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As a car insurance broker with up to 9 auto insurance providers* to choose from, our brokers research competitive coverage options to make sure you get the best rates we can find for your specific needs.

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Auto Discounts

Note: Discount options eligibility criteria, and availability vary by province and insurer.

Student away from home discount

Sent a little scholar off to college or university? Students may qualify for a discount.

Graduated licensing discount

Drivers in their first year with a G or G2 license could qualify for a discount rate.

Driver’s Training Discount

If you went to driver’s ed, your professional training could get you a discount.

Good student discount

Good grades can get good insurance rates. If you’ve got a driver under 25 with an 80% average in school, find out if they qualify for a discount.

Multi-vehicle discount

If you own multiple vehicles or there are more cars than people at your house, you could qualify for a discount.

Private parking discount

Save on insurance if you’ve got a private parking spot at home, at a garage or at a carport.

Retiree discount

Retired? Get your discount, you earned it.

Winter tire discount

Tis the season for winter tires. Put on yours between November and April and save on insurance.

Autonomous Emergency Braking system discount

If your car does some of the work for you, like with automatic breaking and proximity monitoring, you could save on insurance.

Conviction free discount

Never been convicted for a driving infraction? You could qualify for a discount.

Farmers' discount

Calling all full-time farmers, your discount is here. 

Green vehicle discount

Doing your part for the environment saves you more. If you’ve got a hybrid car or an electric motor, get the discount you deserve.

Anti-theft discount

If you went the extra mile to protect your car from theft with added alarms and more, rest easy knowing you’ll save on auto insurance.

What’s included with Basic Coverage?

Here are some simple definitions to help you better understand insurance coverage:

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    Liability

    In case you cause an accident and someone sues you.

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    Accident Benefits

    In case you or someone in your vehicle is hurt in an accident.

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    Direct compensation damage

    (Ontario-only) - in case your vehicle is damaged and you're either not at fault or only partially at fault.

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    Uninsured motorist

    In case you're in an accident with an uninsured or hit-and-run driver

Auto Optional Coverages

Note: Optional coverage options, eligibility criteria and availability vary by province and insurer.

Minor Ticket Protection

With this coverage, rest easy knowing a first minor charge won’t affect your insurance premiums.

Waiver of Depreciation

What happens if your new car gets stolen or is deemed a total loss? For cars under 5 years old, this coverage can get you the same car or a comparable model as your current ride.

Family Protection

Make sure you and your loved ones are covered with additional family protection. In the case of an accident with an uninsured or underinsured driver at fault, you or a member of your family will be covered.

Accident Forgiveness

Got into your first at-fault accident? Don’t sweat it. With Accident-Forgiveness on your insurance policy, your premiums will not increase as a result of the accident.

Liability for damage to non-owned cars

Make your next car rental worry-free. Get covered in case of liability, damage, and more when you have a short-term rental anywhere in Canada or the US.

24/7 Claims Service

We’re always happy to help you with any claim. If you're not 100% satisfied with the service from your insurer during a covered claim we'll send you a President's Choice® gift card. Some conditions and limitations apply. Click here for details.

Earn Rewards

Earn 2X the regular PC Optimum points when you pay your PC auto insurance premium with your PC Financial Mastercard® redeemable towards free groceries, beauty, and more**.

Bundle up and save

Bundle your home & auto insurance to save up to 20% off both premiums.

Make a claim in 3 easy steps

1

Contact us at

1 877 251-8656

Call us at 1 877 251-8656. Our insurance brokers are available 24 hours a day. They'll talk through your incident and help you determine if you should submit a claim.

2

Have your details ready

Before your PC® Insurance Claims Advisor puts you in touch with your insurance company, we will ask you for some basic information, like:

  • Your name

  • Your phone number

  • Your home address and postal code

  • Date of the loss/damage/accident; and police report number (if applicable)

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

  • Vehicle repair status

  • Rental details

  • Liability

  • Deductible status

  • Claim payments

Contact us at

1 877 251-8656

Call us at 1 877 251-8656. Our insurance brokers are available 24 hours a day. They'll talk through your incident and help you determine if you should submit a claim.

Contact us at

1 877 251-8656

Call us at 1 877 251-8656. Our insurance brokers are available 24 hours a day. They'll talk through your incident and help you determine if you should submit a claim.

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