Rest easy.

When you pay for PC^® home insurance using your PC Financial^® Mastercard^®, you can earn thousands of PC Optimum points redeemable toward food, fashion, home furnishings and more.

How to earn:

It's easy. Every time you pay your home insurance premium with your PC Financial^® Mastercard^®, you'll receive:

20 PC Optimum points for every premium dollar paid with your PC Financial^® Mastercard^®

How to redeem:

Once you reach 10,000 PC Optimum points (they add up quickly) you can redeem them for $10 in free rewards at almost 2,500 stores across the country. You can also redeem higher amounts of PC Optimum points in increments of 10,000 (the equivalent of $10).

Just present your President's Choice Financial Mastercard at the check-out at almost 2,500 stores across the country and tell the cashier that you're redeeming your PC Optimum points.

* Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 points thereafter at participating stores. Some redemption restrictions apply. Visit pcoptimum.ca for details and full store list.

PC Optimum points offer available only where permitted by law; offer subject to change. Account must be in good standing. Please allow 4-6 weeks from your purchase for PC Optimum to be awarded.

PC Optimum points program terms and conditions

What and when do you pay?

You can choose to pay your premium – the price of your insurance coverage – all upfront or monthly. Monthly payments are subject to a 3% service fee. If you're forced to make a claim, you pay a deductible – a pre-agreed amount that you take responsibility for before you receive money from your insurance company. The deductible amount is up to you; but the higher you set it, the lower your premiums will be.

How are premium rates calculated?

consideration include:

• Location
• Age and size
• Type (detached, semi, high rise, etc.)
• Type of construction (brick, stucco, wood, etc.)
• Type of heating system

Another factor that could affect your insurance premium is your home or property's proximity to a fire hydrant or fire station – the closer it is, the more likely damage is to be minimized in the event of a fire.

To receive compensation through PC^® Insurance in the event of property damage or theft, you need to make a claim. Here are the steps:

Step 1: Contact us at 1 877‑251‑8656

Speak to a PC^® Insurance Claims Advisor who will help you sort through the incident and your immediate needs – finding temporary accommodations, facilitating repairs, replacing damaged personal property and more.

Your PC^® Claims Advisor will then put you in touch with a Claims Professional at your insurance company. Don't worry; we'll^* be in the background the whole time, ready to help if necessary.

Step 2: Have your details ready

Before your PC^® Insurance Claims Advisor puts you in touch with your insurance company, you'll be asked for some basic information, like:

• Your name
• Your phone number
• Your home address and postal code
• Date and details of loss

Step 3: Servicing your claim

From start to finish, your insurer's Claims Professional will provide you with information about:

• Your coverage
• Details on damage
• Vendor recommendations
• Home repair status
• Accommodation details
• Liability
• Deductible status
• Claim payments

Step 4: Staying connected

Your Claims Advisor will let you know when you can expect to hear from us again so you know what's going on with your claim. We'll also ask for your feedback about your claims experience; and if you're not satisfied we'll do what we can to make it right.

Some questions that will be asked include:

• Were you satisfied with your claims experience?
• Are you satisfied with your repairs and the vendors you used?
• Can we call you to conduct a customer satisfaction survey?

By phone

Claims
1 877‑251‑8656
24 hours a day/7 days a week

Sales, service or changes to an existing policy
1 800‑205‑7171
8:30 a.m. to 7:00 p.m., EST
Monday to Friday
9:00 a.m. to 5:00 p.m., EST
Saturdays

By post

PC Financial Auto and Home Insurance
P.O. Box 483 - Station A
Windsor, ON N9A 9Z9

By email

talktous@autohome.pcinsurance.ca

PC insurance Blog

Auto Insurance Info Centre

FAQ

Glossary

All coverage is subject to the terms and conditions, limitations and exclusions of your policy or certificate of insurance.

Read this notice before using this website. By accessing and browsing this website you accept, without limitation or qualification, these terms and conditions.
In these terms and conditions, any reference to "we", "us", or "our" refers to either PC Financial Insurance Agency Inc. (for travel and pet insurance) or to PC Financial Insurance Broker Inc. (for home and auto insurance).

Product and Website Availability

The products described in this website are available only in selected provinces and territories in Canada and only where they may lawfully be sold. The use of portions of this website is restricted to persons currently resident in those areas.

Information Accuracy

All information on this website, including quotations and information relating to premiums is subject to change without notice. We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this website. We assume no liability or responsibility for any errors or omissions on this website.

Many terms used in and concepts depicted on this website are defined terms or matters specifically dealt with in the policies of insurance to which this website material relates. In all instances it is the terms of these policies which shall govern, including as to matters such as the scope of coverage or the outcome of any claim.

