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.