COVID-19: Auto Insurance Relief Measures

Premium rebates & discounts are available during the coronavirus pandemic.

The COVID-19 pandemic is wreaking havoc on our economy, and millions of Canadians are struggling with their personal finances during the lockdown.

In response, some insurance companies are offering relief measures to help ease the burden on Canadian drivers and homeowners.

Our COVID-19 rebate calculator makes it easy to find out what your insurer is doing.

COVID-19 Car Insurance Rebate/Reduced Premium Calculator

Based on your information, here is the potential monthly rebate you may be eligible for:

Alternatively, find your insurance provider in the list below, and click on their name to learn about the emergency support measures they have implemented. Depending on your circumstances, you may qualify for a refund or reduction in your premium.

COVID-19 Relief Measures by Provider

Allstate Canada

Summary of relief measures

April 2020: Allstate Canada is offering customers a one-time payment of approximately 25% of their monthly auto premium.

June 8, 2020: Allstate Canada announced a second "Stay at Home Payment." Customers who have active automobile policies as of July 6, 2020 will qualify to receive a one-time payment of approximately 25% of their monthly auto premium. Customers need not apply for this payment, it will automatically be sent to them by cheque in August.

Contact

For more details, contact your insurance broker, or reach out to Allstate directly:

Alberta: Toll Free: 1-800-661-1577 / Local: 403-974-8700

Atlantic: Toll Free: 1-800-561-7222 / Local: 506-859-7820

Ontario: Toll Free: 1-800-387-0462 / Local: 905-477-5550

Quebec: Toll Free: 1-800-463-2813 / Local: 514-351-5335

Visit Allstate’s website for more information on their response to COVID-19.

Aviva Canada

Summary of relief measures

As of May 21, 2020, customers across Canada who notify Aviva that they’re driving less will see a temporary minimum rate reduction of about 15% per vehicle. The rate reduction will be applied for 90 days automatically for all changes effective prior to June 15, 2020. Aviva notes that some Albertan drivers will not see a 15% reduction due to where they are on the grid system.

Customers of Aviva who are not driving at all during the lockdown, can reduce their monthly auto insurance premium by up to 75%.

If you are on an annual payment plan, you can switch to a 2-pay, 3-pay or 4-pay plan.

If you are unable to make your next payment, contact Aviva and request to defer it until next month.

If your payment comes back NSF (non-sufficient funds), Aviva will not charge NSF fees and your payment will be deferred for a month. If your payment is NSF for a second month, you will receive a registered letter, but your policy will not be terminated at this time.

Contact

For more details, contact your insurance broker, or reach out to Aviva directly:

Toll free: 1-800-387-4518

Visit Aviva’s website for more information on their response to COVID-19.

Belairdirect

Summary of relief measures

Belairdirect’s COVID-19 relief measures include the option of a flexible payment schedule, payment deferrals and premium adjustments.

You will not be charged NSF (non-sufficient funds) fees if you are unable to make a payment at this time.

Contact

For more details, contact your insurance broker, or reach out to belairdirect directly:

Toll free: 1-888-280-8549

Visit belairdirect’s website for more information on their response to COVID-19.

CAA Insurance

Summary of relief measures

For customers in Ontario, CAA has implemented a $50 relief benefit to all policies with an effective date before October, 28, 2020. The $50 benefit is automatically sent as a cheque, along with a letter outlining the initiative details, via mail. The benefit is applied on a policy level, not per household. No action is required.

There are 10% rate reductions to all new and existing Ontario customers and you must be on a 12-month policy to qualify. No action is required for this reduction, it's automatically rolled out to new and existing customers.

To customers on an annual plan, you can now switch to a monthly plan. Policies won't be cancelled and if your payment comes back NSF (non-sufficient funds), and you can't make a replacement payment, you'll be allowed to spread your missed payment across future payments.

Contact

For more details, contact your insurance broker, or reach out to your local CAA chapter.

Chieftain Insurance

Summary of relief measures

If you know you are unable to make your next payment, you may be able to delay it for up to 30 days.

If your payment comes back NSF (non-sufficient funds), Chieftain will not cancel your policy at this time.

Coachman Insurance

Summary of relief measures

If you know you cannot make your next payment, you may be able to defer it, or spread it out over the remainder of your policy.

If your payment comes back NSF (non-sufficient funds), Coachman will not charge NSF fees or cancel your policy at this time.

Contact

For more details, contact your insurance broker, or reach out to Coachman directly:

Tel: 306-751-3375

Visit Coachman's website for more information on their response to COVID-19.

The Co-operators Insurance

Summary of relief measures

Reduced premiums may be available to customers who are working from home and no longer driving to work. Once implemented, these reduced premiums will be available through to June, 2020.

Clients who have stopped using their vehicle entirely can contact The Co-operators to discuss suspension of some coverages.

