5 Best Accident Insurance Providers in Winnipeg
Did you know that insurance policies covering accidents have been around since the late 19th century? In fact, they initially worked as disability insurance policies we know of today.
Then, the Railway Passengers Assurance Company provided the first-ever accident insurance due to the rising number of casualties in England’s burgeoning railway system.
Thanks to them, we can now enjoy policies that protect us from financial losses caused by accidents.
Just for you, we explored and reviewed the best accident insurance providers in Winnipeg. Read on and figure out which one is best for you!
How much does accident insurance cost on average?
In case you’re wondering how much you’ll need to pay on a monthly basis for different types of accident insurance, take a look at this table below:
It’s worth mentioning that different insurance providers within Canada offer varied prices for their policies. In terms of those that cover accidents, prices can cover $2,000 up to $10,000 worth of damages and injuries.
Note that you may avail of accident insurance claims for yourself for as low as $8.30 a month and around $13 monthly for you and your family.
How did we choose the best accident insurance providers in Winnipeg
We considered the following accident insurance providers in this article based on the following criteria:
1. ONE Insurance
| CRITERIA | RATING |
| INSURANCE PACKAGES | ★★★★★ 5/5 |
| VALUE FOR MONEY | ★★★★★ 5/5 |
| AGENT AVAILABILITY | ★★★☆☆ 3.5/5 |
| Accessible | ★★★★☆ 4/5 |
| Responsive | ★★★☆☆ 3/5 |
| CLIENT SATISFACTION | ★★★★☆ 4/5 |
What we love about ONE Insurance is that it offers a variety of accident insurance plans for the home or outdoors.
Some of the accidents covered include broken glass, water fixture damage, medical emergencies, theft-related injuries, auto collisions, boat-related casualties, and event place-related accidents. This is quite comprehensive, if you ask us.
A plus to this provider is that it has more than one branch in Winnipeg. Clients can then process their claims from the branch nearest them.
We also love how some services are available in other languages such as Hindi and Punjabi. This means that their policies remain accessible even to non-English speakers.
It is also a plus that those interested may request quotes for their chosen insurance plans, especially when they’re still in the canvassing stage.
On the downside, we just found that applying for the ATV & Sled insurance policy can be a little tricky.
Applicants will need to provide their bill of sale, driving experience, and previous accident claims in the last five years in order to qualify for the insurance policy. Gathering these documents can be quite tedious and time-consuming, in our opinion.
We were also bummed to hear that some of the agents aren’t always available to answer queries or during emergencies.
Although, one of their agents come highly-recommended: Joyce Chen. A client appreciated the smooth application process that she facilitated – so you may want to find out if you can request for her.
Pros
- Has more than one branch in Winnipeg
- Insurance plans cover different accident types
- Offers some services in different languages
- Offers quote requests
Cons
- Applying for off-road insurance can be a little tricky
- Reports of some agents being unresponsive
Customer Reviews
Joyce Chen was an excellent agent
“I wanted to give oneinsurace feedback about Joyce Chen. She works at st vital centre Winnipeg. She was excellent with her services to me. I had some health issues and so wanted to postpone my knowledge test. I came in contact with her. She not only explained me the process but also went one step ahead to help me figure out a practical solution on real time basis. It was urgent and she handled it in one of the most efficient and effective manner I can ever expect. This I felt was a professional and excellent customer service.” – Minal Shah
Best insurance services in town
“I would like to express my gratitude for the professional services provided by Joyce Chen. She has helped us with car, home as well as health insurance for all my family members. She went above and beyond our expectations in helping us choose the right option for all our insurance needs and within our budget. Kudos to Joyce!” – Patricia Shi
2. Knight Archer Insurance
| CRITERIA | RATING |
| INSURANCE PACKAGES | ★★★★★ 5/5 |
| VALUE FOR MONEY | ★★★★★ 5/5 |
| AGENT AVAILABILITY | ★★★☆☆ 3/5 |
| Accessible | ★★★☆☆ 3/5 |
| Responsive | ★★★☆☆ 3/5 |
| CLIENT SATISFACTION | ★★★☆☆ 3/5 |
Knightarcher offers several policies that cover accidents, such as auto insurance, home insurance, health insurance, seasonal insurance, travel insurance, and recreational insurance.
The seasonal and recreational insurance plans are worth highlighting as they help clients insure their mobile homes, summer homes, and recreational vehicles.
Landlords and resort owners may also avail of these plans to protect their assets from damages and accidents.
