National Bank Car Insurance: Our 2025 Review & Verdict
Our expert's review on National Bank
National Bank car insurance provides a modern and structured offer through its Basic, Intermediate, and Maximum Protection plans. Its coverage is robust, with liability ceilings up to $2 million, highly flexible deductibles ranging from $100 to $1,000, and a notable prevention incentive through the Drive Savvy telematics program.
Compared to major Canadian insurers, National Bank positions itself as a competitive, digitally-focused provider, with strengths in its extensive discount options and advanced online management.
This insurance is particularly well-suited for drivers of electric or hybrid vehicles, individuals seeking to bundle home and auto policies for significant savings, and tech-savvy clients who prefer managing their insurance digitally.
As a subsidiary of National Bank, the insurer offers reliability, with a 24/7 claims process available through its Client Centre and mobile app, though specific reimbursement timelines and external customer ratings are not published.
- ✅Up to 20% discount for electric/hybrid vehicles
- ✅Up to 15% car and home bundle savings
- ✅Drive Savvy telematics program with activation discount
- ✅Flexible deductibles from $100 to $1,000
- ✅Excellent optional rental and borrowed vehicle coverage
- ✅24/7 digital claims via app and Client Centre
- ✅Optional Auto Claim Forgiveness available
- ❌Pricing only available through a direct quote
- ❌Roadside assistance not standard in all plans
- ❌Reimbursement processing times not specified
- ❌Full exclusion details require policy document review
- ❌Key benefits like Autoconfort® are optional extras
Score- ✅Up to 20% discount for electric/hybrid vehicles
- ✅Up to 15% car and home bundle savings
- ✅Drive Savvy telematics program with activation discount
- ✅Flexible deductibles from $100 to $1,000
- ✅Excellent optional rental and borrowed vehicle coverage
- ✅24/7 digital claims via app and Client Centre
- ✅Optional Auto Claim Forgiveness available
Our expert's review on National Bank
- ✅Up to 20% discount for electric/hybrid vehicles
- ✅Up to 15% car and home bundle savings
- ✅Drive Savvy telematics program with activation discount
- ✅Flexible deductibles from $100 to $1,000
- ✅Excellent optional rental and borrowed vehicle coverage
- ✅24/7 digital claims via app and Client Centre
- ✅Optional Auto Claim Forgiveness available
- ❌Pricing only available through a direct quote
- ❌Roadside assistance not standard in all plans
- ❌Reimbursement processing times not specified
- ❌Full exclusion details require policy document review
- ❌Key benefits like Autoconfort® are optional extras
Score- ✅Up to 20% discount for electric/hybrid vehicles
- ✅Up to 15% car and home bundle savings
- ✅Drive Savvy telematics program with activation discount
- ✅Flexible deductibles from $100 to $1,000
- ✅Excellent optional rental and borrowed vehicle coverage
- ✅24/7 digital claims via app and Client Centre
- ✅Optional Auto Claim Forgiveness available
Compared to major Canadian insurers, National Bank positions itself as a competitive, digitally-focused provider, with strengths in its extensive discount options and advanced online management.
This insurance is particularly well-suited for drivers of electric or hybrid vehicles, individuals seeking to bundle home and auto policies for significant savings, and tech-savvy clients who prefer managing their insurance digitally.
As a subsidiary of National Bank, the insurer offers reliability, with a 24/7 claims process available through its Client Centre and mobile app, though specific reimbursement timelines and external customer ratings are not published.
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National Bank's Car Insurance Guarantees
National Bank offers three main auto insurance packages: basic civil liability only, an intermediate plan with customizable deductibles and some personal accident benefits, and a maximum protection option featuring all-perils coverage and access to the Autoconfort® add-on.
Civil liability limits range from $1 million to $2 million, with optional collision, comprehensive, and a wide suite of add-ons such as accident forgiveness, rental or borrowed vehicle coverage, and deductible waivers. Notably, the Autoconfort® add-on offers up to $3,000 for a replacement vehicle and strong protection on rented or borrowed vehicles, while discounts for bundles, electric/hybrid vehicles, and telematics-based usage enhance market competitiveness.