The Co-operators is also offering flexible payment schedules and deferring payments due to COVID-19. Additionally, NSF (non-sufficient funds) fees will be waived.

Contact

For more details, contact your insurance broker, or visit The Co-operators' website for more information on their response to COVID-19.

Desjardins General Insurance

Summary of relief measures

Drivers who are only using their vehicles for essential trips to a grocery store or pharmacy may qualify for a reduced rate for three months. The exact refund is based on the annual kilometres stated in your policy.

If you’re working from home during the pandemic and have a home insurance policy, you may qualify for a temporary increase in home-based business property coverage, at no extra cost.

Announced July 2020, Desjardins will offer additional refunds ranging between 25% and 40% of one monthly premium for all eligible auto insurance customers. Drivers whose policies are active as of June 30 will automatically receive this new refund.

Contact

For more details, contact your insurance broker, or visit Desjardins' website for more information on their response to COVID-19.

The Dominion Insurance

Summary of relief measures

If you know you are unable to make your next payment, you may be able to delay it for up to 30 days.

If your payment comes back NSF (non-sufficient funds) for an auto policy, Dominion will attempt to take payment again within 14 days. For a home insurance policy, your balance will be carried over to next month. Dominion will not cancel your policy due to NSF at this time.

Contact

For more information on financial assistance offered by Dominion Insurance, a subsidiary of Travelers Insurance Canada, please contact your broker or visit their COVID-19 page here.

Economical Insurance

Summary of relief measures

Effective August 1, customers who had their annual kilometres adjusted to 1 KM, will have their account automatically updated to reflect the kilometres previously noted on their file. Changes to other fields on the policy (e.g., commute or business use) will not be automatically reverted and will require updating if or when customer resumes these activities. 

Customers who continue to have reduced driving are encouraged to adjust their annual kilometres accordingly based on their individual circumstances.

Economical is still offering the following relief measures for customers in Alberta: Adjustments for different types of use, based on individual needs, e.g., customers who are driving less or not currently driving, can temporarily reduce or suspend driving coverage. On a case-by-case basis, payment deferrals and waiving Economical’s first NSF fee for missed payments due to the pandemic.

Contact

For more details, contact your insurance broker, or visit Economical's website for more information on their response to COVID-19.

Echelon Insurance

Summary of relief measures

Customers who are driving less can request to reduce the mileage associated with their policy, for a premium reduction of up to 15%.

Customers who are no longer using their vehicles at all, can request to remove all but comprehensive coverage from their policy. This will result in a premium reduction of up to 80%.

Upon request, these relief measures will be applied to active policies retroactively for March 15, 2020, or the date of the most recent policy change, whichever occurred sooner.

In addition, Echelon will refrain from introducing planned rate increases for the next three to six months.

If you know you are unable to make your next payment, you can defer it until next month, or spread it out across the remaining payments of your policy.

If your payment is denied due to NSF (non-sufficient funds), Echelon will give you a future date when they will re-attempt to take payment. If payment does not go through a second time, Echelon will let you know, but they will not cancel your policy due to NSF at this time. You will be given time to make the payment and NSF fees are being waived.

Contact

For more details, contact your insurance broker, or visit Echelon's website for more information on their response to COVID-19.

Gore Mutual Insurance

Summary of relief measures

For existing customers with a home insurance policy who are currently working from home, Gore Mutual will provide personal liability and business property coverage up to $5,000, at no extra cost until July 31, 2020.

Customers who had an auto policy as of April 8, 2020, are eligible for a one-time refund, equivalent to 20% on three months of payments. Announced at the end of June, Gore Mutual is also offering a 5% base rate decrease for private auto customers (effective July 20 for new customers and August 24 for customers renewing their policies).

If you are unable to make your next payment, Gore Mutual may accommodate by delaying the withdrawal date, doubling up your payment on the next month or spreading out the payment over remaining installments.

If your payment comes back NSF (non-sufficient funds), a second withdrawal attempt will be made within 5 days of the original payment date. If the second attempt does not go through and this is your first missed payment, it will be added to next month’s bill. NSF fees will be waived and if necessary, they can put a hold on your account so your policy does not get cancelled.

Contact

For more details, contact your insurance broker, or visit Gore Mutual's website for more information on their response to COVID-19.

HTM Insurance

Summary of relief measures

HTM Insurance will be waiving NSF (non-sufficient funds) and short-term cancellation fees at this time. Other relief measures will be considered on a case by case basis.

Contact

For more details, contact your insurance broker, or reach out to HTM directly:

Toll free: 1-800-263-3935

Visit HTM's website for more information on their response to COVID-19.

iA Financial Group

Summary of relief measures

Quebec-based insurer iA Financial is providing monthly discounts of up to 20% for auto and home policyholders.

