2.9/5 (29 Reviewers)
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The Wawanesa Mutual Insurance Company of Canada has grown into one of the largest P&C insurers in the country and is known for its huge list of discounts and special packages.

Wawanesa Mutual Insurance Company

HeadquartersWinnipeg, Manitoba
Employees5,500 (2023)
Canadian Mkt. Share*5.66% (2022)
Insurance ProductsAuto, Commercial, Home, Tenant, Condo, Seasonal Dwelling, Farm, & Personal Insurance
Provinces LicensedAB, BC, MB, NB, NL, NWT, NS, NU, ON, PEI, QC, SK, YT
* Of all private P&C in Canada by net premiums written, excluding life and purely A&S companies.

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Speak with one of our brokers about any questions you may have about Wawanesa Insurance products: rnSpeak with an Ontario broker today: 1-800-731-2228

Company Overview

Wawanesa offers coverage throughout Canada via an extensive network of independent insurance brokers, except in Quebec, where company agents distribute its products. Wawanesa also operates in California and Oregon in the US. They have become known for great discounts on car and motorcycle insurance.

Wawanesa Insurance has plenty of reasons for Ontario consumers to be excited about home, auto, and commercial insurance. Most recently, Wawanesa Insurance unveiled a discount in Ontario that gives consumers 50 percent savings on motorcycle insurance if it’s bundled with home and auto coverage. “Wawa” also offers discount bundles on home and auto insurance. It is proactive programs like these that help to make Wawanesa Insurance so popular throughout Canada.

Consumers also turn to Wawanesa Insurance for:

  • Comprehensive home coverage
  • A strong dedication to adding new discounts to its already extensive list of money-saving options
  • Guarantees on the work done by auto repair shops that the company recommends to its clients
  • Flexible farm insurance coverage that can fit into any farmer’s insurance needs

Wawanesa Canada’s Strengths

You don’t have to look very far to find advantages to working with Wawanesa Insurance. The company has been attracting new clients for years based on the value that it offers, and the underwriting expertise that allows it to create custom solutions for clients in personal and commercial lines. Some of the more prominent advantages of doing business with Wawanesa Insurance include:

  • Automotive Discounts – Includes discounts for anti-theft devices, driving experience, farmers, loyalty, older drivers with no accidents, multi-vehicle, multi-product safety enhancements, retirees, and recreational vehicles.
  • Community Presence – Insurance companies make it a point to highlight their charitable work, but Wawanesa Insurance has a corporate policy that makes it active in every community throughout Canada that it services. This is a dedication to Canadian communities that is more comprehensive than most insurance providers.
  • Simple Process – Wawanesa Insurance has become known for making the process of administering insurance easy for brokers, and the process of buying insurance easy for consumers. While there is a strong focus on customer service, Wawanesa Insurance also takes the time to make sure that consumers and brokers have the resources they need to make each transaction simple, but maintain a high level of quality with each product.

Wawanesa Canada’s Insurance Products

Wawanesa’s many lines of products are administered by a network of brokers who understand how to utilize the company’s many discounts. While Wawanesa Insurance does not offer comprehensive discounts for all of its lines, it does make sure to offer premiums that fit the budget of each and every client.

Wawanesa Car Insurance

Wawanesa Insurance’s main line of products would be its auto insurance products. The company offers full lines for all types of vehicles, and you can get even more discounts if you:

  • Have no tickets or violations of any kind
  • Have children certified as completing the driver training course for your province
  • Have been accident-free the past six years
  • Are a driver over the age of 50 who meets the other requirements

Wawanesa Home Insurance

Wawanesa Insurance offers home insurance for a range of home types, and with a variety of features.

  • Homes
  • Mobile homes
  • Condos
  • Tenant insurance for renters
  • Coverage for associated buildings
  • Fire department charges
  • Identity theft protection
  • Food spoilage coverage for freezers

Commercial Business Coverage

Wawanesa Insurance offers standard business insurance coverage, along with specialized coverage for certain industries.

