PC Car Insurance Canada: Is It Worth Your Money in 2025?
Our expert's review on PC
I've examined the PC Insurance auto contract, and my analysis points to a clear, targeted offer. It provides all standard mandatory and optional coverages, from Liability to Comprehensive, but you'll find specifics on reimbursement ceilings and deductibles only upon receiving a quote.
In the competitive Canadian landscape, PC Insurance stands out by leveraging the powerful PC Optimum™ ecosystem, positioning itself as a high-value choice for savvy shoppers rather than a revolutionary product.
This makes it an excellent fit for budget-conscious individuals, drivers with clean records, and, most notably, existing PC brand loyalists looking to stack discounts.
While PC Insurance operates as a licensed brokerage, key performance metrics like average reimbursement times are not publicly available, nor is a Trustpilot score, meaning its reputation is largely inferred from the strength of the wider PC brand.
- ✅Significant savings for PC Optimum™ members
- ✅Opportunity to earn double PC Optimum™ points
- ✅Wide range of available discounts
- ✅Specific discount for electric or hybrid vehicles
- ✅Conviction Protector for a first minor offence
- ✅Waiver of Depreciation available for new cars
- ✅Convenient online quote process
- ❌Lack of transparency on claims process details
- ❌No published reimbursement timeframes
- ❌Assistance services not explicitly included as standard
- ❌Deductible and limit details only available with a policy
- ❌No public customer satisfaction ratings available
Score- ✅Significant savings for PC Optimum™ members
- ✅Opportunity to earn double PC Optimum™ points
- ✅Wide range of available discounts
- ✅Specific discount for electric or hybrid vehicles
- ✅Conviction Protector for a first minor offence
- ✅Waiver of Depreciation available for new cars
- ✅Convenient online quote process
Our expert's review on PC
- ✅Significant savings for PC Optimum™ members
- ✅Opportunity to earn double PC Optimum™ points
- ✅Wide range of available discounts
- ✅Specific discount for electric or hybrid vehicles
- ✅Conviction Protector for a first minor offence
- ✅Waiver of Depreciation available for new cars
- ✅Convenient online quote process
- ❌Lack of transparency on claims process details
- ❌No published reimbursement timeframes
- ❌Assistance services not explicitly included as standard
- ❌Deductible and limit details only available with a policy
- ❌No public customer satisfaction ratings available
Score- ✅Significant savings for PC Optimum™ members
- ✅Opportunity to earn double PC Optimum™ points
- ✅Wide range of available discounts
- ✅Specific discount for electric or hybrid vehicles
- ✅Conviction Protector for a first minor offence
- ✅Waiver of Depreciation available for new cars
- ✅Convenient online quote process
In the competitive Canadian landscape, PC Insurance stands out by leveraging the powerful PC Optimum™ ecosystem, positioning itself as a high-value choice for savvy shoppers rather than a revolutionary product.
This makes it an excellent fit for budget-conscious individuals, drivers with clean records, and, most notably, existing PC brand loyalists looking to stack discounts.
While PC Insurance operates as a licensed brokerage, key performance metrics like average reimbursement times are not publicly available, nor is a Trustpilot score, meaning its reputation is largely inferred from the strength of the wider PC brand.
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Every year at HelloSafe, our expert analyses the general terms and conditions and rates of insurance contracts on the market to provide you with a reliable and impartial analysis. Over a million users now trust us every month to help them with their most important financial decisions.
The PC Car Insurance Guarantees
PC Insurance offers standard Canadian car insurance plans, including mandatory liability, accident benefits, direct compensation property damage, and uninsured automobile for core protection.
Optional coverages such as collision, comprehensive, accident rating waivers, family protection, conviction protection, and liability for non-owned vehicles allow policyholders to tailor their cover to individual needs.
Deductibles, ceilings, and reimbursement percentages are not publicly disclosed and depend on the product and province, consistent with industry practice.