We may change, modify, add or remove portions of these terms and conditions of use at any time. We will notify you of any changes to these terms and conditions of use by posting such changes on this website. Your continued access and browsing following notice of such change means that you agree to and accept these terms and conditions of use as amended. If you do not agree to any modification of these terms and conditions of use, you must immediately stop accessing and browsing this website.

Ownership of Intellectual Property

The content of this website is the copyright of Loblaws Inc. and is protected under the laws of Canada and other countries. All rights reserved. In addition, certain information may be copyrighted by others. The information on this website may not be reproduced, or distributed in whole or in part without the prior written consent of Loblaws Inc. which may be arbitrarily withheld. Any infringement of these rights will result in appropriate legal action.

Trademarks

This website contains many of the valuable trademarks, names, package designs, copyrights and other proprietary material owned and used by Loblaws Inc. and/or its affiliated companies and its participating insurance suppliers including but not limited to President's Choice^® and PC^® (the "Trademarks").

The Trademarks on this website are protected from copying or reproduction under national and international trademark and copyright laws and nothing contained herein shall be construed as conferring by implication or otherwise any licence or right under any patent, trademark, copyright or other proprietary right. Therefore the use of the Trademarks is strictly prohibited. All rights reserved.

^®PC, President's Choice, President's Choice Financial, PC Financial and Fresh Financial Thinking are registered trademarks of Loblaws Inc. Trademarks used under licence. The Canada Life Assurance Company and logo are trademarks of The Canada Life Assurance Company, all rights reserved.

^®Mastercard, Cirrus, Maestro, PayPass, Tap & Go, Mastercard Global Service are trademarks of Mastercard International Incorporated, President's Choice Bank licensee of marks.

^®Microsoft Windows, and Microsoft Internet Explorer are registered trademarks of Microsoft Corporation in the United States and other countries.

The content of this website is protected by copyright. ©2013 Loblaws Inc.

Insurance Providers

PC Financial Insurance Agency Inc. and PC Financial Insurance Broker Inc. are each members of the Loblaw Group of companies.

PC term life insurance and PC critical illness insurance are arranged for by PC Financial Insurance Agency Inc. and are underwritten by The Canada Life Assurance Company.

PC pet is arranged for by PC Financial Insurance Agency Inc.PC pet insurance is underwritten by Western Financial Insurance Company.

PC and PC Financial travel insurance is arranged for by PC Financial Insurance Agency Inc.
PC travel insurance is underwritten by Co-operators Life Insurance Company (and administered by TIC Travel Insurance Coordinators Ltd.), and by AIG Insurance Company of Canada (and administered by Travel Guard Group Canada, Inc.).

PC auto and home insurance is arranged for by PC Financial Insurance Broker Inc.
PC auto and home insurance is underwritten by a number of licensed Canadian insurance companies.

What We Earn
PC Financial Insurance Broker Inc.

For auto and home insurance, we earn a percentage of premium when a new policy is sold or an existing policy is renewed. Based on the financial performance of the policies that we have sold, we also earn additional compensation, which is not guaranteed. That compensation is determined based on the profit (if any) which is generated over time by all of the auto and home insurance policies we have placed with a particular insurance company. Some of our operating and marketing expenses are also reimbursed.

Below, we have listed the insurance companies with whom we have contracts and we show the range of commission percentage that is paid to us, each policy term, for both new policies and renewals.

There is no direct or indirect ownership interest of any insurance company in PC Broker, nor any loan to, or financial guarantee in favour of, PC Broker from any insurance company. PC Broker is an affiliate of PC Bank, both of which are affiliated companies of Loblaws Inc

PC Financial Insurance Agency Inc. (Term Life, Critical Illness, Pet and Travel Insurance)

For term life and critical illness insurance, we earn a percentage of premium when a new policy or certificate of insurance is sold or an existing policy or certificate of insurance is renewed. Based on the financial performance of the policies and certificates we have sold, we also earn additional compensation, which is not guaranteed. That compensation is calculated as a percentage of the profit (if any) which is generated in any given year by the PC^® term life and critical illness insurance policies and certificates we have sold. We also receive an expense reimbursement to cover some of our operating and marketing expenses.

For pet insurance, we earn a percentage of premium when a new policy is sold or an existing policy is renewed. Based on the financial performance of the policies we have sold, we also earn additional compensation, which is not guaranteed. That compensation is calculated as a percentage of the profit (if any) which is generated in any given year by the PC pet insurance policies we have sold. We also receive an expense reimbursement for each new policy sold to cover some of our operating and marketing expenses.

