Help & Support - Customer Service

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.

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’ve purchased a policy under the Scotia Employee Home & Auto Insurance Program, on or after 22 November 2018, please call us at 1.833.235.2136.

If you have not yet renewed or purchased your policy prior to November 21, 2019, please call your current insurer at 1.888.277.6481.

If you’re unsure, you can always check your policy documents or call us at 1.833.235.2136.

In the insurance world, "personal articles" or "scheduled articles" are items covered by a special endorsement added to a policy. Some of these items are subject to special limits that may mean that you do not have the coverage that you need unless you purchase additional coverage. Examples are:

• Jewellery
• Furs
• Cameras
• Silver/goldware
• Sports equipment
• Fine art (including items like oriental rugs, as well as paintings, sculpture, etc.)
• Collectibles
• Computer equipment

We suggest speaking to your Service Specialist to discuss coverages and added premiums for these Personal Articles riders.