Canada postal workers are on strike. Manage your coverage, payments, claims, and view your home and auto insurance documents, including your new pink slip online. Contact us for assistance.
You can find your policy number on your insurance documents and/or insurance liability card (pink slip).
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 payment options do you offer?
We offer a variety of payment options to suit your needs. The most common include either direct withdrawal from your bank account or payroll deductions (that are available for certain groups).
We also offer an option called Time Account, in which the customer can make payments to settle the policy premiums in full (usually via e-transfer) over a maximum of the first (eight) 8 months.
When will my monthly premium payment be deducted from my bank account?
Your first premium payment will usually be deducted within 30-60 days from the date that your new policy is issued.
Deductions for payment of insurance premiums with Johnson are processed on the 5th of each month.
Deductions will continue every month on the 5th, up to but not including the month before the renewal date. This will allow all deductions to be made on the current policy and allow for one payment to be made on the subsequent renewal.
After the first year, there are usually 12 equal deduction amounts with the first payment due the 5th of the month before the renewal date.
What happens if I miss a payment?
Deductions for payment of insurance premiums with Scotia Home & Auto Insurance are processed on the 5th of each month.
If a payment is returned by your financial institution due to Funds Not Cleared or Insufficient Funds, we will attempt to collect the same amount from your account 5-7 business days later - giving you another opportunity to have the funds available.
If, on the 2nd attempt, your payment is returned by your financial institution, your deduction will be subject to a handling fee. The missed deduction, along with the handling fee and any additional tax, will be spread equally over the remaining policy term - therefore increasing your subsequent monthly deductions.
In the event of multiple missed deductions, your policy will be cancelled by registered mail, in accordance with provincial regulations.
Please note, your financial institution may charge you for each unsuccessful withdrawal attempt, depending on your fee plan. An option to avoid this is to arrange with your bank for overdraft protection to prevent insufficient funds.
How can I change my address for my car or home insurance?
It's important to contact us if your address will be changing - and not just to direct your snail mail! Did you know that moving - even within the same town or city - can have an impact on your vehicle insurance premium? Plus, vehicle insurance laws are different in every province.
If you are moving, you can contact us by email or phone. Please reference your policy number for quicker service and have ready your complete new address, including postal code.
What information will I need to provide to access online transactions?
For most online transactions via the Scotia Insurance website, you will require:
Your policy number – customers may have more than one policy number on the profile, so please make sure to have the policy number that best pertains to your inquiry. You can find your home and vehicle policy numbers on your insurance documents. For vehicle insurance, your policy number will also be found on your insurance liability card (pink slip).
Your telephone number – this will be the telephone number associated with your customer profile.
Your email – this will be the email associated with your customer profile.
Customer Service