Save up to 20% on car insurance and up to 10% on home insurance when you bundle with Scotia Insurance in Ontario^*

Plus save an extra 10% on car insurance¹ and 5% on home insurance with an online quote.²

Or call 1-833-897-3707

happy family with pet

Save up to 20% on car insurance and up to 10% on home insurance when you bundle with Scotia Insurance in Ontario^*

Plus save an extra 10% on car insurance¹ and 5% on home insurance with an online quote.²

Or call 1-833-897-3707

Scotia Home & Auto Insurance

Your Scotia Home & Auto Insurance policies let you protect what matters most with a variety of coverages tailored to your specific needs, and if the unexpected happens at home or on the road, we’re with you.

Benefits you can look forward to:

Multi-Vehicle Discount

24/7 Emergency Claims Service

Flexible Payment Options

Auto Insurance

Auto Insurance

Multi-Vehicle Discount – When you insure two or more vehicles, you’re eligible for discounts.³

Roadside Assistance Option – Available when you insure your auto, in case you get a flat tire or need a tow.⁴

Auto Claim Forgiveness Option – Available to protect your insurance premium from increasing as a result of your first at-fault accident.

Smarter ride - Save more with safe driving. Smart drivers with safe driving habits could be rewarded and save on their car insurance.⁵

Or call 1-833-897-3707

Home Insurance

Home Insurance

Discounts for mortgage-free homeowners.

S.O.S. Identity Theft Coverage – Up to $25,000 to help you get back on track in the event of identity theft or a cyberattack.

Enhanced Water Damage Package – You'll be protected if water from an external source suddenly and accidentally begins seeping into your home due to an event like rain, snow or leaks.

Moving Coverage – Coverage for your personal belongings for 90 days while you move.

Or call 1-833-897-3707

Disclaimer

^®Scotia Insurance is a registered trademark of The Bank of Nova Scotia, used under license by BNS Insurance Agency Inc. (“BNSIA”).

Scotia Home & Auto Insurance is arranged for by BNSIA. Home and auto policies are underwritten by Belair Insurance Company Inc., and services are provided by belairdirect Agency Inc. except in the province of Quebec where the services are provided by Belair Insurance Company Inc. We offer car insurance and home insurance in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador and Prince Edward Island and home insurance only in British Columbia.

^®belairdirect is a registered trademark of Belair Insurance Company used under licence.

^*The auto savings amount is based on filed and approved discounts and rates. Savings amounts may vary based on each person’s individual insurance profile. Bundled savings on home policies are only applied to building & contents coverages. Savings amounts vary by province. Policies must be purchased through BNSIA to be eligible. Home discounts apply to principal residences which include homeowner, tenant and condo policies.

¹ Auto: Only available to new Ontario Scotia Insurance customers and existing customers’ first policy renewal. The savings percentage is based on filed and approved discounts and rates for the base automobile insurance policy only, which excludes endorsements. The overall savings percentage on the total amount of premium may thus vary depending on selected additional coverages, if any. The discount percentage will vary on renewal.

² Home: Only available to new Ontario Scotia Insurance customers and existing customers’ first policy renewal. Does not apply to certain fixed price endorsements. The overall savings percentage on the total amount of premium may thus vary depending on selected additional coverages, if any. The discount percentage will vary on renewal.

³ Contact a Scotia Home & Auto Insurance Agent to see if you qualify for the Multi-vehicle Discount. The savings amount is based on filed and approved discounts and rates. These amounts may vary based on each person’s individual insurance profile.

⁴ To verify if you have the roadside assistance endorsement, please consult your insurance policy for a complete description of coverage and exclusions. Roadside assistance services are offered by an independent third party as part of the roadside assistance endorsement.

⁵Average proportion of drivers who achieved savings nationally. Smarter ride is only available in Alberta, Ontario and Quebec. There are other factors than your participation in Smarter ride that are used to determine your premium and may cause your premium to increase or decrease when your car insurance is renewed. Certain conditions and limitations apply. Please consult the Terms of Use of the Smarter ride program.

Described coverage and benefits are applicable only to policies underwritten by Belair Insurance Company Inc. and their availability varies depending on province. 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.