This page is for informational purposes only. MyChoice is not affiliated with this company.
Scotiabank Auto Insurance: Snapshot
| Available in Canada? | Yes. Scotia Home & Auto Insurance offers car insurance in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador, and Prince Edward Island. |
| Available in Ontario? | Yes. |
| Direct, broker or affinity distribution | Affinity/direct arrangement. BNS Insurance Agency Inc. arranges the Scotiabank-branded product, while belairdirect provides service. |
| Underwriting company | Belair Insurance Company Inc. |
| How to get a quote | Request a quote online or call sales and service at 1-833-224-7306. |
| How to report a claim | Submit online/in the digital account or app, or call the 24/7 claims line at 1-833-223-8743. |
| Digital account or app | Yes. Online services and the mobile app provide digital proof of insurance, policy/payment information, updates, and claim submission/tracking. |
Car Insurance Protection Arranged Through Scotiabank
- Published options include liability, uninsured auto, collision, comprehensive, all perils and rental-vehicle coverage, subject to province and policy eligibility.
- Additional benefits include Auto Claim Forgiveness and Smarter ride usage-based pricing. Smarter ride is available in Ontario, Alberta, Nova Scotia and Quebec.
Scotiabank-Branded Auto Insurance Savings
- Scotia advertises home-and-auto bundle savings, a multi-vehicle discount and Smarter ride personalized renewal pricing for eligible drivers.
- Exact percentages and eligibility are not published on the main product page and vary by province/policy.
Reporting a Scotia Home & Auto Loss
About Scotiabank Car Insurance
Scotiabank, a major Canadian bank with approximately $1.5 trillion in assets (as of April 30, 2026), offers a range of products and services including Capital Markets, Corporate and Investment Banking, Private Banking, Wealth Management, and Personal and Commercial Banking.
Its subsidiary, Scotia Insurance, is a provider that offers coverage through partner carriers.
Scotiabank describes itself as Canada’s most international bank because of its presence in South America and around the Pacific.
Scotiabank, with institution number “002,” is Canada’s second chartered modern bank and has been used by millions of Canadians for generations.
British Columbia receives Scotia Home Insurance but not Auto Insurance. Both Auto and Home Insurance are available in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador and Prince Edward Island.
Scotiabank Car Insurance Pros & Cons
While reviews of Scotia Home & Auto Insurance commonly mention varied experiences, keep in mind that availability of insurance, rates, and quality of service varies by province, and experiences vary by policyholder as well.
| Pros | Cons |
|---|---|
| Good Customer Service | Not Available in BC |
| Reputable Underwriter | |
| Reliable Home Insurance Policies | |
| Competitive Rates |
What Other Insurance Products Does Scotiabank Offer?
Through its insurer partners, Scotia Insurance offers Auto Insurance, Travel, Health, Tenant, Condo, Home, and Life Insurance.