Save up to 35% on your premium with PC® Insurance†
PC® Insurance provides various options for you to save on your premium. As a PC Optimum™ member, you can access exclusive pricing on home and auto insurance, allowing you to save up to 35% when combined with other available discounts.†
Get a quoteThree ways to save with PC® Insurance
You can save up to 35% by combining all these saving opportunities†.
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Bundle your home and auto insurance
Save by bundling your auto and home insurance.
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Qualify for PC® Insurance discounts
You have the option to explore various discounts you may qualify for.
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Become a PC Optimum™ member
PC Optimum™ members qualify for exclusive pricing on PC® Home and Auto Insurance.
Save with PC® Insurance. Get an online quote in minutes.
Get a quoteDouble your points
Get 2x the regular PC Optimum™ points for every dollar spent when you pay your insurance premiums annually with your PC® Mastercard®* or your PC Money™ Account*.
Learn more
Getting coverage has never been easier.
Get a quoteWe guide you every step of the way
Manage your insurance account online
Access your insurance information and liability pink slip and update your payment information, anytime.
Get 24/7 emergency claims service
Our team is available whenever you need us. They give advice and provide customer service.
How to make a claimFAQs
Below are some discounts you may be eligible for.
Please note discount options, eligibility criteria, and availability vary by province and territory and are subject to change.
Affinity Discount for PC Optimum™ Members
PC Optimum™ members may be eligible for a discount†. Not a member? Sign up here.Combined Policy Discount
You could save when you bundle your home and auto insurance.Conviction-Free Discount
Maintaining a clean driving record – no driving convictions for a set number of years – may help you save.Electric or Hybrid Vehicle Discount
Making the choice to drive an electric or hybrid car may offer another way to save.Graduated Licensing Discount
Ontario drivers in their first year with a G2 or G licence may qualify for a discount.Multi-vehicle Discount
By insuring two or more cars with PC® Insurance, you could pay lower rates.Retiree Discount
If you are retired and live in Ontario, you may save on your premiums.Student Away from Home Discount
If your child is an occasional driver and attends university or college away from home, they may qualify for a discount.Theft Recovery Device Discount
You may be eligible for a discount if your vehicle is equipped with an Aviva approved theft recovery device.
Here are ways you may be able to save:
Claims-Free Discount
If you’ve never made a claim or haven’t had one in a while, you may qualify for savings.Bundle Your Insurance
You can save when you bundle your home and auto insurance.Mortgage-Free Discount
If you don’t have a mortgage or a secured line of credit on your home, you may qualify for savings.Review Your Policy Yearly
Speak with a PC® Insurance advisor to make sure you are taking advantage of all discounts that you are eligible for.Regular Home Inspections and Maintenance
Can increase safety, which may help you save on insurance by remaining claims-free.Choosing a higher deductible may also help lower your insurance premium.
Visit pcoptimum.ca or call 1-866-727-6468.
Visit www.pcfinancial.ca for further assistance or call 1-866-246-7262.
Legal details
Important Information on Products, Discounts, and Services by PC Financial Insurance Agency Inc.
Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy. This page provides, for information purposes only, a summary of our different insurance products and discounts that may be available to you. If you purchase a product, the terms and conditions of your insurance coverage will be outlined in your insurance policy, which will prevail. Certain conditions, limitations, and exclusions apply. Savings are not guaranteed and vary based on your profile and place of residence. Rates, discounts, and eligibility rules are subject to change without notice. Please speak to a PC® Insurance agent to learn more.
*All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum™ points per dollar and all purchases with the PC Money™ Account earn a minimum of 5 PC Optimum™ points per dollar. When you pay your PC® Insurance home or auto insurance premium with your PC Financial® card, earn double the regular PC Optimum™ points per dollar (20 points per dollar for PC Financial® Mastercard® and 10 points per dollar for PC Money™ Account). PC Optimum™ points are awarded exclusively by President’s Choice Services Inc. This is not an offer provided by any other entity. PC Money™ Account points offer is available only with Aviva General Insurance Company policies entered into after January 20, 2025. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
†Details on Potential Savings
Save up to 35% on PC® Home and Auto Insurance
PC Optimum™ members could save up to 35% on their homeowner’s, condominium, or tenant insurance policy if they are eligible for the following discounts: Claims Free Discount, Combined Policy Discount by purchasing your home and auto insurance together, and Affinity Discount for PC Optimum™ members. PC Optimum™ members may also save up to 35% on their car insurance policies if they are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount by purchasing your auto and home insurance together, and Affinity Discount for PC Optimum™ members. Customers may be eligible for other discounts on their car or home insurance such as the Electric Vehicle Discount, Hybrid Vehicle Discount, Winter Tire Discount, Mortgage Free Discount and Multi Product Discount. Total available discounts are in comparison to the base premium you would have paid if you were not eligible for the discounts. Discounts may not apply to all coverages and endorsements. PC Optimum™ members must be in good standing to be eligible for the Affinity Discount. Certain conditions, limitations, and exclusions apply. For further information, see More Information section below.
Affinity Discount for PC Optimum™ Members
PC Optimum™ members in good standing could benefit from an Affinity Discount on their homeowner’s, condominium, and tenant insurance in all provinces and territories, except Quebec where PC® Insurance is not available. Additionally, an Affinity Discount could apply on car insurance for PC Optimum™ members in the following provinces and territories: Alberta, Ontario, Nova Scotia, Prince Edward Island, Yukon, Northwest Territories, and Nunavut.
Save up to 25% on PC® Motorcycle Insurance
You could save up to 25% on your motorcycle insurance when combining the following discounts: Loyalty, Conviction Free, Motorcycle and Car, Motorcycle and Property, and Multi-Motorcycle. Discounts may not apply to all coverages and endorsements. Due to provincial legislation, PC® Insurance motorcycle products are not offered in British Columbia, Manitoba, and Saskatchewan. Savings are not guaranteed and vary based on your profile and place of residence. Rates, discounts, and eligibility rules are subject to change without notice. If you purchase a product, the terms and conditions of your insurance coverage will be outlined in your insurance policy, which will prevail. Certain conditions, limitations, and exclusions apply.
More Information Section
British Columbia
You can save up to 5% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Affinity Discount for PC Optimum™ members. In British Columbia, savings for being claims-free have already been factored into the premium rating calculations for homeowner’s, condominium, and tenant insurance policies.
Alberta
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 20% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Saskatchewan
You can save up to 20% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Claims Free Discount and Affinity Discount for PC Optimum™ members.
Manitoba
You can save up to 20% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Claims Free Discount and Affinity Discount for PC Optimum™ members.
Ontario
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 25% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
New Brunswick
You can save up to 35% on car insurance if you are eligible for the following discounts: Conviction Free Discount and Combined Policy Discount. You could also save up to 40% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Nova Scotia
You can save up to 40% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 40% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Prince Edward Island
You can save up to 35% on car insurance if you are eligible for the following discounts: Conviction Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members. You could also save up to 40% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Newfoundland and Labrador
You can save up to 30% on car insurance if you are eligible for the following discounts: Conviction Free Discount and Combined Policy Discount. You could also save up to 35% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.
Northwest Territories, Yukon, and Nunavut
You can save up to 15% on car insurance if you are eligible for the Combined Policy Discount and Affinity Discount for PC Optimum™ members. You could also save up to 35% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount, Combined Policy Discount, and Affinity Discount for PC Optimum™ members.