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.*

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Benefits you can look forward to:

  • 24/7 claims service

  • Multi-vehicle discount

  • Loss of use coverage

  • 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:


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.


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. 


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 
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24/7 Insurance Claims

Should the unexpected happen, we’ll be here every step of the way.  You can report your claim day or night directly to one of our friendly insurance representatives.

Helpful tools and resources

Mobile Safety and Driving

More people than ever are now using mobile phones to talk, text, e-mail and stay connected with friends and family.

Tips on Buying Your First Car

Buying your first car is a big decision—and a big purchase. A few tips on how to go through the process can help make sure things go smoothly.

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