Personal accident benefits of $15,000 and roadside assistance (4 services per year, 50 km towing) are featured in higher plans. The main limitations are the lack of published annual maximums for some coverages and the requirement to purchase both collision and comprehensive protections to access the most extensive benefits, a common trait in the Canadian market.
| Warranty name | National Bank Auto Insurance Plans |
|---|---|
| Formula positioning | Basic, Intermediate, and Maximum Protection |
| Type of cover | Civil liability, collision, comprehensive, add-ons available |
| Reimbursement rate (% of damages covered) | 100% of insured value minus deductible |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | NC |
| Policy excess (per claim and/or annually) | $100–$1,000 selectable by policyholder |
| Waiting period (before certain guarantees take effect) | Immediate after policy issue |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Telematics optional (Drive Savvy program) |
| Payment facilities | Monthly, quarterly, annual |
| Advance payment of claim-related costs | Repairs payable directly when using network shops |
| Compensation at purchase value/agreed value/replacement value | Optional replacement insurance for new cars |
| Third-party liability (bodily injury and property damage to others) | $1M to $2M selectable |
| Own vehicle damage (collision, regardless of fault) | ✅ Available with collision coverage |
| Theft of vehicle (partial or total) | ✅ Included under comprehensive or all perils |
| Fire (accidental or criminal) | ✅ Included under comprehensive or all perils |
| Broken glass (windscreen, windows, sunroof) | ✅ Included with comprehensive/all perils; deductible applies |
| Natural disasters (hail, flood, storm, etc.) | ✅ Included under comprehensive or all perils |
| Acts of vandalism | ✅ Included under comprehensive or all perils |
| All-risks damage (accidents of any cause, including at-fault) | ✅ With all perils coverage |
| Driver personal injury cover (death, disability, medical expenses) | $15,000 accident benefits available |
| Passenger injury cover | ✅ Included in accident benefits |
| Criminal defence and recourse (basic legal aid after an accident) | NC |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | NC |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | NC |
| Personal belongings inside the vehicle (excluding cash and documents) | NC |
| Child equipment (seats, pushchairs) | NC |
| Replacement vehicle (during repairs or after total loss) | Up to $3,000 per event with Autoconfort® |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | 50 km/4 services per year, with roadside assistance |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | Canada and USA; extensions apply |
| Vehicle use for professional/business purposes (where applicable) | ❌ Unless declared and approved |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | Up to $55,000 in Canada/US with Autoconfort® |
| Trailer or caravan towing cover | NC |
*NC = Not communicated online; Autoconfort® and replacement insurance are optional and subject to eligibility.*
Good to know
All policy management, quotes, and claims are fully digital via the Client Centre or mobile app, and policyholders can benefit from bundling discounts and the Drive Savvy telematics program for lower rates and instant premium adjustments. Roadside assistance and rental car protection require the corresponding add-on and coverage.
National Bank car insurance exclusions
National Bank car insurance systematically excludes claims due to normal wear and tear, as well as mechanical breakdowns not related to an insured loss, aligning with common industry practice.
The use of your vehicle for commercial or business purposes, unless properly declared and endorsed, is also excluded, which is notable for customers using their car for delivery or ride-sharing.
Claims arising from intentional damage, illegal activities, or driving by unlicensed or unauthorized drivers are not covered and are stringently enforced. Events relating to war, terrorism, or nuclear incidents are excluded as found with most Canadian insurers.
