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.
Who do I call if I need service on my policy?
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.
ScotiaLife Financial is a trademark of Bank of Nova Scotia used under license by BNS Insurance Agency Inc. Scotia Employee Home & Auto Insurance Program is arranged for by BNS Insurance Agency Inc. The new Scotia Employee Home & Auto Insurance Program will be serviced by Johnson Inc. and underwritten by Royal & Sun Alliance Insurance Company of Canada in Quebec and Unifund Assurance Company in the rest of Canada. Auto insurance not available in BC, SK or MB. Home and auto insurance not available in NU.
How does a deductible impact my premiums?
The higher the deductible, the lower the premium. When comparing policies, make sure you know what the cost of the deductible is. While a lower premium is tempting, make sure the deductible won't be too high for you to pay if you have to make a claim.
Customer Service