We're here for you

Over the last several weeks, COVID-19 has created financial challenges for many Canadians—and we’re  here to help ease the burden. We are proud to work alongside you, and all of our customers, to deliver you options and support best suited to your needs right now. 

We are proud to be able to offer Scotia Home & Auto customers* the following: 

Automatic rebate
Through the Automatic rebate, car insurance customers with an active policy on May 22, 2020 will automatically receive a 10% reduction in their car insurance premiums for the months of April, May and June. No action is needed by customers and you do not need to contact us. Our system will automatically apply the reduction to your premium, and the majority of rebates will be reflected in automatic deductions starting in June. For further details please see our FAQs.

Please note, this rebate is not available to customers in QC.

Flexible payment options
Flexible payment options have been made available to help support customers who are experiencing financial hardship due to COVID-19. Please contact us to discuss these options.

Waiving of NSF fees
Non-Sufficient Funds (NSF) fees are being waived during the COVID-19 crisis, effective April 5th, 2020. Please note that financial institutions may still charge a separate fee for NSF. 

Adjusted premiums for changes in driving habits
If your number of kilometres driven has decreased, you may be able to reduce your auto insurance premium. The fastest and most convenient way to request the change is by completing this form

For customers in QC, please call to adjust your kilometres driven.

Coverage for use of vehicle for deliveries  
As a way to step up for our local heroes serving their communities, customers who notify us that they are temporarily using their vehicle for delivery during the pandemic (e.g. an employee of a pharmacy, restaurant, grocery store, or as part of an app-based food delivery service) will be covered under their existing policy without an impact to their car insurance premium. Please contact us to make this adjustment to your coverage.

Stay at home, stay covered
As all Canadians are encouraged to ‘Stay at Home’, customers who are required by their employer to work from home due to the current situation with COVID-19 can rest assured that the property coverage they already have in place will not be impacted. There is no action needed by you in this circumstance.  

 

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 (Mon-Fri 8am – 6pm local time)

24/7 Claims Service

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

 

I have questions about financial relief measures

I am experiencing financial hardship as a result of COVID-19, what options are available to me?

We understand that many Canadians are struggling financially due to the COVID-19 pandemic. We want to help support you at this time. The following assistance is being offered to Scotia Home & Auto Insurance customers during the COVID-19 crisis*:

  • Car insurance customers with an active policy on May 22, 2020 will automatically receive a rebate of 10% on their premiums for April, May and June 2020. The rebate will have no impact on your coverage, and no action is required by you.  Please note, this rebate is not available to customers in QC.
  • If your driving habits have changed, you may be eligible for a reduction in your auto insurance premiums.  Please note: you must notify us once you begin commuting again in order to maintain your coverage. See “How else can I save on my car insurance during COVID-19?” for more information.
  • Flexible payment options are available for customers who are struggling financially.
  • Extended coverage to customers who are temporarily using their vehicle for delivery services.
  • As of April 5, NSF fees have been waived. Please note that financial institutions may still charge a separate fee for NSF.

How much is the rebate for and what do I need to do to receive it?

Car insurance customers with an active policy on May 22, 2020 will automatically receive a rebate of 10% of their car insurance premium for the months of April, May and June 2020. The rebate will have no impact on your coverage, and no action is required by you.  We expect most rebates will be distributed and automatic deductions will be modified by June. Please note, this rebate is not available to customers in QC.

For further details on when you will receive this rebate please see “How and when will I receive the rebate?”

You may be eligible for additional savings we are offering. Please see “How else can I save on my car insurance during COVID-19?”

How and when will I receive the rebate?

Car insurance customers with an active car policy on May 22nd will receive a 10% rebate automatically.  

How you receive the rebate depends on how you pay your premium. For those customers who pay by bank deduction, the total rebate amount will be used to decrease all remaining deductions equally for the remainder of the policy. Customers who have paid their policy in-full will receive a refund by cheque in most cases. We expect most rebates will be distributed and automatic deductions will be modified by June. 

Please note, this rebate is not available to customers in QC.

How else can I save on my car insurance during COVID-19?

If your number of kilometres 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. 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.

To learn about additional ways you can save on your car insurance, feel free to reach out and chat with one of our agents. Our team would be happy to walk you through your options and find out how you can save.

I am considering doing deliveries of groceries and/or essential items. Do I need to change my car insurance policy?

We have made provisions for customers who are temporarily using their vehicle for delivery (e.g. an employee of a pharmacy, restaurant, grocery store, or as part of an app-based food delivery service) during the COVID-19 crisis to be covered under their existing policy without an impact to their car insurance premium. Please contact us so we can note this on the policy and ensure it’s included in your coverage.

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.

I currently pay by cheque, how can I make my premium payments?

Customers can continue to pay by cheque, however, due to recent events related to COVID-19, we are experiencing delays in our mail processing. This has resulted in some customers who pay using cheques inadvertently receiving late payment notices. While cheque payments are still acceptable, we strongly recommend that you use other options, including online banking.

Current customers can review their payments online via our self-service tool.

 

® 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.