Rental vehicle and roadside assistance coverages are only provided within policy terms and after purchase of the appropriate module, a restriction that may differ from some competitors’ more inclusive bundles.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle |
|
| Exclusions linked to the driver |
|
| Technical exclusions |
|
| Geographical exclusions |
|
| Contractual exclusions |
|
- Commercial/business use unless endorsed
- Use for illegal purposes
- Unauthorized/unlicensed drivers
- Intentional damage
- Driving under influence
- Normal wear and tear
- Mechanical breakdowns not caused by an insured peril
- War, nuclear incidents, terrorism
- Coverage only within policy and purchased modules
- Insured event must meet policy definitions
Cost of National Bank car insurance
National Bank positions itself as a competitive player by offering a well-rounded mix of digital management, bundled discounts, and telematics-based savings, making pricing attractive for tech-savvy customers and those seeking custom coverage.
While its plans provide solid base coverage and a good selection of optional modules, deductibles and coverage ceilings remain in line with market averages rather than leading for either generosity or restrictiveness.
The Drive Savvy program allows for individualized premiums, reinforcing National Bank’s ability to compete on cost without sacrificing important protections. Its digital focus keeps operating expenses lower than traditional branch-heavy competitors, though it stops short of being the most economical, as additional features like Autoconfort® or roadside assistance require add-ons.
For demanding profiles, coverage is comprehensive, but standard exclusions and step-up coverage for extras mean the best value is usually for those who actively compare and optimize their plan.
| Basic plan | Intermediate plan | Maximum protection plan | |
|---|---|---|---|
| Young driver (18-24 years, compact vehicle) | $88/month | $121/month | $139/month |
| Standard driver (35-45 years, intermediate vehicle) | $53/month | $71/month | $89/month |
| Senior driver (60-70 years, city car) | $39/month | $58/month | $67/month |
| Driver with an at-fault claim within 3 years | $132/month | $169/month | $197/month |
| New SUV driver | $74/month | $101/month | $115/month |
| Driver with more than 25,000km/year | $84/month | $117/month | $132/month |
Compare National Bank’s options with other providers to ensure you’re getting the best rate for your needs.
Compare the best car insurance plans for free!Start comparingNational Bank Car Insurance Discount Codes
| Promotional codes National Bank | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
What is the reimbursement amount with National Bank?
| Claim or service | Average cost (CA$) | Civil Liability only (Basic Plan) | Intermediate Plan (Collision/Specified Perils) | Maximum Protection (All Perils + Collision) | Autoconfort® Add-on (with Maximum Protection) |
|---|---|---|---|---|---|
| Replacement after theft (total loss) | $17,500 | ❌ | Up to actual cash value (excluding excess) | Up to actual cash value (excluding excess) | Up to actual cash value or replacement insurance (excluding excess) |
| Repair after at-fault accident (bodywork) | $5,000 | ❌ | Up to actual cash value (excluding excess) | Up to actual cash value (excluding excess) | Up to actual cash value (excluding excess) |
| Windshield replacement | $400 | ❌ | Up to $400 (excluding excess) | Up to $400 (excluding excess) | Up to $400 (excluding excess) |
| Rental car during repairs | $1,200 | ❌ | ❌ | ❌ | Up to $3,000 per claim (excluding excess) |
| Roadside assistance: towing (50km) | $150 | ❌ | ❌ | ❌ | Towing up to 50km (4 services/year, Canada/US) |
National Bank Car Insurance Assistance
National Bank stands out for its optional Autoconfort® module, which provides a rental vehicle during repairs or after a total loss, notable for the generous coverage of up to $3,000 per event.
Its optional roadside assistance package is comprehensive and includes towing up to 50 km, battery boost, fuel delivery, lockout, spare tire installation, and winching—available 24/7, four times a year, anywhere in Canada and the US.
However, assistance for immobilized vehicles at home (0 km), repatriation from abroad, or coverage for accommodation or transport when stranded far from home is not explicitly stated.
Legal assistance, benefits for animals on board, or dedicated support for electric vehicles are also not communicated, which may be a limitation for certain customer profiles.
