Canada Post service disruption is in effect. Manage your renewal, payments, claims, and view your insurance documents, including your new pink slip here.
If you purchased a policy on or after April 2 2019, and have a new claim please call 1.833.223.8743.
If you have an ongoing claim or have not yet received your notification on renewal outlining a change in underwriter, please call 1.866.989.4754.
If you’re unsure, you can always check your policy documents or call us at 1.833.223.8743.
®Scotia Insurance is a registered trademark of The Bank of Nova Scotia, used under license by BNS Insurance Agency Inc. (“BNSIA”). Scotia Employee Home & Auto Insurance is arranged for by BNSIA. Home and auto policies areunderwritten by Belair Insurance Company Inc., and services are provided by belairdirect Agency Inc. except in the province of Quebec where the services are provided by Belair Insurance Company Inc. (collectively “belairdirect”). Auto insurance not available in BC, SK or MB. Home and auto insurance not available in NU. ®belairdirect is a registered trademark of Belair Insurance Company used under licence.
Who do I call if I need service on my policy?
If you purchased a new policy on or after April 2 2019, or have received a notification of renewal outlining the change in underwriter, please call 1.833.223.8740.
If you have not yet renewed or purchased your policy prior to October 23, 2023, please call us at 1.833.235.2136.
If you’re unsure, you can always check your policy documents or call us at 1.833.235.2136.
®Scotia Insurance is a registered trademark of The Bank of Nova Scotia, used under license by BNS Insurance Agency Inc. (“BNSIA”). Scotia Employee Home & Auto Insurance is arranged for by BNSIA. Home and auto policies are underwritten by Belair Insurance Company Inc., and services are provided by belairdirect Agency Inc. except in the province of Quebec where the services are provided by Belair Insurance Company Inc. (collectively “belairdirect”). Auto insurance not available in BC, SK or MB. Home and auto insurance not available in NU. ®belairdirect is a registered trademark of Belair Insurance Company used under licence.
I’ve never had a claim, so why has my insurance premium gone up?
Insurance is a protection plan that involves a group of people whose premiums are gathered into a common fund. When someone in the group suffers a loss, such as a serious car accident, their insurance company accesses the premiums in this fund to cover claims arising from losses. In a year when there are many claims, or when settlements are especially high, everyone in the group will have slightly higher premiums the next year to ensure that the fund is full.
Premium rate calculations are also influenced by changes in government regulations and taxes. Also, the costs of court awards, towing fees, repair costs and insurance fraud all have an impact on how premiums are determined.
What does a Claims Adjuster do?
A Claims Adjuster is a representative of the insurance company. An Adjuster:
coordinates an appraisal
gathers the facts
reports the details of a claim to the insurer
recommends whether a claim is covered under the policy
negotiates with the policyholder on behalf of the insurance company.
How can I report insurance fraud?
The Insurance Bureau of Canada provides the most up-to-date information regarding insurance fraud and how best to report it.
How can I make changes to or ask questions about my policy?
Our goal at Scotia Home & Auto Insurance is to make finding the information you need as quick and as simple as possible.
You can contact us at 1.833.223.8740. Please reference your policy number for quicker service.
Can you provide claims service in another language?
When you call the claims service line, you have a choice of service in English or in French. If you'd like service in another language, we can call on our third-party translation service to help.
How do I update my banking information for direct withdrawal?
To update your banking information for direct withdrawal, please contact us and reference your policy number for quicker service.
If you are making a change to your account information and/or financial institution, please advise us as far in advance as possible to minimize any potential disruption to your payment schedule.
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