  • Business structure and contents
  • Loss of income due to a variety of incidents
  • General business liability insurance
  • Digital property and cyber activity insurance
  • Automotive Select policies for automotive repair shops
  • Chef’s Specialty insurance for restaurants
  • Contractor’s Choice insurance for construction companies and other contractors
  • Oilfield Select for oilfield companies

Farm Coverage

Wawanesa Insurance has been offering quality farm insurance for a long time. Coverage includes:

  • Barns and associated buildings
  • Farming equipment
  • Building contents for structures used in farming
  • Livestock
  • Feed and grain

Wawanesa Subsidiaries

Wawanesa has 100% ownership of two subsidiary insurance companies:

  • Wawanesa Life: A member of the Wawanesa Group of companies since 1960, Wawanesa Life is licensed in all provinces, except Quebec, and in the Northwest Territories. Offers permanent and term life insurance for individuals, and life, disability, health, and dental coverage to Employer/Employee groups.
  • Wawanesa General (United States): Headquartered in San Diego, California, and licensed in California and Oregon.

Get a Wawanesa Insurance Quote

Get a Quote now

Speak with one of our brokers about any questions you may have about Wawanesa Insurance products: rnSpeak with an Ontario broker today: 1-800-731-2228

Wawanesa Canada Reviews

2.9/5 (29 Reviewers)
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Wawanesa Canada
Head Office:
4110 Yonge Street, Suite 100, Toronto, Ontario M2P 2B7, Canada
Phone Number: 1-844-929-2637
Pam Pahl
Rating: .5 .5 /5 stars

Terrible and Unethical Insurance Company

Nothing but issues with my elderly mother's house insurance – repeatedly ignored for months on end until finally had to submit a complaint with the ombudsman. Despite Wawanesa calling me back once and I wasn't at my phone, they left a message but repeated calls back resulted in no calls back. Again, contacting the ombudsman = someone called back & was obviously unprepared and unwilling, only summing up the situation as a lack of communication. The adjustor was terrible – looked at every angle possible she could to blame my mother for a leaking roof despite a storm removing shingles, & my impression is that if you're elderly, there is NO WAY this company will honour a claim. Fraudulent company.

Lisa Landriault
Rating: .5 .5 /5 stars


Paid for rental car as part of my policy, the suppliers they use for rental cars have no vehicles for 5 days at the rates they are willing to pay I have lost wages for 3 days, and mental distress from dealing with the company and your incompetent employees. I was able to find an available rental vehicle through budget but they won't pay the budget rate. Constantly get the run around from agents' promise of call back and they don't call back ever. Worst company I have ever dealt with. I will be putting in a lawsuit for loss of wages, mental distress and bad faith. Offering 22.00 a day for Uber won't even get me outside of my neighbourhood this is unacceptable and they will pay one way or another as I will be filing a lawsuit against this company.

Larry Sparks
Rating: 4 4 /5 stars


Pleased with the cost of my motorcycle insurance and the people I dealt with.

Jeff rose
Rating: 5 5 /5 stars

Best to deal with

I was paying way to much with my previous insurer. I purchased a new motorcycle and when I called for insurance, oh my. I almost canceled the purchase. My friend said call Amanda here is her number. I called her and with in minutes she came back at less than half of what my insurer wanted. Then my vehicle and house insurance. She saved me a lot of money per year. Thank you so much.

Michael Meszaros
Rating: 1 1 /5 stars

The worst

There coverage means nothing , nothings covered under there policy lol its litterally pay them every month just to say you have insurance.

