Help & Support - Auto Insurance

Only if you have added this optional coverage to your policy. You may be eligible for a rental car if you have Loss of Use coverage or Direct Compensation Property Damage coverage.

Please contact us to add this coverage to your policy.

Part of our service is providing somebody to help you every step of the way. It's important that you let us know right away if you hear from a person also involved in an accident or their lawyer or other representatives.

Yes, if you own and drive a vehicle on public roads, you must have car insurance. Every licensed driver in Canada has access to insurance, even in provinces with only private insurers. High-risk drivers may have to pay considerably more than average, but these drivers can at least get the minimum required coverage.

Typically, a deductible is applied to every claim. The exception (in most provinces) is when the loss is caused by fire, lightning or when a vehicle is stolen.

There are two groups of coverage for your vehicle - mandatory coverage and optional coverage.

Mandatory types of coverage that are required by law:*

• Third Party Liability Coverage
• Statutory Accident Benefits Coverage (in most provinces)
• Uninsured Automobile Coverage (in most provinces)
• Direct Compensation - Property Damage (DC-PD) Coverage (in most provinces)

Optional types of coverage include:

• Optional Increased Accident Benefits Coverage (in most provinces)
• Waiver of Depreciation
• Rental Car Coverage (Liability to Damage to Non-Owned Automobiles)
• Accident Forgiveness
• Loss of Use Coverage

You are not required by law to purchase insurance to cover damages to your vehicle. But, if you have a newer vehicle, you may want to protect your investment with Comprehensive Coverage and/or Collision Coverage. If you're leasing or financing your vehicle, it will be required by your leasing company or bank that you insure your vehicle for both Collision and Comprehensive coverage.

Another popular service you can add to your policy is Roadside Assistance. 

At Scotia Home & Auto Insurance, we work with you to offer choices and flexibility. Optional coverages and added services allow you to customize your policy to best protect you and your family.

*Not applicable in Quebec.

Only if you have added this optional coverage to your policy. When traveling in Canada and the United States, this will extend Third Party Liability Coverage and physical damage protection to private passenger rental vehicles only. Some limitations apply.

Everybody is different, so everybody needs different coverage. It's best to work with an expert like a Service Specialist to be sure you have the right coverage. And, make sure you let your Specialist know if your circumstances change, so they can work with you to adjust your coverage.

There is no right answer to fit everybody's situation. Talk to an insurance expert, such as a Service Specialist, and they'll help you decide. You should always review your coverage if your circumstances change. For example if you move or change vehicles.