Help & Support

How do I choose the right coverage?

There are two groups of coverage for your vehicle - mandatory coverage and optional coverage.

Mandatory types of coverage that are required by law:*


Optional types of coverage include:

  • Optional Increased Accident Benefits Coverage (in most provinces)
  • Waiver of Depreciation
  • Rental Car Coverage (Liability to Damage to Non-Owned Automobiles)
  • Accident Forgiveness
  • Loss of Use Coverage


You are not required by law to purchase insurance to cover damages to your vehicle. But, if you have a newer vehicle, you may want to protect your investment with Comprehensive Coverage and/or Collision Coverage. If you're leasing or financing your vehicle, it will be required by your leasing company or bank that you insure your vehicle for both Collision and Comprehensive coverage.

Another popular service you can add to your policy is Roadside Assistance. **

At Scotia Home & Auto Insurance, we work with you to offer choices and flexibility. Optional coverages and added services allow you to customize your policy to best protect you and your family.

*Not applicable in Quebec.

**Available at no extra charge to customers in Quebec who insure both their car and home with Scotia Home & Auto Insurance. Please contact us at 1.833.223.8740 if you have questions about services offered in Quebec.

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