Auto insurance
Protect yourself on the road with an auto insurance policy that goes the extra mile.
Bundle and save.
Take advantage of additional savings and benefits when you insure your home and car through us.*
Benefits you can look forward to:
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24/7 claims service
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Multi-vehicle discount
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Loss of use coverage
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Flexible premium payment options
Coverage options**
From basic to comprehensive, and everything in-between, Scotia Auto Insurance has the right coverage for your car, truck, or motorcycle. In Canada certain coverages are mandatory for all drivers, however, there are many optional coverages you can add to suit your individual needs and budget.
Our coverage options include:
Liability
This covers your personal liability in the event of accidental damages or injury to someone else. Choose $1 million or $2 million in coverage.
Uninsured Auto±
Uninsured Auto coverage financially protects you if you are hurt by an uninsured or hit and run driver. Your vehicle damage and contents may also be covered too.
Collision
This covers repairs to your vehicle after a collision that you are responsible for. If you finance or lease a vehicle, your financial institution may require you to have this coverage.
Comprehensive
An extra, Comprehensive coverage financially protects you in the event of damage that does not occur from a collision; like hail, fire, theft or vandalism.
All Perils±
An All Perils policy gives you access to both Comprehensive and Collision insurance, providing you with full coverage. In addition, you are also covered for theft of your vehicle by someone who lives in your house.
Rental Vehicle Coverage
If you have both Collision and Comprehensive insurance on your policy you may be eligible for Rental Vehicle Coverage too. This insures you for car rentals in Canada or the U.S. up to a certain limit.
Additional benefits
Get more from your Scotia Auto Insurance with additional benefits to suit your unique needs and lifestyle.
Auto Claim Forgiveness
Accidents happen. Protect your insurance premium from going up with Auto Claims Forgiveness.
Smarter ride♢
With Smarter ride, you can receive a customized insurance premium upon renewal for being a smarter driver, plus access features like Crash Assist, Weather Alerts, Car Care, and more.
Manage your home & auto insurance online
- Digital proof of insurance
- Submit and track a claim
- Policy and payment information
- Make updates & more
Download the app!
4.6 average rating
Based on Apple App Store and Google Play store ratings of Canadian mobile insurance apps as of March 2025.
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Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory. The information that appears on this website is provided to you for informational purposes only. Your insurance contract prevails at all times; please consult it for a complete description of coverage and exclusions.
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