If you have any specific questions about snowmobile insurance, your Service Specialist will be happy to answer them.
Do you offer motorcycle insurance?
Yes, we do but some restrictions apply. Motorcycle insurance is based on 12 months of coverage and accounts for off-season storage. A basic policy typically covers:
If you have any specific questions about motorcycle insurance, your Specialist will be happy to answer them.
*Not available in Ontario **Not available in Quebec
What does Specified Perils coverage provide me?
This covers loss or damage of your vehicle. It often goes hand in hand with Collision coverage as an alternate to Comprehensive cover but, it can be purchased separately.
Specified Perils covers the cost of damage from:
Fire
Theft or attempted theft
Lightning
Windstorm
Hail
Rising water
Earthquake
Explosion
Riot or civil commotion
Falling or forced landing of an aircraft (or its parts)
Damage during transport on land or water (e.g. sinking of a ship, derailment of a train, burning or collision of a truck carrying the vehicle)
Glass breakage and vandalism aren't covered. Comprehensive coverage helps in those cases.
This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may not permit Specified Perils and may insist that Comprehensive cover is required. You should check with your financial institution to determine what is acceptable to them.
What are the penalties if I don't have auto insurance?
It is illegal not to have insurance on a vehicle you're using on public roads in Canada. The penalty is usually a fine, but this varies from province to province.
As well as being illegal, not having insurance is a huge risk to your financial security and your future. You must pay for damages for which you are legally responsible. Without insurance, you could have to pay personally for losses and injuries - to yourself, your passengers, other drivers, and their passengers, as well as pedestrians and cyclists. It could mean millions of dollars in costs. Not only could you lose your home and assets, but you may also lose your future earnings.
When you buy car insurance, you get a Canada Inter-Provincial Motor Vehicle Liability Card ( your insurance "pink card"). It is honoured as proof of insurance anywhere in Canada. You should keep this with you at all times and produce it when a police officer requests it.
What does Uninsured Automobile coverage provide me?
This coverage is available if you have an accident caused by someone who is uninsured (i.e. neither the owner or driver is insured) or not identifiable (for example, in a hit and run). You are covered by your own insurer thanks to Uninsured Motorist Cover (in Alberta) and Uninsured Automobile coverage (in other provinces). To qualify, the other driver has to have been at fault.
How much coverage is available? You will be covered up to the statutory limit in the province where you live or the province where the accident took place, whichever is less. This is generally $200,000. The exceptions are Nova Scotia ($500,000) and Quebec* ($50,000).
*Specific Uninsured Automobile Coverage is not offered in Quebec, but coverage is included under the mandatory civil liability coverage.
How can I review my insurance policy?
Your most recent policy documents will have in-depth information about your policy. Misplaced your documents? Contact us at 1.833.223.8740.
I need to replace lost/damaged items. How does that work?
For an auto claim: Once a Claims Adjuster has assessed the damage, you are ready to make repairs or replace your vehicle. For repairs, you can choose your own shop, or we'll help you find a trustworthy preferred vendor. If your vehicle cannot be repaired, the Claims Adjuster will coordinate a payment so that you can purchase a new vehicle.
For a home claim: Your Claims Adjuster will assess the damage. Then you can start working with a contractor to make repairs or shop for replacement items. Scotia Home & Auto Insurance will issue a payment for an agreed amount.
Auto Insurance