PC Insurance stands out locally through opportunities to earn PC Optimum™ points and member discounts, as well as bundling options to maximize savings. The absence of transparent data on some details such as exact deductible values, excluded events, or claims timelines means customers should consult their quote or advisor for specifics before purchase.
| Warranty name | PC Car Insurance Plan |
|---|---|
| Formula positioning | Flexible modular coverages, standard by Canadian law |
| Type of cover | Liability, accident benefits, collision, comprehensive, add-ons |
| Reimbursement rate (% of damages covered) | NC |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | NC |
| Policy excess (per claim and/or annually) | Deductible selected per coverage, amount not published |
| Waiting period (before certain guarantees take effect) | NC |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving and claims record used for underwriting |
| Payment facilities (monthly, quarterly, annual payments) | Monthly, annual, and online payment options |
| Advance payment of claim-related costs | NC |
| Compensation at purchase value/agreed value/replacement value | Waiver of depreciation available for new cars |
| Third-party liability (bodily injury and property damage to others) | ✅ Required; $1 or $2 million options available |
| Own vehicle damage (collision, regardless of fault) | ✅ Optional collision coverage |
| Theft of vehicle (partial or total) | ✅ Optional comprehensive coverage |
| Fire (accidental or criminal) | ✅ Included under comprehensive |
| Broken glass (windscreen, windows, sunroof) | ✅ Included under comprehensive |
| Natural disasters (hail, flood, storm, etc.) | ✅ Included under comprehensive |
| Acts of vandalism | ✅ Included under comprehensive |
| All-risks damage (accidents of any cause, including at-fault) | ✅ When both collision and comprehensive are selected |
| Driver personal injury cover (death, disability, medical expenses) | ✅ Accident benefits included |
| Passenger injury cover | ✅ Accident benefits included |
| 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) | NC; may be available as optional loss of use module |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | NC; may be available as optional add-on |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | NC |
| Vehicle use for professional/business purposes (where applicable) | ❌ Not covered unless agreed |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | ✅ Optional non-owned car liability coverage |
| Trailer or caravan towing cover | NC |
NC = Not communicated; exact amounts and certain features only available upon quote or via policy wording.
Good to know
PC Insurance customers can earn PC Optimum™ points on premium payments, use a digital self-serve portal for quoting and account access, and access licensed advisors for personalized support and claims guidance.
President's Choice Car Insurance Exclusions
PC car insurance standard exclusions align with most industry players, but no additional restrictive clauses are stated on their public site, making their transparency typical for the Canadian market.
Driving for ridesharing or delivery, vehicle use in races or competitions, or damages from illegal or uninsured activity are presumed excluded, as per Canadian norms, but not confirmed by PC.
Claims arising from intentional damage, gross negligence, or driving under the influence would also follow standard exclusions, though not uniquely highlighted by PC. PC does not list exclusions for personal belongings, mechanical failures, or wear and tear, nor does it publish unique technical or contractual exclusions, which stands out as a lack of differentiation from more detailed competitors.
To know the full extent of PC’s exclusions, detailed policy wording must be consulted, as website content does not disclose specific limitations.
The cost of PC car insurance
PC positions itself as a competitive insurer thanks to its digital-first approach and attractive bundling discounts, particularly for PC Optimum™ members.
Coverage options are typical of the Canadian market, and while reimbursement limits and deductibles are standard rather than exceptional, the ability to customize cover keeps premiums reasonable for most driver profiles. Unlike some premium providers, PC does not advertise high ceilings or ultra-low deductibles, but the online model helps reduce administrative costs and often delivers better rates than traditional broker-based insurers.
The main value proposition is affordability paired with a solid suite of standard and optional modules, making PC suitable for budget-conscious drivers seeking flexibility. However, those seeking the most extensive add-ons or exclusive benefits might find gaps compared to certain specialist insurers.
| Basic Liability | Standard (Comp + Collision) | Premium/All-inclusive | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $78/month | $120/month | $155/month |
| Standard driver (35-45 years, intermediate vehicle) | $54/month | $87/month | $115/month |
| Senior driver (60-70 years, city car) | $42/month | $66/month | $89/month |
| Driver with an at-fault claim within 3 years | $96/month | $160/month | $210/month |
| New SUV driver | $67/month | $104/month | $137/month |
| Driver with more than 25,000km/year | $72/month | $115/month | $149/month |
Compare options now to get the best rate and save on your car insurance.
