Gore Mutual Insurance Company Auto Insurance Reviews

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!

I was involved in an motor vehicle accident with a Gore Mutual Ins. Company insured and I called them to file a report. They asked if I was the insured?, I said No but I wanted to report the accident. They said they wouldn’t take the information?, and that the insured must call them? I said what if the insured doesn’t call? The reply was I have to notify my insurance company which would require me to pay a deductible expense? I restated that the fault was assigned to their insured by the investigating officer and Gore Mutual Insurance Co. was the responsible party for paying the claim! They said that Company policy was that they will not take my report or claim!

I’m so glad that I don’t have them as my Insurance company, they sure have a user and business friendly response team that I wouldn’t want representing me!!!

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 ! ! ! ! ! !

After paying premiums for several years for multiple vehicles and house insurance, I had the misfortune to be involved in a "not at fault" accident. From the first time Nathan in claims contacted me he was rude and abrupt. Their appraiser valued my older model car at 3,500. the body repairs were going to be 3,600, so they wrote the vehicle off. I was notified on a Tuesday, then told they would only cover the rental car I was using until Thursday. I disagreed with the appraised value so was told I could submit repair bills to possibly increase the value. I asked my mechanics to do so and they complied. One of the bills was for replacing the motor previously. I and my mechanics looked up values for my car online. The values ranged from 4,245. to 6,900. depending on whether it was average price, wholesale or retail. I was then informed that even though my vehicle was sitting at a body shop, because I did not immediately accept their offer, I was still being charged insurance on it. Next, Nathan told me that I was also going to be charged a "storage fee". This was 1 1/2 weeks after the accident occurred. In my opinion, strong arm tactics to get me to accept their low offer. Tonight, Nathan called me and said the three invoices sent from my mechanics did not affect the value of the car, nor did the mechanics print out of the value of the car because it wasn't "Mitchell's" or "Black book". He then went on to say that they couldn't even be sure the invoices sent were authentic because they were hand written, and next told me my mechanics were overcharging me for work they did. Finally, he out right lied and claimed that he had told me I could hire my own appraiser when we first spoke. I guarantee he said no such thing. Overall disgusting treatment from a company that has taken thousands of dollars in premiums from me. I did look up the Canadian Black Book value after I told him very clearly what I thought of both him and the company. That is the 4,245 value. This company has not one ounce of caring or compassion for their clients. Their only interest is to take as much money from you as possible. I tried to rate them as 0, but it doesn't allow that.

They have me a quote for $115 and were supposed to take it on monthly basis but instead they charged me $195 and took 6 months in one shot...I was shocked when I saw my statement. The didn't even bother notifying about any of this! Brutal....

After 15 years of paying Gore Mutual over $70,000, I got a very low appraisal for my car that was written off after I was rear ended ($14,900 which should have been over $17,000).

I was initially given 3 days on a rental vehicle to find a new one and had numerous expenses after my accident which was not my fault.

If you want an Insurance company that will help you in the event that you have an accident, Keep Looking, very BAD service.

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.

Horrible customer service never returned my calls until policy was too late to change without a penalty!! Never recommend them to anyone.

I’m appalled that my car insurance has risen from 164 a month to 234 a month as a 34 year old female with 0 convictions. It has risen 38% percent. What a complete scam and greed. Shame on you Gore Mutual. You have lost a customer.