Not you or your safety!

Rating: 1 1 /5 stars

Echelon Abused my Credit Card !

Graham Neale on 2021-05-24 16:48:43

My story is rather different (I am NOT insured with Echelon myself). An acquaintance with a very poor driving record begged me to make an initial $400 (one month) deposit with Echelon so they could get insured. I duly gave my credit card details over the phone to a female Echelon representative. It turned out that Echelon needed not $400 but $843.16 to cover the first TWO months of insurance. I foolishly agreed and my VISA was duly debited on May 7th. I SPECIFICALLY stressed that I was making a ONE-TIME payment and the Echelon rep agreed to my instructions. Imagine my disgust when I discovered today (May 24th) that Echelon had used my VISA card AGAIN for another $421.58 without any authorization whatsoever from me! This is fraud in its purest form. I now have to deal with the hassle of contesting this illegal payment with VISA and/or obtaining a new card.

Rating: 1 1 /5 stars

hard to deal with

Ken on 2021-05-18 17:12:58

I finally got fed up ( 4YEARS) arguing with them each year trying to slip in new charges that I did not want or ask for. Typical INS CO. Lies. Lies. Lies… run around…more Lies
CANCEL! BYE BYE.

Rating: 1 1 /5 stars

Stay away- worst decision

T.Roberts on 2021-04-19 19:42:08

This operation was the worst- never have I ever experienced this kind of treatment with a claim- I first have to pay for two months of fees, then pay another right away- and if you cancel within the policy time frame u somehow get billed again and hounded for an outstanding last month fee- if u have a claim they pawn it out to a thirst party who only messages u by text and leaves NO contact info- we were 2.5 months before we could resolve a clean cut deer accident- most of that time the truck sat at the tow operators as no one came to assess it for 4 weeks!

Rating: 2 2 /5 stars

Still questioning.

Cdn_medic on 2021-02-01 9:09:54

My broker suggested echelon. So I said ok. These people say they want 2 payments upfront to start the policy. Then 2 weeks later and additional payment. That’s 3 payments in one month?? Then I was told, due to the date I switched to them. Payments would have to be raised to over $600 a month for the 1st year due to policy start date? Doesn’t make any sense to me. They better get with the program or I will have to get my lawyer involved. 2 star rating for now

Rating: 1 1 /5 stars

Stay far away

Raymond on 2021-01-01 20:21:53

Way over priced and have no concern for their customers other then their money. I pay more for insurance now then when I started driving. The broker I have is just as bad over at Petley Hare limited. They lie and tell you that’s the best they can do. I’m struggling with everything, especially during these challenging times with no help from these Selfish bastards. Warning stay away from these companies. Their all crooks with castles sucking everyone dry.

Rating: 1 1 /5 stars

Worst company ever

Jessika Mizzi on 2020-07-09 17:51:26

Don’t ever sign with them! They will screw you over!

Rating: 1 1 /5 stars

Echelon is The Worst

J on 2020-03-01 8:59:50

No communication and no concern for the customer. Go with Any other company before this 1.

Rating: 4 4 /5 stars

Confused by Echelon/CAA

Stewart Taylor on 2020-02-25 23:20:39

I have been insured with Echelon for two seasons for motorcycles and with CAA for cars/home.
CAA provides motorcycle roadservice in Niagara area and apparently owns Echelon but will not provide motorcycle insurance, seems counterproductive.

Rating: 1 1 /5 stars

Horrible avoid at all costs this company take advantage of the less fortunate

Melanie on 2020-02-02 20:10:48

My son has insurance through Echelon. He got a ticket so was considered high risk. His engine blew in his vehicle so he tried to change his policy to fire and theft only to keep his insurance open until he purchased a new vehicle. They refused to give him fire and theft because they apparently do not offer this. They said he would have to either pay his full insurance payments until he buys a new vehicle or cancel. If he cancels they charge an $800 cancellation fee plus keep his last months deposit then once he buys a new car he can open a new policy and pay 1st and last all over again. And get this…. even if he keeps paying his payments and transfers the insurance to a new vehicle this cancellation rule stands as well. So just to transfer to a new vehicle he has to pay $800 plus lose his original last months deposit plus have to pay 1st and last again. This is robbery!! Totally taking advantage of someone because this is their only option. SHAME ON YOU ECHELON

Rating: 1 1 /5 stars

Peel

Gbran on 2020-01-30 0:22:41

It’s so expensive and no responsible for them clients ….. I applied with this company from month ago and they give me a bad price it was so expensive and they took first and last payment and for the next month to without sending the pink paper after when the temporary paper is done and when I asked for cancellation they took too payment for just one month

Rating: 1 1 /5 stars

avoid atallcosts on 2020-01-17 11:19:51

To even get insurance you have to pay a down deposit ,
Then it doesnt end there,

it takes FOREVER,
nobody answers the phone, the company they have working for them in nova scotia is ridiculous,
Crawford and company , no one answers the phone there either,

asking for information on a childs FULL NAME and birthdate to replace a car seat seems very invasive to me considering children are NOT on the car insurance.