Larry Orser
Rating: 5 5 /5 stars

Excellent- Highly recommend

Excellent- Highly recommend

Ben Matilainen
Rating: 5 5 /5 stars

Good and friendly service

Rating: 3 3 /5 stars

Clear, accurate and friendly communications

Daniel Long
Rating: 1 1 /5 stars

Making a claim is a nightmare

I have been lied to several times, am still having money taken out for a cancelled policy, been passed around to almost a dozen staff members, the problems just keep adding up

Rating: 1 1 /5 stars

Legal Scammers

Wawanesa basically just a company running a legal scam.
Apparently according to them you are supposed to do maintenance behind walls. So to qualify you are required to rip your walls apart to make sure nothing is wrong. Just expensive scam artists. Get any other company is my advise. Oh and took 6 months to tell us our claim was denied because we didn’t rip the wall apart to check if it required maintenance we were not covered and claim was denied.

Cory Collins l
Rating: 1 1 /5 stars



After 4 years of paying premiums and no accidents, they increased our premiums by 25% for no reason and the next year cancelled us with 2 weeks notice for again absolutely NO reason.

And they cancelled us during the COVID-19 pandemic. While other insurance companies are helping policy holders Wawanesa is screwing them.

They may be cheaper but believe me you’ll pay in the long run.

Rating: 1 1 /5 stars

Horrible Experience

I have been with Wawanesa for a number of years and today they denied me house insurance on my new property because of a simple fact that there’s aluminium wiring and they wanted ESA to come in and inspect it. When I informed them that I have called ESA and they said they can’t come in for a month, due to COVID-19, they simply denied me insurance. I have been a long time customer of theirs and every time I have dealt with them, they have been complete and total crap.

So now here I am, a front line Healthcare worker without house insurance for our new house that we move into in 8 days. As if I don’t have enough stress going on currently, these guys decided to add a touch more.

Thanks for nothing…

edward kennedy
Rating: 5 5 /5 stars

Wawanesa Top Rate Insurer

I have been with this company most of my life and in every instance have been well treated without exception, receiving super low rates, good coverages, and fast fair settlements. So what gives with all the complaints that most accurately apply to Desjardins and no other company, especially not Wawanesa?

Rating: 5 5 /5 stars

Kept us riding!

Upon receiving our renewal for our Can-am Spyders, rates were increased by over 100 percent, no accidents, no tickets. Started searching the market and stumbled upon Mitchell & Whales, very easy to work with and our agent came up with stratagies that worked very well for us, plus huge savings. Very grateful, thank you so much, will be looking to change over other policies as they come due.

Bob U Uncle
Rating: 1 1 /5 stars

Jacking up rates

Raised insurance on motorcycles 100% no claims, no tickets, been a customer for 20 years with multiple cars and house.. No reason given for rate increase, guess they have a licence to steal and they will. Last few years Car insurance has been doing a steady climb up also, time to walk away from them and find another provider. Look elsewhere

Brent nunuhfurbuznez
Rating: 1 1 /5 stars


I’ve had multiple not at fault claims over the years and after each claim I swore I would change insurance companies. Now I am definitely going to. They have the worst claims team, with people that just don’t care about you. You’re just a number on a spread sheet to them. They time and time again showed incompetence in organizational skills, basic human communication, and the general handling of said claims. You’re better off handling any damages on your own.

Wesley Trott
Rating: 2 2 /5 stars

Wawanesa = BAD NEWS

I’ve had the misfortune of having my truck burn down due to unknown reasons. This was Aug 2018. After I bought my new truck I had a bird strike and dented the hood. I decided to go through insurance. That was a mistake. They sent me around playing phone tag for days and wanted to send out an appraiser, to replace a hood. What should’ve been a 1 day process turned into 2 weeks. I would’ve been better off paying the 2k for the hood and paint myself. Now I’ve come to find out their pulling my insurance because of “too many tickets”. Meanwhile I’ve been on the roads for 15 years and have NEVER been involved in a collision or an at fault claim. EVER. They can’t look beyond their computer algorithms and statistics. This company is crooked and will serve you as long as you pay them and aren’t forced to handle a claim. And if you do need to file a claim, good luck ever getting a hold of an adjuster or ANYONE that can help. STEER CLEAR.

