Scottish & York Insurance Company

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About Scottish & York

In 2008, Scottish & York Insurance Company changed their name to Aviva Scottish & York. Aviva Scottish & York Insurance is a wholly owned subsidiary of Aviva Canada Inc, one of Canada largest insurance companies. Aviva also changed the name of their Pilot Insurance Company, which is now known as Aviva Pilot. Aviva has been selling insurance to Canadians since 1906.

Subsidiaries

Aviva Canada is broken down into five subsidiaries:

Aviva Insurance Company
Aviva Elite
Aviva Traders
Aviva Pilot
Aviva Scottish & York

What does Scottish & York cover?

Home insurance

You can purchase comprehensive home insurance coverage through Scottish & York. Newfoundland & Labrador residents are not able to purchase home coverage at this time.

Car insurance

Scottish & York offers full mandatory auto insurance coverage. They also offer a variety of optional coverages including comprehensive and collision coverages, temporary vehicle rental and accident forgiveness.

Does Scottish & York offer discounts?

Like most insurance companies, Scottish & York provides several opportunities for drivers to take advantage of discounts on their car insurance. The discounts offered by Scottish & York make it easy for drivers to save money on their car insurance policies. 

The following are just a few of the ways that Scottish & York help drivers get the lowest rates:

Bundle your policies: You can save up to 15% on your car insurance policy by bundling it with at least one of your other insurance policies, whether home insurance, snowmobile insurance, ATV insurance, or even your rental property insurance policy.

Zero deductible benefit: Scottish & York offers their customers a zero deductible benefit which means that your deductible will decrease by 20% for each year that you remain claims-free. Your deductible is the amount of money that you will be required to pay out-of-pocket in the event that you need to make an insurance claim. Generally speaking, the higher your deductible, the cheaper your premium will be.

Scottish & York optional coverages

In Canada, there is a minimum amount of car insurance that is mandatory for all drivers. While some drivers prefer to save money by opting for the minimum requirements, this only provides them with a thin layer of protection. To give customers additional peace of mind, Scottish & York offers a variety of additional coverages on top of the standard car insurance required in each province.

Collision coverage will protect you from the financial burden of having to pay out-of-pocket for damages resulting from a collision. 

Comprehensive coverage will cover damage to your vehicle caused by an event other than a collision, whether fire, vandalism, theft, etc.

Should you need to rent a vehicle temporarily while yours is being repaired or replaced, temporary vehicle replacement will cover the cost of the rental.

With new car guarantee, the value of your car will be protected for a certain amount of time following the purchase date.

Typically, if you receive a conviction, your insurance rates will go up. With this coverage option, you can avoid the increase in your premium should you receive a minor conviction. 

As the name suggests, accident forgiveness will keep your driving record clean when you’re involved in your first at-fault accident. With accident forgiveness, you will walk away from your first accident as if it never happened.

Affordable Car Insurance

Aviva Scottish & York is known for its competitively priced auto and home insurance coverage. They work with broker partners across the country to deliver specialty and traditional insurance products.

How do you purchase Scottish & York insurance?

The easiest way to find a broker is to visit the Aviva Canada website and click on the ‘Find a Broker’ link. You will be taken to a page that allows you to enter your postal code. Click enter and you will get a list of Aviva Insurance brokers located within 25 kilometres of your home. Your other option is to contact local brokers in your city and see if they carry Aviva products.

Complaint Officer

If you would like to speak to the Scottish & York Insurance Company Complaints Officer, Lori DeAcetis, you can reach her by calling 1-877-219-3643 (EXT 43634). The email address for the complaints department is [email protected] You can also mail them a letter at the following address: 2206 Eglinton Ave East, Scarborough, Ontario, M1L 4S8.

Claims Line

Call 1-866-692-8482 if you need to make a claim. You will be put in touch with an Aviva Canada Claims Care Advisor. This is a toll free telephone service that is open 24 hours a day. Aviva Canada will connect you with their network of preferred car repair shops. If you visit the Aviva Canada website you can view a map of the Premiere Auto Repair Centres that are affiliated with the insurance company.

Further reading

Scottish and York’s website has great information on ways to prevent fire, water, and electrical damage to your home and vehicle. They also have information on what to do if you are in an accident and need to make a claim. 

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