Get your discount, quote and coverage online with PC® Insurance!
1
Get a discount!
PC Optimum™ members can save up to 35% on home and auto bundles in combination with other available discounts †.
2
Get a quote.
In minutes, you can get a quote, customize your coverage and buy your policy.
3
Get support when you need it.
As a customer, get 24/7 emergency claims support, coverage explanations from licensed advisors, and more!
Save on coverage,
and earn PC Optimum™ points.
Save up to 35%†.
PC Optimum™ members can save when they bundle their home and auto insurance and are eligible for other available discounts. Only need coverage for one? You can still save!
Learn more
Earn 2x the regular points.
You can earn 2x the regular PC Optimum™ points for every dollar spent when you pay your premiums annually with your PC® Mastercard®* or PC Money™ Account*.
We 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 claim
Where we are.
Servicing 12 provinces and territories.
British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Prince Edward Island, Nova Scotia, Newfoundland & Labrador, Yukon, Northwest Territories and Nunavut.
Find your locationFAQs
There are many factors taken into account when quoting you a price for an insurance policy, such as:
your driving experience
where you live
what kind of car you drive
how much you use your car
your driving record
your claims history
the type and amount of coverage you choose
the amount of your deductible
Get your free online quote now or give us a call at 1-877-253-8177.
Our licensed advisors help you get the right home insurance coverage for your needs and budget.
We offer customizable coverage options, and you may be eligible for a discount if you are a PC Optimum™ member†.
Get a free online quote now or give us a call at 1-877-253-8177.
When you rent or lease a property, tenant insurance can help cover the loss or damage of your personal belongings due to an unexpected event like fire or theft and vandalism.
It may also provide personal liability protection up to the coverage amount you’ve chosen if you’re found responsible for causing unintentional bodily injury to someone or accidentally damaging somebody’s property and are sued.
There are several factors taken into account when calculating motorcycle insurance rates, such as:
make and model of your motorcycle
where you live
your riding experience
how much you ride
Get your free online quote now (in select provinces) or give us a call at 1-877-253-8177.
Yes! You can earn 2x the regular PC Optimum™ points for every dollar spent when paying your insurance premium annually with your President's Choice® Financial Mastercard®*. You can also earn 2x the regular PC Optimum™ points for every dollar spent when you pay your insurance premium annually with your PC Money™ Account*.
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.
ꝉSave 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 . In British Columbia, these discounts are not applicable as savings have already been factored into the premium rating calculation or the discounts do not apply. 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 the following provinces: Alberta, Ontario, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador. Additionally, an Affinity Discount could apply on car insurance for PC Optimum™ Members in the following provinces: Alberta, Ontario, and Nova Scotia.
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
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 15% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Claims Free Discount.
Manitoba
You can save up 15% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the Claims Free Discount.
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 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 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 10% on car insurance if you are eligible for the Combined Policy Discount. You could also save up to 30% on your homeowner’s, condominium, or tenant insurance policy if you are eligible for the following discounts: Claims Free Discount and Combined Policy Discount.