Rating: 1 1 /5 stars

Worst company to deal with

Ashley on 2020-01-11 10:14:10

We were with Echelon for years. We were renewed and they wanted too much for our policy. We cancelled in November. Sent our broker signed letters November 24th and received a response it was received. Now in January we are being told we are being cancelled for non payment and we are waiting for a collection call. Meanwhile we cancelled months ago? It’s also impossible to contact anyone regarding this. Just stay away. I know when you are all risk you feel as if you should go with anyone who will take you but put the extra work in now finding another company so when the time comes you aren’t dealing with them

Rating: 1 1 /5 stars

Unless you want to be sent to collections months after cancelling policy don’t sign with them!!!

Ashley on 2019-11-15 10:32:52

They double billed me twice in a row and wouldn’t resolve it. I cancelled my policy in april and sent the form electronically as they requested over the phone. They then double billed me after the fact and it’s now November and I’m recieving calls from a collection agency saying i owe them money which is impossible because my account was up to date! They don’t care about their customers, they only care about the money!!!

Rating: 1 1 /5 stars

Stay away from echelon

Another unhappy customer on 2019-11-01 11:23:02

Incompetent and dishonest

Rating: 1 1 /5 stars

Horrendous

Bob on 2019-09-12 21:21:55

Very difficult to reach anyone. I finally gave up trying a connection by phone and wrote a letter asking to cancel my policy–two weeks later, still waiting for a reply.Simply awful.

Rating: 1 1 /5 stars

Stay away if you can. If you have to report and accident or get ahold of this company good luck .

Shaun on 2019-08-28 14:57:32

Impossible to get information threw and an endless waiting game . I pay far to much for this level of professionalism .

Rating: 5 5 /5 stars

Great company

Cassandra on 2019-04-30 1:24:04

I’ve been with echelon for over a year now and I have to say my experience has been great with them! I highly recommend

Rating: 1 1 /5 stars

Totally unproffesional.

Lucas on 2019-02-28 16:30:31

Was away for work received mail saying my payment had bounced and was required to pay a late fee as to be expected. Attempted to pay before the date that they had provided me as the cut off and was informed they had changed the date an now my policy was void. They take payments out on any day of the month absolutely no consistency as well as never even sending me my cards regardless of the fact I contacted them twice, have been driving around with email proof from my broker instead. Terrible company

Rating: 1 1 /5 stars

Miss treated

Sid on 2019-01-17 18:20:34

This company is fraud . Especially people working in M&W who dealt with my case . Yes I have a few tickets that’s why I took this company. #highriskdriver

I had a claim . No response from the adjuster. Been over a month.

They treat me like , I did a terrible mistake. I actually did choosing M&W & Echelon

Rating: 0.5 0.5 /5 stars

was a bad choice

luann watts on 2018-11-27 16:22:53

Overdraft charges because of idiocy on their part – not accountable – they seem to forget that we are the consumer. Disrespectful corporate bullies.

Rating: 1 1 /5 stars

NO RESPONSE

LORNE JAMIESON on 2018-10-11 12:12:11

Company personnel do not respond.One letter -two emails and no answer.

Rating: 5 5 /5 stars

Paul

Nick D on 2018-07-27 6:33:34

LOVE this company. MAJOR savings!! Thank you!

Rating: 5 5 /5 stars

Jason on 2017-11-10 1:44:28

So far so good reasonable rates

Rating: 5 5 /5 stars

Andrew on 2017-10-23 15:47:48

Statefarm jacked my motorcycle insurance rate way up, Chris got me a great rate with Echelon motorcycle insurance that was less than what I was paying with Statefarm! 😀 Seems like a great company but it took a while for me to get my paperwork from them in the mail. 🙁 apparently they were backlogged this summer with all kinds of people loving the sweet rates!