This page is informational only. MyChoice is not affiliated with this company in any way.
PC Insurance Auto Coverage at a Glance
| Available in Canada? | Yes, in selected provinces and territories. Auto is not offered in British Columbia, Manitoba or Saskatchewan, and PC home/auto is not available in Quebec. |
| Available in Ontario? | Yes. |
| Direct, broker or affinity distribution | Affinity agency/direct-to-consumer model tied to PC Optimum. PC Financial Insurance Agency Inc. distributes the product; customers quote online or with a licensed advisor. |
| Underwriting company | Aviva General Insurance Company. |
| How to get a quote | Get a quote and buy online, or call 1-877-253-8177. |
| How to report a claim | Submit an auto claim online or call PC’s current 24/7 claims number, 1-844-689-3128. |
| Digital account or app | Online insurance account is available for policy information, the liability pink slip and payment updates. The PC Optimum app manages rewards, not the insurance policy. Aviva Journey is a separate optional telematics app for eligible auto customers. |
PC Insurance Auto Coverage and Optional Features
- Published options include collision and comprehensive, accident benefits and liability, direct compensation property damage where applicable, accident rating waiver for the first qualifying at-fault accident, liability for damage to non-owned cars, and waiver of depreciation/replacement-style protection for qualifying newer vehicles.
- Aviva Journey provides optional usage-based pricing for eligible drivers. PC also publishes electric-vehicle and hybrid-vehicle discounts, but does not describe a separate EV coverage package.
- Rental/transportation, rideshare and other endorsements should be confirmed with the advisor because availability and eligibility vary by province and policy.
PC Insurance Discounts and PC Optimum Benefits
- Published possible discounts include PC Optimum affinity, combined home-and-auto policy, conviction-free, multi-vehicle, graduated licensing, out-of-town student, theft-recovery device, winter tires, electric vehicle, hybrid vehicle and Aviva Journey usage-based savings.
- Ontario customers may save up to 30% through the combined conviction-free, home-and-auto and PC Optimum affinity discounts, subject to eligibility and policy terms.
Submitting a PC Insurance Auto Claim
About PC Car Insurance
PC Optimum will continue to be owned and operated by Loblaw. The PC Insurance brand name continues to be used by PC Financial Insurance Agency Inc. Policies are written and customer service is provided by Aviva General Insurance Company for PC Insurance home and auto insurance.
EQB completed its acquisition of PC Financial, including PC Financial Insurance Agency Inc. and PC Financial Insurance Broker Inc. from Loblaw on July 1, 2026.
PC personal auto coverage is not sold in British Columbia, Manitoba, Saskatchewan or Quebec, though some of those auto-excluded provinces have home-only products. Subject to eligibility, PC Insurance offers it in Alberta, Ontario, New Brunswick, Nova Scotia, Newfoundland and Labrador, Prince Edward Island, Yukon, Northwest Territories and Nunavut.
PC Insurance Customer Rating Comparison
| Insurance Provider | Company’s Online Rating |
|---|---|
| PC | 4.4/5 |
| Wawanesa | 2.8/5 |
| Allstate | 1.5/5 |
| Sonnet | 1.5/5 |
| Aviva | 4.5/5 |
PC Car Insurance Pros & Cons
Compiled from PC car insurance reviews found online are the following pros and cons.
| Pros | Cons |
|---|---|
| Easy Cancellation Process | Declining Quality and Reputation |
| Positive Claims Experience | High Pricing |
| Stable Rates Over Time | |
| Loaner Car Provided During Repairs |
How PC Calculates Insurance Rates
What factors contribute to calculating insurance rates? PC’s guide explains it all.
- Type Of Vehicle
- Location
- Average Miles Driven
- Driving Record
- Deductible Limits
What Other Insurance Products Does PC Offer?
By combining eligible home and auto policies, you can save up to 35% through PC Insurance. PC Insurance offers auto, home, motorcycle, condo, cottage/cabin, tenant, lifestyle vehicles and other insurance options. PC Optimum members may be eligible for affinity and other discounts. Amounts vary by type of insurance and province.