Mobile home tenants can avail of the seasonal insurance to protect themselves and belongings in case their landlords aren’t willing to get additional accident coverage for them.
A plus to Knightarcher’s recreational insurance is that it covers vehicles other than boats, ATVs, and sleds! Upon checking, snowmobiles, watercrafts, motorbikes, dirt bikes, RVs, and motorhomes can also be insured against accidents.
Clients may also request for a free quote, which is nice. Should they avail of a plan from them, they can pay via Visa credit and debit cards.
Unfortunately, for MasterCard payments, Knightarcher currently only accepts credit cards and has yet to accommodate debit transactions.
Payment of premiums is done via MySGI–a platform that helps clients view their claims, renew vehicle registrations, and purchase day permits. We like how this portal conveniently provides access to all of the clients’ essential information.
However, we’re a tad disappointed to hear that some clients experienced slow processing of their claims. Apparently, their agents are also quite slow to respond.
Given that no one can predict accidents, it wouldn’t hurt for their agents to work on their responsiveness and sense of urgency.
Pros
- Recreational insurance covers many off-road vehicles
- Accepts Visa Debit card payments
- Payment of premiums done via convenient online platform
- Free quotations
Cons
- Currently doesn’t accept MasterCard Debit payments
- Reports on slow processing and lack of responsiveness
Customer Reviews
Agent who helped me was a professional gentleman
“I’ve been there twice and was helped both times by Jason who is a gentleman and the consummate professional. Cheers.” – Alexander Presto
Great service, great staff.
“I’d like to thank all the wonderful people there that were so kind & understanding when I had a problem.” – Gail Pierson
3. Avant Insurance Brokers, Ltd.
| CRITERIA | RATING |
| INSURANCE PACKAGES | ★★★☆☆ 3/5 |
| VALUE FOR MONEY | ★★★☆☆ 3/5 |
| AGENT AVAILABILITY | ★★★☆☆ 3/5 |
| Accessible | ★★★☆☆ 3/5 |
| Responsive | ★★★☆☆ 3/5 |
| CLIENT SATISFACTION | ★★★★★ 5/5 |
What we love about Avant Insurance Brokers is that its auto insurance plan already includes accident coverage for off-road vehicles.
We think this is convenient and cost-efficient as clients will only need to get one plan to insure their private cars and recreational rides like RVs, boats, ATVs, and snowmobiles.
Another thing we love about Avant’s auto insurance is that it offers high liability minimums for vehicles.
Upon checking, clients can get claims of at least $500,000 for their insured cars and off-road rides.
What we like about Avant Insurance’s website is that the form for requesting quotes is already available for each insurance type.
We’re also happy that the forms are comprehensive. Clients will be presented with questions that will help agents determine the most suitable claim amount for their insurance plans.
A downside though is that Avant Insurance’s medical coverage is only available in its travel insurance. We find this quite limiting as some accidents may occur in the home or while driving.
It’s also unfortunate to hear that some agents aren’t that accommodating and available. Since clients depend on them for their claims, they should make their clients feel valued by being available to help them with their needs.
Pros
- Accident coverage for off-road vehicles included in auto insurance
- Offers high liability insurance minimums for vehicles
- Clients can request quotes
Cons
- Only travel insurance offers medical coverage
- Instances of agents not being accommodating
Customer Reviews
The agents we worked with were knowledgeable and friendly
“The representatives that assisted us for our new home insurance were very knowledgeable and professional. The right questions were asked and answered to ensure we were getting the right (and not the most expensive) coverage for our house. We would highly recommend Avant insurance!”– Jason McNish
Jennifer and Ashley were fantastic agents
“I dealt with Jennifer and Ashley and they were fantastic. They took time to get to know our needs and provided insurance that met them. They picked up their phones whenever I called and were just decent people. Recommend!” – Phillip Dunphy
4. R.A. Hughes Insurance
| CRITERIA | RATING |
| INSURANCE PACKAGES | ★★★☆☆ 3/5 |
| VALUE FOR MONEY | ★★★★☆ 4/5 |
| AGENT AVAILABILITY | ★★★★★ 5/5 |
| Accessible | ★★★★★ 5/5 |
| Responsive | ★★★★★ 5/5 |
| CLIENT SATISFACTION | ★★★★☆ 4.5/5 |
RA Hughes Insurances has been around since 1929. From what we’re told, many of their clients have been with them for at least ten years, which increases our confidence in their credibility.
