This page is for informational purposes only. MyChoice is not affiliated with this company.
Scottish & York’s Role in Aviva Canada
| Available in Canada? | Yes, as a wholly owned underwriting company within Aviva Canada; it is not presented as a separate consumer-facing brand. |
| Available in Ontario? | Yes. Scottish & York remains listed in the Aviva insurer group by Ontario’s regulator, and Aviva identifies it among its Canadian subsidiaries. |
| Direct, broker or affinity distribution | Broker/insurance-representative distribution through Aviva Canada; no standalone Scottish & York quote channel is published. |
| Underwriting company | Scottish & York Insurance Co. Limited, a wholly owned Aviva Canada insurance company. |
| How to get a quote | Contact an Aviva insurance broker or representative. A standalone Scottish & York online quote is not offered publicly. |
| How to report a claim | Use Aviva’s online claim process or MyAviva, call 1-866-692-8482, or contact the broker/advisor shown on the policy. |
| Digital account or app | MyAviva supports policy access and online claim submission. Aviva Journey is a separate Ontario usage-based driving app, but current Aviva materials do not identify Scottish & York as one of Journey’s current underwriters, so eligibility must be confirmed with the broker. |
Coverage Underwritten Within the Aviva Group
- Current company-specific retail coverage pages are not published under the Scottish & York name; policy terms should be confirmed with the Aviva broker.
- Aviva’s official Lyft program page confirms that eligible Scottish & York personal-auto policyholders can have collision/comprehensive protection and selected enhancements extend while driving for Lyft, including waiver of depreciation on new vehicles and loss-of-use coverage, subject to the program and policy terms.
Aviva Discounts That May Apply to Scottish & York Policies
- Since there isn’t a published current Scottish & York-specific discount schedule, ask the Aviva broker to confirm eligible policy discounts.
- Do not automatically attribute Aviva Journey’s current discount to Scottish & York: the current Journey page names Aviva Insurance Company of Canada, Aviva General Insurance Company and S&Y Insurance Company as underwriters, not Scottish & York.
Claim Help for Scottish & York Policyholders
Scottish & York Auto Insurance
Scottish & York Insurance Co. Limited is a wholly owned underwriting company within Aviva Canada, which is itself a subsidiary of UK-based Aviva plc. Scottish & York policies are serviced through Aviva and its broker or agency channels; the company is not currently marketed as a separate bare-bones insurer for “less-demanding” customers.
Drivers should ask an Aviva broker or advisor whether an Aviva policy underwritten by Scottish & York is available for their province and risk profile, then compare its coverage, limits, deductibles, exclusions, and price with other quotes.
Scottish & York Car Insurance Pros & Cons
Below are some main pros and cons of getting car insurance with Scottish & York, based on the company’s online reviews.
| Pros | Cons |
|---|---|
| Competitive Rates | Limited Information Available on Services Offered |
| Effective at Reducing Premiums After Life Changes | |
| Positive Experience Through Broker |
What Other Insurance Products Does Scottish & York Offer?
Scottish & York is part of Aviva Canada’s group of underwriting companies. Aviva Canada offers home, automobile, lifestyle, and business insurance, but the underwriting company, available products, coverage, and discounts vary by channel and province.
Customers should use Aviva’s current product information and speak with their broker or advisor; claims that Scottish & York home insurance is merely the minimum needed for a mortgage and that S&Y serves only Newfoundland and Labrador are not supported by current official sources.