The plan for when things don’t go as planned

Why choose Scotia Insurance?

Scotia Insurance has teamed up with some of Canada’s most trusted insurance providers to give you access to the best insurance options for your needs.

Your needs first

Scotia Insurance puts you first. Our dedicated insurance advisors are here to provide you with personalized help and exceptional service.

Protection that fits you

Whether you’re looking to protect your home, car, or yourself and loved ones, we have the expertise and resources to help find the coverage that meets your needs.

Coverage made easy

Take advantage of flexible and affordable coverage options, comprehensive benefits, and competitive prices.

Manage your home & auto insurance online

Digital proof of insurance
Submit and track a claim
Policy and payment information
Make updates & more

Discover Online Services

Ready? Log in

Download the app!

Our insurer partners

At Scotia Insurance we are committed to building strong relationships with our insurer partners to bring our valued customers premium insurance products at competitive rates.

Frequently Asked Questions

We understand it's hard to know if you're getting the best price. This is because premiums don't tell the whole story and coverages can differ significantly. While it's tempting to compare quotes and take the lowest price, make sure that the coverages meet your needs and remember the least expensive insurance may not give you the best value. Service and variations in coverages can make a big difference.

Your insurance should at least cover:

The cost to rebuild your home (often different from its market value - Guaranteed Replacement Cost coverage is available to protect you if the cost to rebuild is underestimated)
The cost to replace your personal property
Protection against liability claims

Need help?

Your Service Specialist can help you estimate how much coverage you need. They will also help you decide on the type of coverage you need and the deductible (the amount you are responsible for paying before a claim is paid).

Legal notes

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. (collectively “belairdirect”). 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.

Scotia Critical Illness Insurance and Scotia Health & Dental Insurance are arranged for by BNSIA and are underwritten by Canadian Premier Life Insurance Company. Securian Canada is the brand name used by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company to do business in Canada.

Scotia Enhanced Critical Illness Insurance and Scotia Accidental Death Insurance is arranged for by BNSIA and underwritten by Chubb Life Insurance Company of Canada.

Scotia Term Life Insurance is arranged for by BNSIA and underwritten by The Empire Life Insurance Company.

Scotia Travel Insurance, distributed by the BNS Insurance Agency Inc., is underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife. Manulife, P.O. Box 670, Stn. Waterloo, Waterloo, ON N2J 4B8.

These products are not available in Scotiabank branches. All insurance coverage is subject to certain limitations, restrictions and exclusions set out in the applicable Certificate of Insurance or Policy of Insurance and/or may vary by province or territory.

Apple and the Apple logo are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Play, the Google Play logo and Android are trademarks of Google LLC.

Scene+ is a loyalty rewards program operated by Scene Limited Partnership (“Scene LP”), a limited partnership owned by Scotia Loyalty Ltd., a subsidiary of The Bank of Nova Scotia, Galaxy Entertainment Inc., a subsidiary of Cineplex Entertainment LP, and Empire Company Limited.

The plan for when things don’t go as planned

Scotia Insurance has teamed up with Scene+^*

When it comes to insurance for Canadians, Scotia Insurance has you covered