Scottish & York Car Insurance Review

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By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated July 13, 2023

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

Updated July 13, 2023

Visit author page
Article Contents

Scottish & York Auto Insurance

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 and home insurance that meets the needs of less-demanding customers.

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

A Brief History: Scottish & York

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 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 uses its system to handle all customer relationships of Aviva Scottish & York. This situation is a clear sign that the company will fully rebrand itself in the future, 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 out Aviva’s website for other insurance policies that might meet your insurance needs.

Choosing Scottish & York for Car Insurance

Aviva Scottish & York offers standardized auto-insurance packages that meet the mandatory insurance criteria in each of the provinces in Canada. 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 – is 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.

Getting A Quote From Scottish & York

Scottish & York quotes often come with significant discounts if you decide to bundle your car insurance with other vehicles or your home insurance. Depending on the bundle, eligible customers could earn discounts of up to 15%.

It is important to note that Scottish & York’s days as an independent brand name in the insurance sector, under the Aviva umbrella, might be numbered. Aviva’s long-term plans might include cannibalizing the Scottish & York brand and using the Aviva name exclusively in the future. Only time will tell.

What Other Insurance Products Does Scottish & York Offer?

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 that 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

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

Scottish & York guarantees claims-service satisfaction. If a customer is not satisfied with the service, they will issue a cheque in the amount of your premium.

The contact number for filing claims is 1866-692-8482; the department is open for assistance 24/7.

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