For travel insurance, we earn a percentage of premium for every policy sold. Based on the financial performance of the policies that we have sold, we also earn additional compensation which is not guaranteed. That compensation is calculated as a percentage of the profit (if any) which is generated in any given year by the PC travel insurance policies we have sold. Some of our incurred marketing expenses are also reimbursed.

PC Home and Auto Insurance Claims Service Guarantee:

If you are dissatisfied with the service you receive from the insurer during the settlement of a covered claim and we are unable to help remedy the situation, you will receive a President's Choice^® gift card (minimum value $25), in addition to the settlement amount from your insurer. The claims service guarantee extends to your satisfaction with the service you receive, not the insurer's decision on coverage or evaluation.

This guarantee is not applicable in the case of disasters or catastrophes, such as ice storms, hailstorms, hurricanes, tornados, blackouts, forest fires, or any event beyond our control, including unusual market conditions that would impact the ability to service your claim. This guarantee may be amended or terminated at any time.

This guarantee applies to home and auto personal insurance policy claims in the provinces of Alberta, Ontario, Newfoundland, New Brunswick, Nova Scotia and PEI effective March 1, 2011.

The guarantee does not extend to warranty coverage.

Gift cards will not be issued under the following circumstances:
There is a disagreement on coverage
There is a disagreement on a settlement amount
The claim has been denied due to a policy exclusion or violation of a statutory condition
The service failure has been made or caused by the policyholder
There is a disagreement with respect to a fault determination
Policyholders must make claims under the Claims Service Satisfaction Guarantee in writing to:

Sr. Vice President
Claims Customer Experience
3430 Wheelton Drive.
Windsor, Ontario N8W 5A7

Links to third party websites

PC Financial Insurance Agency Inc. and PC Financial Insurance Broker Inc have not reviewed any or all of the sites that may be linked to this website and is not responsible for any sites linked to this website. Your linking to any sites from this website is at your own risk. By linking to a site or permitting a link to this website, we do not endorse the site operator or the content linked to the site.

Idea Submission/Use of Information

We do not accept unsolicited ideas for new products, packaging, marketing, advertising, research, business operations and the like. Should you ignore this policy and submit an idea to us, you agree that the idea becomes and remains our sole and exclusive property without further liability of compensation to you.

If you respond to us with any information, including but not limited to feedback, data, questions, comments, suggestions, or the like, such information shall not be deemed confidential. All such submissions shall be deemed our property and your submission of information shall constitute an assignment to us of all worldwide rights, titles, and interests in such information. We will not be liable for any use of disclosure or such information. We will not have any obligation to keep such information confidential and will be free to reproduce, use, disclose and distribute the information to others without limitation. We will be free to use any ideas, concept, know-how or techniques contained in such information for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products which incorporate or otherwise rely upon such information.

We welcome your comments and suggestions regarding this website and products, but we do not seek to solicit any confidential or proprietary ideas, suggestions, materials or other information relating to developing, designing, redesigning, modifying, manufacturing or marketing our products or any new products. By submitting information, you warrant that we may publish such information, use it as part of its operations, and incorporate its concepts into products to be distributed by us without liability or compensation to you.

Disclaimer

None of PC Financial Insurance Agency Inc., PC Financial Insurance Broker Inc., any of their third party administrators and agents, employees, directors, officers and affiliated companies and participating insurance suppliers, nor any other party involved in creating, producing, or delivering this website, shall be liable for any loss, harm or damage, including without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused, to any person as a consequence of, or arising out of, your access to, or use of, this website or any material from this website, even if we have been advised of the possibility of these damages. You agree that the use of this website, and any sites linking to or from this website, is entirely at your risk.

Each of PC Financial Insurance Agency Inc. and PC Financial Insurance Broker Inc., assume no liability or responsibility for any damage to you, your computer, or your other property, due to your access to, use of, or downloading of this website or any materials provided on this website.

This web site has security measures in place to protect the loss, misuse and alteration of the information under our control. Although every effort is taken to ensure no one else will see or obtain your personal data, complete confidentiality and security is not yet possible over the Internet. Any unencrypted e-mail communication over the Internet is, as with communications via any other medium such as cellular phones, not secured or confidential, and is subject to possible interception, loss and alteration. We do not encourage anyone to send information, including personal information, to us using unencrypted e-mail. You acknowledge and agree that we, our agents, administrators, employees and affiliates shall not be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communication will be at your own risk.

Applicable Law

You agree that the laws of the Province of Ontario, Canada govern any use of this website and any issues which may arise with regard to this website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this website or material from this website. The courts of the Province of Ontario shall have exclusive jurisdiction over all such claims.

Severed Provisions and Entire Agreement

If any provision of this agreement is unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.

This is the entire agreement between the parties relating to the subject matter.