Scottish & York Auto Insurance Review

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 12, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated March 12, 2024

Visit author page

3 minute read

Article Contents

Scottish & York Insurance Review

Scottish & York is an insurance provider operating in Canada and is a subsidiary of Aviva plc, a British global insurance conglomerate. Scottish & York focuses on providing basic-coverage car insurance that meets the needs of less-demanding customers.

When customers purchase a policy online with Scottish & York, they can expect:

  • Car insurance is reasonably priced for your basic insurance needs.
  • The reputation that comes with being an Aviva subsidiary.
  • Guaranteed claims service satisfaction, or they will issue a cheque in the amount of your premium.

If you are looking for cheap car insurance that will get your car on the road quickly, with adequate coverage, you should seriously consider what Scottish & York has to offer.

A Brief Company History

Scottish & York was an independent insurer serving the Canadian market for decades before its 2008 acquisition by Aviva Canada, an international division of Aviva plc. Scottish & York served customers throughout Canada, but its branches in Newfoundland and Labrador used a different brand name – S&Y Insurance. Since the acquisition in 2008, the company has introduced new branding, namely Aviva Scottish & York.

Aviva Scottish & York has a network of 3,000 representatives in Canada, including employees and independent brokers. Since the 2008 acquisition, Aviva Canada has used its system to handle all customer relationships of Aviva Scottish & York. This situation indicates the company will fully rebrand itself under the Aviva Canada brand name.

Aviva Scottish & York focuses on providing standardized essential-coverage packages for you at an affordable price. If you are looking for auto insurance that will meet all the legal requirements and is easy to manage, Aviva Scottish & York might be the best fit for you. If you are looking for a more customized solution or advanced coverage, we suggest checking Aviva’s website for other insurance policies that might meet your needs.

Why Choose Scottish & York Car Insurance

Scottish & York offers standardized auto-insurance packages that meet the mandatory insurance criteria in each of Canada’s provinces. Their unique approach makes it simple for insurance seekers to ensure they can include provincially mandated coverage and optional extras as well.

We can highlight the following features from Scottish & York insurance:


Scottish & York provides standardized essential-coverage packages for you at an affordable price.

Claims Service Satisfaction Guarantee

If a customer is unsatisfied with the service, they will issue a cheque in the amount of your premium.

Additional Coverage Options

Besides the basic-coverage package, Scottish & York provides additional coverage for customers at extra cost, including:

  • Collision coverage – which helps when you are making claims for damages or loss due to a collision.
  • Comprehensive coverage – which includes damages not caused by a collision.
  • Temporary vehicle replacement coverage – which covers the expenses of borrowing or renting a replacement vehicle while your damaged car is undergoing repairs.
  • New car guarantee – a policy that protects the value of your brand-new car for a specified period.
  • Conviction-protector coverage – which protects the discount on your monthly premium, even if you get a minor conviction that goes on your driving record.
  • Accident forgiveness coverage – will award your clean driving record when you have your first at-fault accident.

Pros and Cons of Buying Scottish & York Car Insurance

Here’s a summary of the advantages and disadvantages of selecting Scottish & York for your car insurance needs. This analysis assesses how well Scottish & York matches your insurance expectations and priorities.

  1. Cheap Premiums: Offers affordable essential-coverage packages.
  2. Claims Satisfaction Guarantee: Promises claims service satisfaction with a unique guarantee: if unsatisfied, they’ll refund your premium.
  3. Additional Coverage: Provides options for additional coverage at an extra cost.
  1. Poor Customer Service Reviews: Customer service complaints include reports of unhelpful agents and lengthy resolution times.
  2. Premiums Increase: Unexpected hikes in car premiums.

Additional Insurance Services Provided by Scottish & York

Beyond car insurance, Scottish & York extends its services to home insurance through Aviva:

In addition to car insurance, Scottish & York offers home insurance services. The S&Y Insurance sub-brand covers Newfoundland and Labrador provinces and offers only car insurance. Home insurance packages by Scottish & York include minimal coverage that meets the requirements for taking out a mortgage from a bank or other lending institution.

 Home insurance also comes with several discounts on premiums for eligible customers who meet one or more of the following criteria:

  • Loyal Scottish & York customers with several years of insurance history with the company who have not filed any claims in the past
  • Policyholders who maintain monitored fire and burglar alarms
  • Policyholders who have no mortgage or are first-time homeowners

 Scottish & York Canada handles all home insurance policies and customer relationships through the Aviva Canada parent company. If you need a more thorough and customized insurance policy for your home, we suggest checking out Aviva Canada’s website and finding the right coverage for your needs.

How To Submit A Claim With Scottish & York Insurance

Scottish & York provides multiple ways to submit an insurance claim. You can submit a claim by contacting your insurance broker and Scottish & York call center or through Aviva Canada’s website, which offers an online form for filing claims.

Contact by email

You can contact them at anytime 24/7

Contact by phone

Feel free to contact the team by phone


File a claim by visiting the Aviva website

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