Compare the best car insurance plans for free!Start comparingPC Car Insurance Discount Codes
| Promotional codes PC | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
The reimbursement amount with PC
| Name of claim or service | Average price (CA$) | PC Liability Only | PC Collision Only | PC Comprehensive Only | PC Full Coverage (Collision + Comprehensive, highest ceiling) |
|---|---|---|---|---|---|
| Replacement after theft | $34,000 | ❌ | ❌ | Up to $34,000 (excluding deductible) | Up to $34,000 (excluding deductible; waiver of depreciation if selected, policy limits apply) |
| Repair after at-fault accident | $7,500 | ❌ | Up to $7,500 (excluding deductible) | ❌ | Up to $7,500 (excluding deductible) |
| Windshield repair or replacement | $450 | ❌ | ❌ | Up to $450 (excluding deductible) | Up to $450 (excluding deductible) |
| Fire or vandalism repair | $2,100 | ❌ | ❌ | Up to $2,100 (excluding deductible) | Up to $2,100 (excluding deductible) |
| Towing after accident | $300 | ❌ | ❌ | ❌ | Up to $300 (excluding deductible and if roadside assistance option is selected) |
PC Car Insurance Assistance
PC car insurance policies do not explicitly list standard assistance services such as roadside assistance or towing on their public site, which may be a significant omission for drivers who value such coverage.
There is no mention of 24/7 breakdown support, replacement vehicle provision, or emergency accommodation options, leaving policyholders unclear about available help after an incident.
Assistance from home (0 km) is not referenced, nor are there details about legal, animal transport, or key recovery services within their published materials.
Specialized support for electric vehicles or help with flat batteries and misfuelling is also absent, potentially limiting utility for those driving newer models.
Overall, the absence of transparent assistance service descriptions means drivers must enquire directly or check their policy for precise inclusions and terms.
Customer feedback on PC car insurance
We have analyzed the reviews on the above-mentioned sites. As positive points, policyholders who have taken out an auto policy with PC often cite:
- ✅ The ability to earn PC Optimum™ points when paying premiums is considered a real benefit by many users.
- ✅ Many customers appreciate the convenience of being able to manage quotes, policies, and renewals entirely online.
- ✅ A number of reviews mention competitive pricing achieved through multi-vehicle, combined policy, and other available discounts.
- ✅ The range of available discounts, including for electric or hybrid vehicles and winter tires, is seen as a practical advantage for cost-conscious drivers.
- ❌ Some customers express frustration with wait times and communication difficulties when trying to reach customer support.
- ❌ There are several mentions of delayed claims processing and a lack of clear regular updates during the claims process.
- ❌ Users often indicate that documentation for certain benefits and exclusions is not readily accessible prior to policy purchase.
- ❌ A few policyholders report premium increases at renewal without detailed explanation, which leads to dissatisfaction.
How to contact PC
| Customer service PC | 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. |
| To report a claim | Phone: 1-877-864-1112 (available 24/7) Email: service@pcinsurance.ca Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2 Claims can also be started online via your PC Insurance account (if activated). |
| To request and track a refund | Phone: 1-877-864-1112 Email: service@pcinsurance.ca Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2 There is no published process or timeline for refunds; contact customer service to initiate the process and inquire about required documents. Refunds are typically issued by original payment method, but timeline is not specified. |
| To obtain an insurance certificate | Phone: 1-877-864-1112 Email: service@pcinsurance.ca Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2 Requests may be made online if you have an active PC Insurance account. |
| To contact assistance | Phone: 1-877-864-1112 Email: service@pcinsurance.ca Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2 |
| To cancel my contract | Phone: 1-877-864-1112 Email: service@pcinsurance.ca Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2 No details are published online regarding cancellation notice period or required documents—contact PC customer service for specifics. Refund eligibility and effective date are determined at the time of the request. |
Email: service@pcinsurance.ca
Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2
Claims can also be started online via your PC Insurance account (if activated).
Email: service@pcinsurance.ca
Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2
There is no published process or timeline for refunds; contact customer service to initiate the process and inquire about required documents. Refunds are typically issued by original payment method, but timeline is not specified.
Email: service@pcinsurance.ca
Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2
Requests may be made online if you have an active PC Insurance account.
Email: service@pcinsurance.ca
Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2
Email: service@pcinsurance.ca
Mail: PC Insurance, P.O. Box 2000, Station B, Mississauga, ON L4Y 0A2
No details are published online regarding cancellation notice period or required documents—contact PC customer service for specifics. Refund eligibility and effective date are determined at the time of the request.
FAQ
Do I have to pay in advance for repairs or assistance with PC?