As of writing, only its vehicle insurance offers accident coverage. Despite that limitation, we still think RA Hughes’ vehicle insurance is worth getting as it offers protection for both new and leased cars.
Another favourable point to its off-road vehicle (ORV) insurance is that clients may insure their rides for one up to two million dollars.
A drawback though is that the accident coverage for off-road vehicles doesn’t include boats and motorbikes.
You’ll need to apply for the company’s specific boat and motor insurance policies to insure your vehicles not covered by RA Hughes’ ORV plan.
It is worth noting that clients cannot use their Personal Injury Protection Plan (PIPP) to cover injuries caused by their ORV.
On a brighter note, we’re pleased that RA Hughes offers Accident Coverage Benefits as a subtitute to cover accidents and liabilities not included in clients’ PIPP or other personal insurance policies.
The accident benefits coverage is also an ideal substitute for clients who currently don’t have PIPP. They’ll be able to make claims for injuries, as well as cover lost wages, rehabilitiation, death benefits, and funeral coverages.
Pros
- Coverage can go up to $2 million
- New and leased cars have protection plans
- Offers accident coverage benefits as substitutes for the PIPP
Cons
- Only vehicle insurance has accident coverage
- Off-road vehicle insurance does not include boats and motorbikes
Customer Reviews
Helps me get hundred of dollars back
“R.A. Hughes is handling all my insurance needs from business liability, home and MPI insurance. They are able to find the best rates available putting hundreds of dollars back into my pocket each year.“ – South End Roofing Team
Been using their services for over 10 years now
“I’ve been with R.A.Hughes for over a decade and continue to receive excellent, fast, and friendly service. They understand my unique home and vehicle insurance needs and always provide the right plan and coverage. Darcy and his team are great to work with and I continue to feel valued as a customer.” – Jerry Joaquin
5. JEM Insurance
| CRITERIA | RATING |
| INSURANCE PACKAGES | ★★★★☆ 4/5 |
| VALUE FOR MONEY | ★★★★★ 5/5 |
| AGENT AVAILABILITY | ★★★★★ 5/5 |
| Accessible | ★★★★★ 5/5 |
| Responsive | ★★★★★ 5/5 |
| CLIENT SATISFACTION | ★★★★☆ 4.5/5 |
JEM Insurance has been in the business for more than 20 years. It has more than one branch spanning the city, giving people access to the nearest office where they can file for insurance policies and make claims.
We love how the company’s partner insurances have their communication lines open 24/7 for any client who needs to make emergency claims any time they need it.
It’s just a tad unfortunate that the company’s only policies with accident coverage are the travel and auto insurance policies.
Clients will need to get separate accident insurance plans for their homes and other properties from other companies.
On the bright side, we still recommend these plans as they cover different accident types that may occur during clients’ stay in Winnipeg or when they travel out of Manitoba or Canada.
A favourable point to JEM’s travel insurance is that it is open to visitors and international students staying in Winnipeg.
The company also offers its services in Tagalog, which we like as this will help many Filipinos apply for insurance more efficiently when they move to Winnipeg.
When it comes to JEM Insurance’s vehicle accident coverage, we’re pleased that the plan includes off-road vehicles.
Do note, however, that this plan’s conditions may vary depending on where in Winnipeg or Manitoba one lives. Some recreational vehicles might not be covered in one place, while other locations may cover accidents for all off-road rides.
Pros
- More than one Winnipeg branch
- Multiple insurance partners
- Visitors and international students can avail of travel insurance
- Services are available in Tagalog
Cons
- Limited plans that cover accidents
- Off-road vehicle insurance conditions may differ depending on location
Customer Reviews
Thankful to them for providing reasonable rates better than others
“I was on the lookout for a new broker/insurer due to my previous broker providing very bad customer service and not willing to offer me better rates. I turned to JEM since I live in the neighborhood and not only did they provide me with a better rate, they also took care of notifying my previous broker and insurer of the cancellation, and made sure I wasn’t without home insurance during the switch. Bonni was very helpful and was quick to communicate the changes to me. Looking forward to having a new broker that’s reliable and consistent.” – Santo A.
Trusted insurance provider for years now
“I’ve been dealing with these wonderful people for over 10 years now and they’re fantastic. If you run a business like I do, this is a one stop shop for all your insurance needs. They will do backflips to provide outstanding service.” – Antonyshyn Roofing Ltd.
FAQs on Accident Insurance
That sums up our impartial take on the best accident insurance providers in Winnipeg!
In case you’re looking for other companies providing different kinds of insurance policies, we suggest looking into these review articles: