Gore Mutual Insurance Company Auto Insurance Reviews

My experiences with Gore Mutual this year—on both my own policy and my wife’s—have been nothing short of a nightmare. I have dealt with many companies, but this has been, by far, one of the most frustrating and stressful.
1. Unfair Practices and Lack of Transparency
A single missed payment due to a banking error led to the abrupt cancellation of my policy. When I reached out to resolve this, I was met with a flat “no,” without any explanation or willingness to consider my situation. The lack of transparency in their decision-making process is unacceptable and leaves customers in the dark.
2. Poor Customer Service
Throughout my interactions, their representatives were rude, dismissive, and unwilling to assist or clarify. Reasonable requests for dialogue or explanations were brushed aside, making me feel like my concerns didn’t matter at all.
3. Negative Comparisons to Competitors
Ironically, Gore Mutual’s rates were almost double those of their competitors when we initially signed with them. This makes their lack of service and inflexibility even harder to justify. In hindsight, it’s clear we should have shopped around before signing anything. I strongly urge anyone considering Gore Mutual to compare prices with other providers—you’ll likely find much better options with better service at a far lower cost.
4. Financial and Emotional Hardship
The abrupt cancellation of my policy caused immense stress and left me scrambling to secure new insurance at a significantly higher cost. Their rigid and uncompromising approach has added unnecessary financial and emotional strain to my life.
5. Warning to Future Customers
If you are considering Gore Mutual, I strongly urge you to look elsewhere. This company does not value its customers, does not communicate effectively, and will not act reasonably even in extenuating circumstances.

Unfortunately, due to their complete unwillingness to address or resolve these issues, I have no choice but to escalate this matter to the Financial Services Regulatory Authority of Ontario (FSRA). Their handling of these situations demonstrates a blatant disregard for customer welfare and industry accountability.

Save yourself the frustration and stress—choose a provider that actually cares about their clients. And above all, price shop before signing anything with Gore Mutual. Their rates are high, and their service is not worth the premium.

They’re absolutely terrible. The worst company I have ever witnessed. Ok, so where to start... I’m 20 years old and I’m from Jersey (natural-born American citizen) and I recently moved to Ontario to be with my fiance (natural-born Canadian citizen). I needed to get my car registered ASAP so I wound up looking for the cheapest auto insurance I could, seeing as my fiancé and I already had a lot to pay for and things were/are tight. I go through a broker who shows me a list of quotes, with Gore being the cheapest at $185. I went with it, sent the broker all my info (including all of my New Jersey information) and my application was processed and approved. There was never an issue until the weeks/months following. My broker gives me temporary slips over email so I can get my car registered and drive legally while I wait for my official documents. (Keep in mind that yes, I do have an Ontario driver’s license). And boy do I wait. And wait. And wait. The temporary slips are good for a month, in which I should receive my documents in the mail within that time. But I never did. I emailed the broker who told me she didn’t know what was going on and would email me a new set of temporary slips while I waited (again). The next month goes by and my broker tells me that my rate went up and neither she nor I was ever informed! It was around the end of August of 2019. My fiancé and I then come to find out that the rate went up from $185 a month to $309! It’s completely unaffordable for us. All because they “didn’t want to honour my Jersey license”. They knew about it. They processed and approved my application with my Jersey license and my Ontario license and yet, somehow it was an issue? So, within the two months of waiting, this is what I get dropped on me. My partner and I called Gore themselves a few times, but each time, they shot us down saying that we couldn’t talk to them and that we have to talk to our broker. But our broker was lost as well, seeing as she had no idea what was going on either. So... no communication from Gore to neither me nor the broker. Needless to say, we cancelled on the spot. We were told that there would be no cancellation fee and that we were cancelled a pro-rata rather than a short rate. They were playing at being compassionate. I would’ve accepted had I not seen a tiny little detail. They were trying to charge us $139 for God knows what and attempted to make us pay the first month of September (this month) on August 28th. We cancelled our policy on the 23rd of August. So, they tried to take an early payment for a cancelled policy and to make it worse, it was at a rate that was not agreed upon initially. So now, they want us to pay $448, yet in reality, I should be only paying for the two months that I was insured. So around $370 or their pro-rata amount $309. Not the extra $139 I’d never seen or heard about. And besides... if my insurance was fully legal and official, why wasn’t I making any payments during July and August? Did they expect me to pay the $185/309 along with the two months all in one pop in September? Then I would’ve paid close to $700 which is nowhere near affordable! TL;DR Went with Gore because they were affordable initially. Because of scarce communication and constantly being screwed over(raised rate without notice, no emails or calls, and not giving me any official documentation), I cancelled. Now they want money they aren’t owed and are trying to scam me. This company is borderline fraudulent. STAY AWAY!

Don't even want to give 1 rating - should be absolute zero rating! A tire blew on my vehicle and sent me into the ditch. Substantial damage to my vehicle. It has been 3 weeks and still don't have an answer on whether the car is to be fixed or written off. I have been calling, emailing and still no answers. The adjuster has been to look at the vehicle 4 times, but still no answers. They are still getting their premiums for a vehicle I can't drive. Oh - but they have informed me that they are cancelling my policy - I'm now considered high risk. This is the one and only claim in over 10 years I have been with them. Awesome - take my money for 10 years then give me the royal run around when I have a claim. My parents have been with them for over 28 years. They are obviously going somewhere else for their insurance!

I was involved in a car accident, someone ran a red and ran into me. I was very sore and had back pain. Gore were telling me that I need to sign a form saying that I was ok. I refused, I said that if the pain doesn't go away I will see a chiropractor. Then they gave me a lowball offer on my car. Again I said no. We came to an agreement on the lowball offer (mainly because I wanted this resolved and I was allowed to get the new tires I had just put on my car). They then cancelled the rental. And broke the agreement by taking the car with the new tires. I have been with this company for over 10 years however I won't be there any longer. Up until this incident, I thought that I had a good company. However, the savings if any, were not worth the experience of dealing with them ever again.

I recently switched banks and gave notice of this to Gore a little late so I expected to be charged and NSF. Fine. Then they tried to take the insurance money out of the old account again (8 days later). I got hit with more NSF fees because of their error. To top it off, they charged me NSF fees on top of my policy! After corresponding with 3 different representatives from the insurance company, not one of them admitted to their fault. First they blamed me for not giving a weeks notice (which I did when the second attempt to remove funds was made) then the second representative blamed the bank after acknowledging that they DID receive my new account information in time. It truly shows they do not care about their clients, nor do they take the time to understand what I was trying to explain to them. Safe to say we are cancelling our insurance and going with a new company. Terrible insurance company!

My gramma added me (a 30 year old man with clean record) to her Insurance policy as a second driver. She was told by the broker that her rate would not increase. When she received the bill a month later, it had increased to over $250 per month from $104. She inquired about the increase and was told I (with no claims or tickets) am a high risked driver and must pay high risk rates. I was unable to get in touch with the broker during regular business hours. I called the company I was previously covered with and got a quote. What a surprise!! $138 a month for the exact same car and none of this "high risk" malarky! My gramma promptly called to cancel her plan. Well all of a sudden they were able to pull some strings and come up with a new rate... $138 a month! Obviously we severed ties with these people. My Gramma is in her 80's and very innocent. I would compare Gore insurance to the kind of people that steal the poppy donation box. If you have an elderly family member insured with this company, please make sure they are not being taken advantage of.

Worst Experience Ever !
Because of this company, They are still costing me money even though I no longer insure with them.
When I purchased another vehicle I decided to Stay with Gore, having insured my previous vehicle with them for so long it seemed convenient.
BIG MISTAKE
My vehicle was hit with hail and after it was appraised the damage was close to 14 grand - the insurance decided they wanted their own appraiser to look at it, which they then decided it was only 12 grand to repair. My vehile is a base bmw 128i with no sunroof and 100,000kms - They also appraised my vehicle which they deemed worth $21,000 therefor it would be repaired and not written off -my car was barely worth 10 grand ! I know this beccause 1. I have been working in the auto industry all my life and 2. auto trader confirmed there were others like mine a lot less than 21 grand. I went back and asked them to re-appraise because the "appraiser" submitted his "proof" which was the same model but with 50,000kms less than mine - that is a big difference when were talking german vehicles ! The Strangest thing of this so called appraisal was that it was complete bull as I bought my vehicle for 21 grand over 2 years ago ! I must have the only non-depriciating vehicle in the world !
Garbage company - THANK GOD - my insurance was up around the same time that all happened- Took their chq and had the vehicle repaired and canceled my insurance !
BUYER BEWARE ! ! ! ! ! !

Most disrespectful company ever. A family member past away without a will. We were trying to do the right thing and continue to pay his insurance but to lower to just fire and theft. We have the death certificate and everything but because there is no appointed administrator they refuse to do this. They said if it wasn't paid they would cancel the insurance and send a final bill. What company does this? During these hard Times do money hungry companies make it a prerequisite to make things hard on these people.

Gore mutual made an error on my policy which created nothing but headaches for months after I cancelled it. Their 'customer service' has been an awful experience, and their accounts department feels very impersonal and unprofessional. Under no circumstance would I recommend this company to anyone except for my direct competitors. I recommend you avoid them at all costs.