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PC® Insurance benefits for PC Optimum™ members

As a broker, PC® Insurance compares quotes from a variety of trusted Canadian insurance providers to find you coverage that fits your needs and budget. That’s a great reason to bring your home and auto insurance over to PC® Insurance. But it’s only the first reason. There are thousands more.

PC Optimum™ members can save big1 on insurance, plus PC® Mastercard® cardholders can earn 2x the regular PC Optimum™ points2.
When you bundle your home and auto insurance and combine it with other available discounts, you can save up to 35%1. And do you collect PC Optimum™ points? You can also earn up to 2x the regular PC Optimum™ points2 when you pay your premium with your PC® Mastercard®. It’s our thank-you for trusting PC® Insurance to broker your insurance.

Don’t have PC Optimum™ membership yet? Here’s why you should join.
It’s a simple process. (And simply rewarding.) You shop, earn points, redeem for rewards. Then repeat!
That is, you earn points on food and other products that you purchase from participating stores like Loblaws™, No Frills™, Shoppers Drug Mart™, Pharmaprix™, Real Canadian Superstore™, Your Independent Grocer™, and more.
You can get points offers in-store, online, or at points events through your online account or the PC Optimum™ app. You can even earn points when you purchase fuel3 at more than 2000 Esso™ and Mobil™ stations across Canada.
It gets better. Members can sign up for personalized offers. Meaning? Whether you’re shopping for your favourite foods, daily essentials or little indulgences, PC Optimum™ tailors your offers to match the food and products that you buy most. How rewarding is that?Speaking of personal, you can download the PC Optimum™ app to have your offers literally put in the palm of your hand.

Every 10,000 points is like $10 worth of free stuff4. Redeeming’s the best part of earning.
Remember, you can earn points so many ways, including if you pay your PC® Insurance premiums with your PC® Mastercard®. You redeem your PC Optimum™ points at participating stores. Better still, you can redeem them at special Spend Your Points events to get even more value.
How do you want to reward yourself? You can use your points to get more value on those day-to-day essentials you need most. Or you can treat yourself to something special. Why not? You deserve it.
Ready to start earning? Register for a PC Optimum™ account here. Learn how to earn points even faster with PC Financial® products. Apply for a PC® Mastercard® here.

General information not about PC® Insurance home and auto coverage is provided for your reference and interest only. The above content is intended only to provide a summary and general overview on matters of interest and is not a substitute for and should not be construed as the advice of an experienced professional. PC® Insurance does not guarantee the currency, accuracy, applicability or completeness of this content.
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 for details and full store list.
Earn 10 PC Optimum™ points per litre of motor fuel, and 10 points per $1 spent on eligible convenience and car wash purchases at participating Esso™ stations and select Mobil™ stations across Canada. A PC Optimum™ card, PC Money™ Account card, PC Financial® Mastercard® or a 10 digit phone number registered to a valid PC Optimum™ account, must be scanned, swiped, or manually keyed as part of the payment transaction, or used as part of a Speedpass+ transaction in order for PC Optimum™ points to be earned on fuel, convenience or car wash purchases. In addition to the points per litre on fuel available to all PC Optimum™ members at Esso™ and select Mobil™ stations in Canada, PC Money™ Account holders earn at least 5 PC Optimum™ points per dollar on qualifying purchases with your PC Money™ Account, wherever your card is accepted. Earn 10 PC Optimum™ points (5 regular PC Optimum™ points plus a bonus of 5 PC Optimum™ points) per dollar on qualifying purchases at participating Loblaw banner stores, Shoppers Drug Mart® stores, Joe Fresh® stores, and Esso™ and Mobil™ stations in Canada. Bill payments, electronic funds transfers, account fees and interest are not qualifying purchases for the purpose of earning PC Optimum™ points. In addition to the points per litre on fuel available to all PC Optimum™ members at Esso™ and select Mobil™ stations in Canada, PC Financial® Mastercard® holders earn at least an additional 10 PC Optimum™ points per purchased whole litre of gasoline or diesel fuel when you pay with your PC Financial® Mastercard® in addition to 10 PC Optimum™ points per dollar for all purchases with the card, for a total of at least 30 PC Optimum™ points per litre. PC Financial® Mastercard® holders earn an additional 10 points per litre of premium gasoline (Octane 89, 91, 93, 94) at Esso™ and select Mobil™ Stations in Canada. You could earn even more points at Mobil™ stations located adjacent to a Loblaw banner grocery store. Exact earn rate is available at the station. Additional eligibility conditions may apply. PC Optimum™ points cannot be earned on any of the following: (i) the purchase of tobacco, lottery tickets, or alcohol, (ii) deposits (e.g., a water bottle deposit, as it is not a purchase), (iii) gift cards, prepaid card products and wireless or long distance phone cards, (iv) transit tickets and passes, event tickets and post office transactions; (v) passport photos, (vi) cash back, (vii) gifts with purchases, (viii) delivery charges (where applicable),(ix) purchases made through non-participating licensed merchants located within or adjacent to Participating Stores or Program Participants, (x) any other products or services that may not legally be offered in connection with the Program, including pharmacy-related transactions in certain provinces (see PC Optimum™ general terms and conditions for more information about pharmacy-related transactions), or (xi) any other products or services that we may specify from time to time or where prohibited by law or as specified in the general PC Optimum™ program terms and conditions found at In addition to the earning exclusions noted above, purchases of vehicles, vehicle repairs, or vehicle parts, towing, coin operated car washes, vacuums, air dispensers, and other vending machine type products and services are not eligible for earning PC Optimum™ points at Esso™ and Mobil™ stations.
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. Some redemption restrictions apply. Visit for details and full store list.

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