We continue to be here for you

As workplaces and schools re-open, it is important to review and update your home and auto insurance to ensure you have the appropriate coverage in place. The Scotia Home and Auto Insurance team are here to support you as we continue to make changes to our financial relief and digital service options. As of October 1, 2020, certain accommodations that were put in place because of COVID-19 will no longer be in effect. See below for more details.

Driving habits returning to normal? Ensure you have the right coverage.
If you previously made changes to your auto insurance as a result of COVID 19, and you are now commuting again, or your daily kilometers driven has increased, you’ll need to update your driving details and coverage. Otherwise, you may not be covered for a claim or have the appropriate insurance coverage in place.

There are two ways to update your coverage:

  1. The fastest and most convenient way to update your annual driving and commuting distances is by completing this form.  Simply enter your name, policy number, and answer a few brief questions.
  2. You can also reach us via live chat or by phone and we’ll be happy to modify your coverage.

For customers in QC, please call to update your auto insurance coverage.

Please note that updating your coverage may result in a change to your auto insurance premiums.

Customer Relief Updates
Customers who are continuing to temporarily use their vehicle for delivery services after September 30, 2020 need to contact us to ensure their insurance coverage is appropriate. Use of vehicle for deliveries under existing your existing policy may result in denial of claim and/or mid-term cancellation.

Customers who may still be working from home due to COVID-19 can rest assured that we will not make any changes to your policy without notification that your driving habits have resumed. Effective October 1, 2020 we will be reinstating our standard practices with respect to NSF fees.


Help & Support 

Whether it’s our 24/7 claims line or online self-service, we’re here when it matters most. Here’s how you can get assistance with your policy: 

Manage your Car Insurance Online

  • Access policy documents, add coverage, update deductibles and review your payment and policy details online using our self-service portal. Manage your auto policy now

Home & Auto Service 

  • Online chat is a convenient way to ask simple questions about your policy. Visit our Help and Support page to chat online now 
  • You can also reach our service team at 1-833-224-7305
    Monday to Friday 8am – 6pm
    Saturday 9am – 5pm
    Your local time

24/7 Claims Service

  • Call any time and speak with an agent to make your claim at 1-833-223-8743


Have a question?  We have an answer

How can I save on my car insurance during COVID-19?
If your number of kilometers driven has decreased, you may be able to reduce your auto insurance premium.  For example, if you no longer commute to work and only drive to obtain essentials such as groceries and prescriptions.

The fastest and most convenient way to request the change is by completing this form. Your policy will be updated as requested and you will be contacted if required. Please note that you must contact us when your driving patterns return to normal in order to ensure you maintain the right coverage. Please note that an increase to your coverage may result in a change to your car insurance premiums. This form is not available in Quebec. For customers in QC, please call us to adjust your kilometers driven or to discuss additional savings options.

If I’m working from home as instructed by my employer, should I have any concerns with my property insurance?
If you are required to work from home due to the current situation with COVID-19, the property coverage you have in place will not be impacted. This is an extraordinary situation where everyone is doing what is needed to help prevent the spread of the disease.

Am I covered if I am still using my vehicle for deliveries?
If you’re continuing to use your vehicle for deliveries after September 30th (e.g an employee of a pharmacy, restaurant, grocery store or part of an app-based food delivery service such as UberEats, Skip the Dishes, Instacart, etc) please contact us to ensure you have the appropriate coverage in place. The temporary accommodation for coverage for this usage under existing policies has been removed as of October 1st, 2020 and the proper vehicle for delivery coverage needs to be put in place.

Is there coverage in my Home Policy for Learning Pods?
We understand that many parents are seeking alternative solutions for their children instead of attending school in-person. Coverage is not impacted when parents are keeping their children or relatives at home for the sake of online learning, or are sharing parenting duties or online learning with neighbours or relatives.  However, we do not allow commercial/paid childcare (including daycares) or schools where teachers or tutors are hired to be operated in the home. In these situations, it is important to call us to get commercial or specialty insurance put in place.

I currently pay by cheque, how can I make my premium payments?
While cheque payments are still acceptable, we recommend that you use other options, including online banking.


® Registered trademark of The Bank of Nova Scotia, used under license. ScotiaLife Financial is the brand name for the Canadian insurance business of The Bank of Nova Scotia and certain of its Canadian subsidiaries.  Policies are underwritten, and claims handled, by Unifund Assurance Company (“Unifund”) except in the province of Quebec where the policies are underwritten, and claims handled, by Royal & Sun Alliance Insurance Company of Canada (“RSA”). Johnson Inc., as sub-contractor to BNS Insurance Agency Inc., provides certain customer services in respect of Scotia Home & Auto Insurance. Johnson, RSA and Unifund share common ownership. The described coverage and benefits are applicable only to policies underwritten by Unifund or RSA.