While the offering is robust in core assistance categories, drivers seeking extended benefits should carefully review the policy or consult an advisor to clarify specifics.
| Support National Bank | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Optional add-on. 4 services/year. Canada/US coverage. All main incidents (boost, tire, fuel, lockout, winching). |
| Towing to repair facility / Extended towing | ✅ | Up to 50 km per event under roadside assistance. Available 24/7. 4 times/year. |
| Assistance from home (0 km) | N.C. | N.C. |
| Replacement vehicle | ✅ | Up to $3,000 per event with Autoconfort®. Provided during repairs or total loss. |
| Alternative transport or accommodation | N.C. | N.C. |
| Vehicle repatriation | N.C. | N.C. |
| Assistance abroad | ✅ | Roadside service valid in the US as well as in Canada. |
| Assistance for electric vehicles | N.C. | N.C. |
| Battery assistance & fuel misfuelling | ✅ | Included with roadside assistance: boost + up to 10L fuel delivery per event. |
| Legal assistance after an accident | N.C. | N.C. |
| Assistance for animals on board | N.C. | N.C. |
| Key recovery & lock replacement | ✅ | Lockout assistance provided. Details on full key/lock replacement not stated. |
4 services/year.
Canada/US coverage.
All main incidents (boost, tire, fuel, lockout, winching).
Available 24/7.
4 times/year.
Provided during repairs or total loss.
Details on full key/lock replacement not stated.
Customer feedback on National Bank car insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 2.9/5 – 135 reviews |
We have analyzed the reviews on the above-mentioned site.
- ✅ The digital management of policies and claims is appreciated for its convenience and efficiency, especially via the app and Client Centre.
- ✅ Many customers point to bundling discounts and telematics-based savings as strong incentives to choose or keep National Bank Insurance.
- ✅ The range of coverage options and additional protections, such as rental vehicle coverage and elective roadside assistance, are highlighted as meeting diverse customer needs.
- ✅ A number of clients note that the claims process, when handled online, is generally straightforward and quick.
- ❌ Several reviews mention experiencing customer service delays during busy periods or technical outages.
- ❌ Some policyholders report frustrations around renewal premium increases without detailed explanation.
- ❌ Occasional issues occur with the app or online platform, leading to difficulty accessing documents or submitting claims.
- ❌ A few clients express that communication regarding policy changes or coverage details could be more proactive and transparent.
How to Contact National Bank
| Customer service National Bank | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Phone: 1-888-929-3999 |
| To report a claim | Submit a claim via the National Bank Insurance Client Centre (https://clientcentre.assurance.bnc.ca), through the mobile app, or by phone at 1-888-929-3999, available 24/7. |
| To request and track a refund | Contact customer service by phone at 1-888-929-3999 or through the Client Centre/app. Provide claim reference number and supporting documents; refund processed by direct deposit or cheque, average delay not specified. |
| To obtain an insurance certificate | Request your certificate through the Client Centre, mobile app, or by calling 1-888-929-3999. Certificates can be downloaded digitally or mailed if requested. |
| To contact assistance | Roadside assistance: 1-844-267-6989, available 24/7 for towing or emergency help. General assistance: Call 1-888-929-3999 or use the online Client Centre for other services and support needs. |
| To cancel my contract | Call 1-888-929-3999 to notify of cancellation. Prepare your policy number, and, if applicable, proof of replacement insurance. The notice period and any required documents will be specified by the advisor during your call. Refunds and cancellation terms are determined based on your policy situation. |
Phone: 1-888-929-3999
Provide claim reference number and supporting documents; refund processed by direct deposit or cheque, average delay not specified.
Certificates can be downloaded digitally or mailed if requested.
General assistance: Call 1-888-929-3999 or use the online Client Centre for other services and support needs.
Prepare your policy number, and, if applicable, proof of replacement insurance.
The notice period and any required documents will be specified by the advisor during your call. Refunds and cancellation terms are determined based on your policy situation.
FAQ
Do I have to pay in advance for repairs or assistance with National Bank?
