Help & Support - Customer Service

You can find your policy number on your insurance documents and/or insurance liability card (pink slip).

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.

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.

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.

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.

Click here to get started.

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.

There are many things you can do to help you save on your insurance premiums, including:

For your vehicle:

• Combine coverage to activate discounts – the more insurance you purchase with Scotia Home & Auto Insurance, the more you save. Consider combining all of your vehicles plus your home insurance with us. 
• Purchase Accident Forgiveness – this coverage can help maintain the cost of your premiums after your first accident by protecting your driving record.*
• Maintain your driving record – driving carefully and following the speed limit helps avoid convictions which can negatively impact your vehicle insurance premiums.
• Consider insurance implications before buying and do some research about what vehicles are considered more or less expensive to insure.
• Purchase (and use) winter tires – using winter tires in extreme weather can minimize your chances of having an accident, which could increase your premium. Also, in certain areas of Canada, we offer an outright discount just for having them.**
• Choose higher deductibles – generally, if you choose a higher deductible, your insurance premiums will be lower.
• Driver's training*** – vehicle insurance can be expensive for newly licensed drivers. Taking a licensed driver's training course can help offset this.

For your home:

• Combine coverage to activate discounts – the more insurance you purchase with Scotia Home & Auto Insurance, the more you save. Consider combining your home insurance and your vehicles with us. 
• Inspect and maintain your home regularly – the things that reduce your premium are often the same things that you are already considering to keep your home safe and well-maintained for you and your family. By proactively avoiding perils, you avoid claims, and therefore avoid increases to your premiums.
• Consider insurance implications before buying – newer homes are generally less expensive to insure, because their heating, plumbing and electrical systems are likely to be in better condition than older homes. The location of your home can also influence insurance premiums.

At Scotia Home & Auto Insurance protecting you, your family and your assets with the best coverage we can provide is always our goal.

*Not available in Quebec. Please contact us at 1.833.235.2136 if you have questions about coverage in Quebec.

**Not applicable in Quebec. Winter tires are mandatory in Quebec.

***Not applicable in Quebec. Driver’s Training is mandatory in Quebec. 

If you’re already a Scotia Employee Home & Auto Insurance Program customer, your existing policy will continue as is until renewal.

When you receive your notification of renewal for your current policy(s), be sure to call 1.833.235.2136 to ensure you continue to receive preferred employee rates under the Scotia Employee Home & Auto Insurance Program.