Does my auto insurance provide any coverage when I rent a car?
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.
Will my insurance premiums increase over time?
Every case is different. Contact us to discuss. Our claims service is available 24/7 every day of the year.
What sort of information do I need to provide to get a quote for ATV insurance?
In order to properly assess your application, there are a couple of things we'll need from you when you contact us. These include:
If you have any specific questions about ATV insurance, your Service Specialist will be happy to answer them.
I've been hurt in an accident. Can I make a claim?
This depends on the coverage you've chosen.* You can check your policy, or let us take a look for you. Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.
*Not applicable in Quebec. Bodily injuries caused by an accident are covered by the Socitété d’Assurance Automobile du Quebec. Please contact us at 1.833.223.8743 if you have questions about coverage in Quebec.
How do I make a claim because of a fire?
Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.
What is Direct-Compensation-Property Damage?
This is a coverage available in Alberta, Ontario, Newfoundland and Labrador, Nova Scotia, Prince Edward Island and New Brunswick.
Direct Compensation Property Damage means that you deal with your own insurance company for a claim, regardless of who is at fault for the accident and your claim will be processed without waiting for a third party decision. In some provinces, this covers damage to your vehicle and/or its contents if another person was fully or partly at fault for the accident.
It is called direct compensation because even though someone else causes the damage, you collect directly from your insurance company. It is a standard inclusion in your policy when you purchase third party liability insurance.
How do I choose the right coverage?
There are two groups of coverage for your vehicle - mandatory coverage and optional coverage.
Mandatory types of coverage that are required by law:*
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.
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.
How does the type of car I drive affect the cost of my auto insurance?
The type of car you drive usually only affect the parts of your insurance that cover damage to your vehicle:
Collision
Comprehensive
Direct compensation
The cost for these coverages can vary because:
Some cars cost more to repair than others
Some cars hold up better in a collision than others (so need less repair work).
In Ontario the type of vehicle you drive impacts Accident Benefits.