Combined Insurance (US) vs NJM Insurance Group: most-reported complaints compared
Most-reported issues at Combined Insurance (US) and NJM Insurance Group, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
Combined Insurance (US)
TrustScore 4.7 · 1,859 reviews on Trustpilot.
468 reviews analysed, 2023-02-22 to 2026-09-24.
Complaint rate (recent window): 6%
71% of negative reviews get a company reply.
“Combined has never paid a claim without denying it.”
NJM Insurance Group
TrustScore 4.6 · 17,097 reviews on Trustpilot.
417 reviews analysed, 2026-05-06 to 2026-09-23.
Complaint rate (recent window): 11%
98% of negative reviews get a company reply.
“when they do and you complete the 18 page report and submit photos of damage Honk denies and closes the claim.”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Combined Insurance (US) | NJM Insurance Group |
|---|---|---|
| Support unhelpful | 39% | 43% |
| Warranty disputes | 23% | 13% |
| Support unreachable | 17% | 13% |
| Other | 14% | 13% |
| Billing errors | 13% | 6% |
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, Combined Insurance (US) or NJM Insurance Group.