This page is for informational purposes only. MyChoice is not affiliated with this company.
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 Insurance is the brand used by PC Financial Insurance Agency Inc. 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 Insurance remains available under the PC brand, while home and auto policies are underwritten and serviced by Aviva General Insurance Company. Loblaw continues to own and operate PC Optimum.
PC Insurance offers personal auto insurance, subject to eligibility, in Alberta, Ontario, New Brunswick, Nova Scotia, Newfoundland and Labrador, Prince Edward Island, Yukon, Northwest Territories and Nunavut. Auto insurance is not offered in British Columbia, Manitoba, Saskatchewan or Quebec. PC Insurance also offers home-only products in some of those excluded-auto provinces.
PC Insurance Customer Rating Comparison
| Insurance Provider | Company’s Online Rating |
|---|---|
| PC | 4.4/5 |
| Wawanesa | 2.8/5 |
| Allstate | 1.7/5 |
| Sonnet | 1.7/5 |
| Aviva | 4.5/5 |
PC Car Insurance Pros & Cons
Below are some main pros and cons of getting car insurance with PC, based on the company’s online reviews.
| 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
PC offers a transparent guide to how they calculate insurance rates. They calculate rates based upon factors including:
- Type Of Vehicle
- Location
- Average Miles Driven
- Driving Record
- Deductible Limits
What Other Insurance Products Does PC Offer?
PC Insurance distributes home, condo, tenant, cottage/cabin, motorcycle and lifestyle-vehicle products as well as auto insurance. PC Optimum members may qualify for affinity and other discounts; current total potential savings vary by product and province and can reach up to 35% for eligible home-and-auto combinations.