Contact

For more details, contact your insurance broker, or visit iA's website for more information on their response to COVID-19.

Intact Insurance

Summary of relief measures

As of August 1, many temporary relief measures (deferrals, premium discounts) will be lifted. Intact will no longer be making exceptions to allow personal lines vehicles to be used for delivery purposes.

Some temporary guidelines will stay in place until further notice including providing coverage at no charge for customers who are offering childcare to assist families affected by COVID-19.

Intact have extended the period to apply for their auto premium relief for reduced kilometres driven until July 31. Starting with effective dates of July 14, auto premium adjustments that have been in force for 90 days will come to an end. Most of the premium relief transactions will be automatically reversed.

Contact

For more details, contact your insurance broker, or visit Intact's website for more information on their response to COVID-19.

Jevco

Summary of relief measures

If your job has been affected due to COVID-19 and you know you cannot make your next payment, let Jevco know and they may delay it up to one month without penalty.

If your payment comes back NSF (non-sufficient funds), Jevco will re-attempt the payment within 14 days. If that payment also does not go through, a registered letter will be sent to you. They may be able to waive the NSF fees at this time.

Contact

Jevco is a subsidiary of Intact Insurance. For more details, contact your insurance broker, or visit Intact's website for more information on their response to COVID-19.

La Capitale Insurance

Summary of relief measures

La Capitale customers may qualify for a 20% rebate on car insurance until the lockdown is over.

Contact

For more details, contact your insurance broker, or visit La Capitale's website for more information on their response to COVID-19.

L’Unique General Insurance

Summary of relief measures

Quebec’s L’Unique is offering a 20% rebate for auto insurance policyholders during the lockdown period.

Contact

For more details, contact your insurance broker, or visit L'Unique's website for more information on their response to COVID-19.

Northbridge Insurance

Summary of relief measures

All Northbridge in-force personal lines policyholders with third-party liability coverage as of May 31, 2020, will receive an automatic 15% premium rebate for the months of April, May and June. No application is required, and the rebate will be processed beginning June 1, 2020.

Customers who have stopped driving entirely will be able to suspend their personal coverage during the pandemic. Customers can also choose to reduce to comprehensive only.

Northbridge Insurance will be offering flexible payment schedules to their customers. They are also waiving NSF (non-sufficient funds) fees until May 31, 2020.

Contact

For more details, contact your insurance broker, or visit Northbridge's website for more information on their response to COVID-19.

Onlia

Summary of relief measures

Onlia customers who had an active home or auto policy as on March 31, 2020, and who have made at least one full monthly payment, will have their insurance premium payment waived for the month of May.

In addition, the company is also activating their safe-driving app, Onlia Sense™ to reward people for staying home: in May, customers can earn $20 cash for not driving at all.

Contact

For more details, contact your insurance broker, or visit Onlia's website for more information on their response to COVID-19.

Pafco Insurance

Summary of relief measures

Customers who had an active auto policy as of April 8, 2020, will qualify for a one-time payment of 25% of their monthly auto premium.

On June 8, 2020 Pafco announced a second "Stay at Home Payment." Customers who have active automobile policies as of July 6, 2020 will qualify to receive a one-time payment of approximately 25% of their monthly auto premium. Customers need not apply for this payment, it will automatically be sent to them by cheque in August.

If you know you cannot make your next monthly payment, Pafco may allow you to delay it by up to one month without penalty. They may also be willing to spread out the balance across your remaining payment schedule.

If your payment is denied due to NSF (non-sufficient funds), Pafco will re-attempt the payment within 3-5 business days. If that payment also does not go through, you will receive a registered letter advising you of next steps.

Contact

For more details, contact your insurance broker, or visit Pafco's website for more information on their response to COVID-19.

Pembridge Insurance

Summary of relief measures

Pembridge customers who had an active auto policy as of April 8, 2020, will qualify for a one-time payment of 25% of their monthly auto premium.

On June 8, 2020 Pembridge announced a second "Stay at Home Payment." Customers who have active automobile policies as of July 6, 2020 will qualify to receive a one-time payment of approximately 25% of their monthly auto premium. Customers need not apply for this payment, it will automatically be sent to them by cheque in August.

If you know you cannot make your next monthly payment, Pembridge may allow you to delay it by up to one month without penalty. They may also be willing to spread out the balance across your remaining payment schedule.

If your payment is denied due to NSF (non-sufficient funds), Pembridge will re-attempt the payment within 3-5 business days. If that payment also does not go through, you will receive a registered letter advising you of next steps.

Contact

For more details, contact your insurance broker, or visit Pembridge's website for more information on their response to COVID-19.

RSA Canada

Summary of relief measures

Reduced premiums are available for customers who are driving considerably less than before, or who are no longer using their vehicles.

Flexible payment options including payment deferrals are available.