Rating: 1 1 /5 stars

Terrible company for claims.

Hired a contractor insured by this company.
When there was damage caused, initially it was like “sure we’ll cover your losses”. 5 years later this insurance company is still fighting us in court for a very insignificant sum. Unbelievable.

Rating: 1 1 /5 stars

Worst Customer Service Ever!!

They will come up with every possible excuse to deny your claim, if they get back to you at all. You will end up wasting your time suing them and if the claim is small, it may not even be worth pursuing. This is their way of getting away with not paying the claims as they are aware that the customers are unlikely to pursue small claims. Switching policy to another insurance company that has good ratings and record of providing great customer service.

Word of advice: You are better off paying a little higher premiums and choosing a company that will provide you with prompt customer service and would actually honour your claim when the time comes. Would strongly suggest against choosing Wawanesa.

edward kennedy
Rating: 5 5 /5 stars


This company is the best there is. They have been/are fair to me and any mishaps I had, they treated me like a king. I can name other companies except Cooperators as totally unacceptable, overcharging, dishonest, and liars. WAWANESA is gold with me. I do not understand what you naysayers here are all about.

Rating: 1 1 /5 stars


This company is a complete scam!!!

They push me to use the shop they wanted me to go with and they are horrible.. They made me pay for my rental because they do not negotiate rates with independent car rental company any longer.

So please tell me why do I pay insurance if I have to cover all the costs before hand and then try to get reimbursed 2-3 months later?

How about you let me only pay insurance if I get into an accident then? that makes more sense than paying these donkeys every month.

Intact insurance
Td insurance
Desjardins, Certas, The Personal
Co-operators insurance
Aviva Insurance

Any of these company are 10 times better than Wawanesa I would urge you to switch companies before you end up getting screwed over.

Their new policy has been enforced as of May, 2019 SO WATCH OUT

Rating: 1.5 1.5 /5 stars


The most unethical company I have ever dealt with. I noticed in January that my insurance went up 38% for no reason. 1) They never sent me the notice 2) When I called they were extremely rude 3) They said maybe it got lost during the Canada Post Strike 4) Sorry these are our rates. When I tried to cancel, They took a large amount for the premium cancellation Charge. Horrible Horrible Horrible to deal with. PLEASE DO NOT USE THIS COMPANY. I also had a claim which I went through with them and they were so disorganized. Unprofessional people work at this company and they Dont care about the customer WHAT SO EVER!

Rating: 4.5 4.5 /5 stars

Excellent claim processing

Had an accident and they provided an excellent claim processing service. No issues at all. They gave me fare value of my car.

Rating: 5 5 /5 stars

bundled and saved

Thought I had a good rate on my bike insurance, then I got it cut in half by putting my home and auto with it. New helmet time! 😀

Rating: 5 5 /5 stars

not like the others

didn’t know the difference between a mutual and a regular insurance company until Mitchell Whales explained it to me. love knowing they aren’t trying to gouge me for profit but they exist for their policy holders.

Rating: 4.5 4.5 /5 stars

Lowest rates by far

I pay $970 for my 2008 GSXR 600 and my M license. Wawanesa’s given me the best rates in Ontario to date.

My 22 year old nephew has a 2004 GSXR 600 and says Wawanesa was one of the pricier companies to quote him, so YMMV.

Raul godoy
Rating: 4 4 /5 stars

I change because I found better deal

Regan Mitchell
Rating: 5 5 /5 stars

Home and auto Insurance Provider

Great company. Excellent discounts for combining home and auto as well as multi-vehicle. Policy document delivery is always well before renewal.

Rating: 5 5 /5 stars

Love Wawanesa

I think it’s cool they are a mutual company and there are no shareholders waiting to make profit of my policy. Awesome Canadian company