Do car insurance companies open on bank holidays?

Car insurance companies open on bank holidays are rare. Most car insurance companies are not open on bank holidays for physical locations. Still, many will have options for contacting your auto insurance company customer service via phone or online, especially for filing claims. A majority of car insurance agents and brokers will close their offices on the major holidays to avoid paying holiday pay.

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UPDATED: Jul 27, 2020

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Here's what you need to know...

  • Not all insurance companies will use the Federal Reserve System holiday schedule
  • A majority of agents and brokers will close their offices on the major holidays to avoid paying holiday pay to their employees
  • Almost all insurance companies will have an option available to their clients on bank holidays

In many industries, you must have an open schedule to conduct business. One of the many industries where the hours of operation may be limited is the insurance industry.

As a consumer who is paying for a service rather than a tangible product, knowing that your agent or a representative will be available to you is critical while you are choosing a carrier or broker.

If you are wondering if companies will open on days that are classified as bank holidays, read this guide and learn what types of transactions you can complete and what types you cannot.

Start comparing car insurance rates now by using our FREE tool below!

Agencies and Local Brokerages May be Closed

Not all insurance companies will use the Federal Reserve System holiday schedule to dictate when their offices will stay open and when they will close.

A majority of agents and brokers will close their offices on the major holidays to avoid paying holiday pay to their employees.

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Customer Service Centers

Just because a local agent’s office or a district office is closed does not mean that it is impossible to get service.

Almost all insurance companies will have an option available to their clients on bank holidays if they need to make payments, ask questions about service or make policy changes.

Not only can you call a toll-free number, you may even be able to complete some of your transaction online if there is an online policy tool.

All companies will have a 24 hour a day, 7 days a week claims center for customers to report accidents regardless of the date.

If you are not happy with your current insurers hours, it may be time to compare rates online and compare insurers methods of contact and hours of operation.

Start comparing car insurance rates now by entering your zip code in our FREE tool below!

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