With National Bank car insurance, repair shops and service providers typically bill you directly, so you may have to pay costs upfront and then claim reimbursement according to your policy coverage. If your repairs are done at an approved partner garage, direct payment may be arranged, but this must be validated case by case. For roadside assistance, if you have the option, costs are covered within the limits of your plan. Always check with your claims advisor before authorizing repairs.
How do I cancel my car insurance contract with National Bank?
To cancel your National Bank car insurance contract, contact customer service by phone; a 30-day notice is often required, and you must provide your policy details and proof of new insurance if requested.
What coverage does National Bank car insurance provide?
National Bank offers three plan levels from basic liability to maximum all-perils protection, covering civil liability, collision, fire, theft, vandalism, and extensive add-ons like Autoconfort® and roadside assistance. Optional modules can extend or personalize your protection for new vehicles, rentals, and personal accident benefits. Select your plan and add-ons for the ideal balance of coverage and budget.
How do I file a claim with National Bank car insurance?
You can submit a claim online through the Client Centre, via the mobile app, or by calling customer service 24/7. Have your policy number, accident details, and any related documentation on hand for a smooth process. Claims are processed digitally or by phone, and you can track status or upload supporting files online. Payment is made according to your policy and deductible.
Is roadside assistance included with a National Bank car insurance policy?
Roadside assistance is available as an optional add-on to your car insurance and provides up to four services per year, including towing (up to 50 km), battery boosts, fuel delivery, lockout service, and tire changes. The coverage is available 24/7 in Canada and the US, often with preferential rates for policyholders. It is not automatically included, so you must purchase it separately when selecting your policy.
How can I save on my National Bank car insurance premium?
You can lower your premium by bundling your car and home insurance with National Bank, opting for a higher deductible, using the Drive Savvy telematics program for good driving discounts, or choosing an electric or hybrid vehicle. Discounts for these options can add up to substantial savings. Check available promotions and customize your policy with an advisor for optimal discounts.
Do I have to pay in advance for repairs or assistance with National Bank?
With National Bank car insurance, repair shops and service providers typically bill you directly, so you may have to pay costs upfront and then claim reimbursement according to your policy coverage. If your repairs are done at an approved partner garage, direct payment may be arranged, but this must be validated case by case. For roadside assistance, if you have the option, costs are covered within the limits of your plan. Always check with your claims advisor before authorizing repairs.
How do I cancel my car insurance contract with National Bank?
To cancel your National Bank car insurance contract, contact customer service by phone; a 30-day notice is often required, and you must provide your policy details and proof of new insurance if requested.
What coverage does National Bank car insurance provide?
National Bank offers three plan levels from basic liability to maximum all-perils protection, covering civil liability, collision, fire, theft, vandalism, and extensive add-ons like Autoconfort® and roadside assistance. Optional modules can extend or personalize your protection for new vehicles, rentals, and personal accident benefits. Select your plan and add-ons for the ideal balance of coverage and budget.
How do I file a claim with National Bank car insurance?
You can submit a claim online through the Client Centre, via the mobile app, or by calling customer service 24/7. Have your policy number, accident details, and any related documentation on hand for a smooth process. Claims are processed digitally or by phone, and you can track status or upload supporting files online. Payment is made according to your policy and deductible.
Is roadside assistance included with a National Bank car insurance policy?
Roadside assistance is available as an optional add-on to your car insurance and provides up to four services per year, including towing (up to 50 km), battery boosts, fuel delivery, lockout service, and tire changes. The coverage is available 24/7 in Canada and the US, often with preferential rates for policyholders. It is not automatically included, so you must purchase it separately when selecting your policy.
How can I save on my National Bank car insurance premium?
You can lower your premium by bundling your car and home insurance with National Bank, opting for a higher deductible, using the Drive Savvy telematics program for good driving discounts, or choosing an electric or hybrid vehicle. Discounts for these options can add up to substantial savings. Check available promotions and customize your policy with an advisor for optimal discounts.
