UPDATED: Nov 30, 2018
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Windhaven Insurance Summary
Windhaven Insurances traces its roots back to 1990 when the company was founded in Dallas, Texas. After a time during which they did not offer coverage in Texas, only in Florida, Windhaven has recently started offering policies in their home state again.
Windhaven writes only personal auto insurance and offers coverage for both standard and non-standard drivers. They are a small regional insurance company that has seen a lot of growth in recent years, but currently shows no signs of expanding into other states.
Windhaven products are sold only through local agents, but the company recently introduced the Clutch Insurance program, which allows drivers to purchase a policy online, then directing them to an agent who will service the policy.
Windhaven further makes use of technology with a mobile app available that allows customers to manage their account directly from a smartphone.
The Windhaven website provides no information on the available auto coverage. Instead, the website directs visitors to find a local agent with whom to discuss coverage, or to use one of the two online options – an agent website or the Clutch Insurance site – to get a quote.
Based on Windhaven’s market position, their auto insurance program is likely fairly basic. This type of regional insurer, particularly one that sells in the non-standard market, generally offers liability-only policies to help high-risk drivers obtain the legal minimums for insurance. They also offer basic full coverage policies, but rarely have much in the way of add-ons or special options.
Without any sort of outline of coverage on the website, it’s very difficult to determine how Windhaven’s products line up with other similar insurance companies. For a company that seems very focused on utilizing the internet to reach customers and make the insurance purchasing experience easier, it is very surprising to see that they have not provided any product information.
Windhaven does not write insurance in the states where we normally run price comparisons, so we are unable to obtain a sample rate for a comparison.
As a non-standard insurer, Windhaven is not likely to be the most affordable insurance option for most people. Insurance companies that are willing to write policies for high-risk drivers generally protect themselves by charging higher rates all around, which means that even a driver with a clean record will likely find them more expensive than other options.
Non-standard insurers rate on a different playing field, so those who are in need of that kind of coverage will do best by comparing the rates of several non-standard companies.
As with any insurance company, your mileage may vary. It is important to get a personalized quote since every organization uses their own underwriting guidelines to determine rates.
Windhaven offers several options for claims reporting. The company’s claims department is open every day of the week from 8:00 am to 8 pm Eastern Time. To report a claim to a representative during these hours call (866) 595-4080, or for information regarding an existing claim, the websites instructscustomerss to call (800) 919-9114.
Windhaven’s mobile app, which is available for iPhone and Android, also has a claims reporting option. The app allows the customer to report a claim from their smartphone and also take and upload pictures of the damage directly through the app.
When it comes to claims, Windhaven provides a lot more information about the process than they do about their products.
Their claims process follows a five-step system:
- Collecting information at the scene
- Reporting of the claim
- Review of the evidence and policy coverage
- Estimating of damages
- Payment of the final settlement
The company promises response time within 24 from a claims adjuster in most cases, depending mainly on where the insured lives.
Windhaven has a Direct Repair network where estimates and repairs can be done quickly in direct cooperation with the insurance company. While the policyholder can choose their own repair shop, repairs done within the network are guaranteed.
Windhaven has a B+ rating with the Better Business Bureau (BBB) as of the time of this review. The BBB records 361 complaints against the company in the past three years, with 105 of those closed in the past 12 months. The company’s rating has been lowered by the BBB because they have failed to the underlying cause(s) of the complaints.
While the BBB considers this number of complaints acceptable for a company of this size, it’s actually quite a large number, and that bears out what the many reviews and complaints about the company have to say.
Google reviews give the company three out of five stars. Reviews cite refusal to pay claims, slow service, inability to contact representatives, and claims being ignored and denied. There are reviews from both Windhaven’s own customers and those who were involved in an accident with a Windhaven-insured driver, and all point to the same problem.
A quick search for reviews of the company even reveals a local news story where a Windhaven customer had to bring in the media’s “Consumer Watchdog” team to get the company to pay for the damage to her vehicle.
Overall, the portrait that emerges of Windhaven’s reputation isn’t a pretty one.
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Windhaven has no information on their products available and suffers from a very poor reputation when it comes to claims. They might be a last resort choice for non-standard drivers, but can’t be recommended for anyone else. Even non-standard drivers will likely find coverage from a more reputable company by shopping around carefully.
For a list of companies that we recommend, visit our Best Insurance Companies page.