NSF (non-sufficient funds) fees for personal policies after April 1, 2020 will be waived.

Contact


For more details, contact your insurance broker, or visit RSA's website for more information on their response to COVID-19.

SGI Insurance

Summary of relief measures

SGI implemented a Declaration of Emergency (DOE) endorsement in March, 2020, in Alberta, Ontario, Saskatchewan, B.C. and Manitoba. This meant they were not cancelling policies due to non-payment. Announced July, 2020, the DOE endorsement is coming to an end, and policies will now be treated per the normal lapse and cancellation processes.

However, SGI says it will still work to help customers who may be struggling to pay their insurance bills.

Contact

For more details, contact your insurance broker, or reach out to SGI directly:

Tel: 1-844-TLK-2SGI (1-844-855-2744)

SSQ Insurance

Summary of relief measures

All SSQ auto policyholders will receive a 20% rebate on their monthly premium for each insured vehicle until the end of the COVID-19 lockdown.

Contact

For more details, contact your insurance broker, or visit SSQ's website for more information on their response to COVID-19.

TD Insurance

Summary of relief measures

Eligible home and auto customers can request a 90-day payment deferral on their premiums.

TD is also offering temporary premium reductions to reflect changes in driving habits, and the elimination of NSF fees during the pandemic.

TD is also suspending the cancellation of auto and home policies because of non-payment.

Originally, the relief measures were scheduled to expire on July 16. On July 6, TD Insurance announced it is extending its home and auto relief measures to August 31, 2020.

Contact

For more details, contact your insurance broker, or reach out to TD directly:

Toll free: 1-866-454-8910

Visit TD's website for more information on their response to COVID-19.

Travelers Canada

Summary of relief measures

Travelers Canada is extending its Stay-at-Home Auto Premium Credit Program and providing customers with an additional 15% credit on one month’s premium. This follows the 25% credit announced in April. Customers will receive the credit automatically. Processing of the initial 25% credit for most customers began in May, with customers in Alberta and the Territories starting in July. Travelers expect to begin processing the additional 15% credit in August for most customers and in September for customers in Alberta and the Territories.

Contact

For more details, contact your insurance broker, or visit Traveler's website for more information on their response to COVID-19.

Unica Insurance

Summary of relief measures

Unica’s personal auto insurance policyholders will automatically receive a one-time refund, equivalent to 15% of three months premium (April, May and June).

Unica customers who have stopped driving entirely can suspend their personal road coverage.

Premium payment deferrals are available on a case-by-case basis.

Unica is waiving NSF (non-sufficient funds) fees.

Contact

For more details, contact your insurance broker, or visit Unica's website for more information on their response to COVID-19.

Wawanesa Insurance

Summary of relief measures

Wawanesa will not implement previously approved rate increases (approved before the lockdown) during the pandemic.

Whether your car is permanently parked because you’re no longer driving, or you’re still using your car but just for essential trips, Wawanese encourages you to contact your broker to discuss options on how your premium can be lowered.

Wawanesa is offering flexible payment options including payment deferrals. Wawanesa is also waiving NSF fees for non-payment until May 25, 2020.

Auto rentals and payments for living expenses are being extended on existing claims.

Contact

For more details, contact your insurance broker, or visit Wawanesa's website for more information on their response to COVID-19.

Zenith Insurance

Summary of relief measures

Zenith will work customers to identify changes to their driving behavior that may result in a premium reduction. Customers who have stopped driving entirely will be able to suspend their personal use policy, or reduce it to comprehensive only, during the pandemic.

If you are facing financial challenges as a result of COVID-19, you may qualify for a one-month payment deferral. All NSF (non-sufficient funds) fees will be waived until May 31, 2020.

Contact

For more details, contact your insurance broker, or reach out to Zenith directly:

Toll free: 1-888-440-4876

Visit Zenith's website for more information on their response to COVID-19.

If you have questions about any of the emergency support outlined on this page, or if you don’t see your insurance company listed here, reach out to your broker or provider for assistance.

FAQ: Frequently asked questions about COVID-19 and insurance

How can I save on auto insurance during the COVID-19 pandemic?

The vast majority of Canadians are driving less than they were before the lockdown. Here are a few ways to save on your auto policy during the pandemic.

What happens if I miss a payment on home or auto insurance?

Social distancing is important to slow the spread of COVID-19, but it has left millions of Canadians out of work and struggling to pay their bills. Here's what might happen if you miss an insurance payment during the pandemic.

Will my home insurance policy cover me for COVID-19?

With Canadians stuck at home for the forseeable future, many are wondering if their home insurance policy offers any respite. Find out if your home insurance policy covers you for COVID-19.

What does a State of Emergency mean for home insurance?

Several provinces including Ontario and Alberta have declared a State of Emergency in response to the coronavirus pandemic. Find out what it means for home insurance.