Save up to 35% on off 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.
Three ways to save on your policy with PC® insurance
You can save up to 35% by combining all these saving opportunities.*
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Bundle your car and home insurance
Save up to 20% by bundling your auto and home insurance with the same provider. You also enjoy the convenience of having one bill payment, and a single renewal date. It's value, simplified.
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Qualify for PC® Insurance discounts
You have the option to explore various discounts you may qualify for. From claims and conviction-free to retiree discounts, you can save up to 10% off already low prices.
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Become a PC Optimum™ member
All PC Optimum™ members automatically qualify for exclusive pricing on PC® home and auto Insurance and can save 5% off the base premium.
Save with PC Insurance. Get an online quote in minutes.
Double your points
Get 2x the regular PC Optimum™ points** when you pay your insurance premiums with your PC® Mastercard®.
Learn more
How we offer competitive rates
As a broker, we search across a range of trusted insurance providers, to find the coverage that best fits your needs and budget.
Getting coverage has never been easier.
We guide you every step of the way
Manage your account online
Access your account information and liability slips and update your auto policy in one place, anytime.
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Get 24/7 customer service
Our team is available whenever you need us. They give unbiased advice and provide best-in-class customer service.
FAQs
The following are some types of discounts you may be eligible for.
Please note that discount options, eligibility criteria and availability vary by province and insurer.
Multi-vehicle Discount
By insuring two or more vehicles in your household with the same insurance carrier, you could pay lower rates.
Conviction-free Discount
Maintaining a clean driving record – no tickets or driving infractions for a set number of years – may help you save.
Retiree Discount
If you’re at least 65 and retired, you may save on your premiums.
Graduated Licensing Discount
When graduating from a learner’s permit to a fully licensed driver, you may qualify for a discount.
Good Student Discount
Drivers under 25 with an 80% average in school may be eligible for a discount.
Autonomous Emergency Braking System Discount
If your car is fitted with this safety feature, it could save you money on your insurance premium.
Electric or Hybrid Vehicle Discount
Making the choice to drive an electric or hybrid car may offer another way to save.
Private Parking Discount
If you have a private parking spot for your car, like your garage or driveway, you may be eligible for a discount.
Student Away From Home Discount
If your child is an occasional driver and attends school away from home, they may qualify for a discount.
Driver’s Training Discount
Completing a government-approved driver’s training program may help you save on insurance.
Learn about the discounts you may be eligible for.
Discount options eligibility criteria and availability vary by province and insurer.
Multi-property Discount
If you insure all your properties with the same insurance provider, you may be eligible for savings on your premiums.
Claims-free Discount
If you’ve never made a claim, you may qualify for savings.
Non-smoker Discount
If everyone living in your home is a non-smoker, you may be eligible to save on insurance.
Age Discount
Some insurance providers offer discounts to older homeowners. The eligibility age varies between providers.
Mortgage-free Discount
If you don’t have a mortgage or a secured line of credit on your home, you may qualify for savings.
Newer Home Discount
If you have a newer home, you may save on insurance based on its age.
Stability Discount
The longer you’ve lived in your home, the more you may be able to save on your premiums.
Home Security & Fire Protection Discount
If you’ve taken steps to protect your home, like installing an alarm system or hiring a security guard, you may qualify for a discount.
Sewer Backup Prevention Discount
If you’ve installed a sump pump with an alarm or backwater valve to prevent damage from overflow, you may be eligible for a discount.
You can visit www.pcoptimum.ca for further assistance or call 1-866-727-6468.
Visit www.pcfinancial.ca for further assistance or call 1-866-246-7262.
At this time, PC Money™ Account holders can earn a bonus of 1,000 PC Optimum™ points for each of up to five bill payments of $50 or more to unique payees, per calendar month, made using a valid PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 2-3 weeks of a successful bill payment.. You can visit pcfinancial.ca to learn more about the ways you can earn points with your PC Money™ Account.
* By combining the following discounts from participating insurers, as follows: (i) the discount offered to PC Optimum™ members in good standing off the applicable insurer’s base premium excluding any endorsements or extended coverages (ii) the bundled discount for purchasing both your home and auto insurance with the same insurer through PC® insurance and (iii) the claims-free and convictions-free discounts if you qualify, subject to regional availability. Total savings of up to 35% is in comparison to the base premium excluding any endorsements or extended coverages from the participating insurer you would have paid if these discounts were not applied. Valid only for new customers or renewals; does not apply to current policies.
** All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum™ points per dollar. When you pay your PC® insurance home or auto insurance premium with your PC Financial® Mastercard®, earn 20 PC Optimum™ points per dollar. 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.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of the marks.
President’s Choice Financial® Mastercard® is provided by President’s Choice Bank.
The PC Optimum™ program is provided by President’s Choice Services Inc.