Northbridge Car Insurance

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Written By Joel Kranc

Contributing writer


Recent auto insurance quotes in Ontario

Recent Auto Insurance Quote from WINDSOR, ONTARIO
Male, Age 27
April 19, 2024
Cheapest Quote
$ 652 / month
$7,820 / year
Average Quote
$ 946 / month
$11,351 / year
$ 294 / month
$3,531 / year
31.11 %
Recent Auto Insurance Quote from MOFFAT, ONTARIO
Male, Age 58
April 19, 2024
Cheapest Quote
$ 106 / month
$1,271 / year
Average Quote
$ 147 / month
$1,765 / year
$ 41 / month
$494 / year
27.99 %
Recent Auto Insurance Quote from AJAX, ONTARIO
Male, Age 39
April 19, 2024
Cheapest Quote
$ 522 / month
$6,263 / year
Average Quote
$ 637 / month
$7,644 / year
$ 115 / month
$1,381 / year
18.07 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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About Northbridge Insurance

Toronto-based Northbridge Insurance acts as the main subsidiary of Northbridge Financial Corporation, which is owned by Fairfax Financial Holdings Limited’s Canadian operations. It was formed when Fairfax created a stable of subsidiaries alongside TruShield Insurance and Federated Insurance, called Northbridge Financial Corporation in 2003. Since then, Northbridge Insurance has been serving customers with its strong portfolio of auto, home, and commercial solutions.

Northbridge has assets of $7 billion and looks after about $3.3 billion in annual premiums. Companies that fall under the Northbridge Insurance umbrella have received excellent or good ratings by many of the top Canadian rating agencies, including A.M. Best, S&P, DBRS and Moody’s.

The company holds four major regional offices, located in Ontario, Quebec, Atlantic Canada, and Western Canada. Some customers may still call the company ‘Lombard General Insurance Company of Canada,’ its previous name. However, in 2012, Fairfax rebranded the company and debuted the ‘Northbridge Insurance’ name.

How Northbridge compares to other car insurance companies in Canada

According to the Best Home and Auto Insurers survey conducted by Pollara Strategic Insights, Northbridge is one of the top three insurance providers in Canada, across multiple categories – including ‘Best Overall.’

The survey was conducted between August and September of 2023 on 8,875 customers in two of the largest private insurance markets in Canada – Alberta and Ontario. Learn more about Pollara’s methodology now.

Northbridge's rankings by category

Category Ranking
Best Overall2nd
Most Trustworthy2nd
Best Claims Experience3rd (combined ranking with Zenith)
Best Policy Documents2nd (tied with Wawanesa)

Why choose Northbridge Insurance:

  • 24/7 claims support: While it is increasingly standard, it is good to see Northbridge Insurance offers claims support 24 hours a day.
  • Strong social responsibility: It does not affect the customer directly, but Northbridge is commendable for its 'Our Northbridge Cares' social outreach program. The company helps worthy causes and projects in communities across Canada. Among the organizations, the company supports are DAREarts Foundation, Pathways to Education, SickKids Foundation, Jack.org, and more.

What Northbridge Insurance can offer:

Home insurance

Northbridge Insurance helps owners with a robust home insurance package that extends to condos and cottages.
Among the benefits of the company’s policies are:

  • Guaranteed replacement cost: If your home is destroyed, Northbridge covers costs to rebuild it with materials of similar kind and quality, even if your policy coverage is less.
  • Student away: If there’s a student in your family who’s away at school, your insurance extends to them and their belongings.
  • Special limits: We offer some of the highest “special limits” insurance on items such as jewellery, collectibles or bicycles.
  • Jewellery coverage: For an additional cost, you can choose to cover your individual jewellery items based on appraised value, not just replacement value.

Home insurance customers taking coverage with Northbridge Insurance can get discounts on their policies in the following ways:

  • Personal Choice: Combine your home and auto insurance (available to Ontario residents only).
  • Age of home discount: Varies by the age of your home.
  • Claim-free discount: Applies if you have not had any claims in the past three years.
  • Alarm system: Applies if you have a centrally monitored fire or burglar alarm system installed.
  • Age discount: Be rewarded for your years of responsible living.
  • Mortgage-free discount: Applies if you are mortgage-free.

Auto insurance

Northbridge Insurance says its auto insurance packages are unique due to the way it structures its premiums rating. The company assesses the number of years licensed and the number of years accident-free to achieve a lower price. Additionally, customers can save with the following discount benefits:

  • Personal choice: Combine your home and auto insurance for savings.
  • Multi-vehicle discount: Save a minimum of 10% for every qualified vehicle you include on your policy.
  • Driving record protection: For a small fee, you can add Driving Record Protection to your auto policy, which guarantees that your driving record will not change after your first at-fault accident. (Available for qualifying customers. Accidents resulting in a conviction classified as major or criminal do not qualify.)

Business insurance

Northbridge Insurance is a noted provider of business and commercial insurance solutions. If you are looking for business-oriented solutions, it’s likely Northbridge will have the product for you:

  • Cyber risk
  • Property insurance
  • Business income insurance
  • Commercial auto
  • Commercial general liability
  • Crime protection

Northbridge Insurance contact information

General Inquires

Want to get in touch with Northbridge Insurance or have questions about your claims. You can reach them here:



Atlantic Canada

1801 Hollis Street, Suite 900
Halifax, Nova Scotia B3J 3N4


Claims Service Representative:


105 Adelaide Street West, Suite 700
Toronto, Ontario M5H 1P9
416-350-4400 or 1-855-620-6262


Claims Service Representative:


1 Place Ville-Marie, Suite 2050
Montreal, Quebec H3B 2C4


Claims Service Representative:

Western Canada

745 Thurlow Street, Suite 1600
Vancouver, BC V6E 0C5

220-12th Avenue SW, Suite 550
Calgary, AB T2R 0E9

10235 – 101st Street, Suite 1000
Edmonton, AB T5J 3G1


Claims Services Representative:

Frequently asked questions about Northbridge Insurance

Need more information on Northbridge Insurance? We got you covered.

Who owns Northbridge Insurance?

Northbridge Insurance is a subsidiary of Northbridge Financial Corporation, which is wholly owned by Fairfax Financial Holdings.

How long has Northbridge Insurance been in business?

Northbridge has been in the commercial property and casualty insurance for more than 150 years (It was founded in 1862).

How big is Northbridge insurance?

Northbridge Insurance has assets of $7 billion and oversees $3.3 billion in annual premiums. The company holds four major regional offices, located in Ontario, Quebec, Atlantic Canada, and Western Canada.

Joel Kranc ,

Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.

He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.

He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."

  • Master's of Political Science, University of Toronto
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