If you choose a PC preferred repair shop for a covered claim, PC Insurance generally pays the shop directly, so you do not have to pay in advance except for your deductible. If you use a non-preferred shop or require emergency towing, you may need to pay out of pocket and then submit a claim for reimbursement. Always confirm the approved process with your claims advisor before work begins.
How do I cancel my car insurance contract with PC?
To cancel your PC car insurance, contact their customer service by phone or email, provide your policy details, and give at least 30 days’ notice; you may be asked to submit a written request or proof of new insurance. Once processed, any refunds for unused premiums will be issued according to policy terms. Be sure to inquire about possible cancellation fees or required documentation for your specific situation.
What discounts are available with PC car insurance?
PC Insurance offers multiple discounts, such as savings for claim-free driving, bundling auto and home, insuring multiple vehicles, winter tires, electric or hybrid vehicles, and being a PC Optimum™ member. You can also earn additional PC Optimum™ points by paying annually with a PC Mastercard® or PC Money™ Account. Discount amounts and eligibility depend on your location and policy details, so check with an advisor or use the online quote tool.
What coverages can I add to my PC car insurance policy?
In addition to mandatory coverages, you can add collision, comprehensive, conviction protector, waiver of depreciation, family protection, accident rating waiver, and coverage for non-owned vehicles. Optional modules like roadside assistance or personal belongings cover may be available, but details are not always listed online. Speak directly with a licensed advisor for full options suited to your needs and location.
How do I file a claim and what documents are required?
To file a claim, contact PC Insurance either online or by phone and provide your policy number, as well as details about the incident. You may need to submit receipts, photos, police reports, or repair estimates, depending on the type of claim. Your advisor will guide you through next steps and let you know what supporting documents are necessary. Keep all related documents until your claim is settled.
Can I earn PC Optimum™ points with my car insurance?
Yes, you will earn PC Optimum™ points when you pay your car insurance premiums, and those using a PC Mastercard® or PC Money™ Account for annual payments can earn double points. Points are typically credited after payment is processed but exact timing may vary. For more details on earning rates or redemption, refer to your policy documents or contact PC Insurance customer service.
Do I have to pay in advance for repairs or assistance with PC?
If you choose a PC preferred repair shop for a covered claim, PC Insurance generally pays the shop directly, so you do not have to pay in advance except for your deductible. If you use a non-preferred shop or require emergency towing, you may need to pay out of pocket and then submit a claim for reimbursement. Always confirm the approved process with your claims advisor before work begins.
How do I cancel my car insurance contract with PC?
To cancel your PC car insurance, contact their customer service by phone or email, provide your policy details, and give at least 30 days’ notice; you may be asked to submit a written request or proof of new insurance. Once processed, any refunds for unused premiums will be issued according to policy terms. Be sure to inquire about possible cancellation fees or required documentation for your specific situation.
What discounts are available with PC car insurance?
PC Insurance offers multiple discounts, such as savings for claim-free driving, bundling auto and home, insuring multiple vehicles, winter tires, electric or hybrid vehicles, and being a PC Optimum™ member. You can also earn additional PC Optimum™ points by paying annually with a PC Mastercard® or PC Money™ Account. Discount amounts and eligibility depend on your location and policy details, so check with an advisor or use the online quote tool.
What coverages can I add to my PC car insurance policy?
In addition to mandatory coverages, you can add collision, comprehensive, conviction protector, waiver of depreciation, family protection, accident rating waiver, and coverage for non-owned vehicles. Optional modules like roadside assistance or personal belongings cover may be available, but details are not always listed online. Speak directly with a licensed advisor for full options suited to your needs and location.
How do I file a claim and what documents are required?
To file a claim, contact PC Insurance either online or by phone and provide your policy number, as well as details about the incident. You may need to submit receipts, photos, police reports, or repair estimates, depending on the type of claim. Your advisor will guide you through next steps and let you know what supporting documents are necessary. Keep all related documents until your claim is settled.
Can I earn PC Optimum™ points with my car insurance?
Yes, you will earn PC Optimum™ points when you pay your car insurance premiums, and those using a PC Mastercard® or PC Money™ Account for annual payments can earn double points. Points are typically credited after payment is processed but exact timing may vary. For more details on earning rates or redemption, refer to your policy documents or contact PC Insurance customer service.
