Notice

The pages of the English website nbc-insurance.ca and its French version assurances-bnc.ca are sometimes subject to hyperlinks on a word or a legal note. For purposes hereof, "page" or "pages" refers to the Web page of the site which is the subject of the hyperlink to herein. These are applicable in the context of their respective pages only.

Products

Car

Car, Drive Savvy, motorcycle, ATV, snowmobile, trailer, caravan, boat and additional options

National Bank Insurance Auto | Home is a damage insurance agency owned by National Bank of Canada that distributes only auto and home insurance products underwritten by Belair Insurance Company Inc. 

Legal Note : This page has been written to illustrate the possibilities of the protections distributed by National Bank Insurance Auto | Home. Certain conditions, limitations and exclusions apply to all offers. These offers may vary and are subject to change without notice. The information found on this website is provided for information purposes only. Your insurance policy prevails at all times, please see it for a full discussion of the protections and exclusions.

® : Autocomfort is a registered trademark of Belair Insurance Company Inc used under authorization by National Bank Insurance Auto | Home.

Roadside Assistance: Roadside assistance services rendered by an independent third party and offered as part of insurance coverage for roadside assistance.

Drive Savvy : For additional details of the Drive Savvy program, browse our Drive Savvy FAQ and consult our Terms of Use.

Roadside assistance

DESCRIPTION

This endorsement provides that the roadside assistance costs described below and incurred for the specified vehicle will be reimbursed by the insurer.

ROADSIDE ASSISTANCE COSTS

The costs of the following roadside assistance services will be covered:

  • battery boosting;
  • door unlocking;
  • gas delivery, up to 10 litres;
  • towing within a radius of 50 kilometres;
  • wheel change.

Mechanical repairs and parts or supplies used to repair the specified vehicle are not covered under this endorsement.

LIMITS OF LIABILITY

$100 per event giving rise to roadside assistance charges.

$400 per policy year.

4 events per policy year.

COVERAGE TERRITORY

Anywhere in Canada and the United States

ASSISTANCE

24 hours a day, 7 days a week

How to reach the roadside assistance service

Just dial the toll-free number 1-844-267-6989 and provide the following information:

  • Your policy number as shown on your motor vehicle liability insurance card;
  • The year, make, model and registration number of your automobile;
  • The location of your automobile and the type of service required.

SERVICES PROVIDED

BATTERY BOOSTING

The assistance service will boost your vehicle’s battery. If the automobile fails to start, it will be towed to any repair shop you choose within a 50 kilometre radius of the initial breakdown.

TOWING DUE TO MECHANICAL FAILURE

In the event of a mechanical failure, if your automobile cannot be driven despite attempts by the assistance service to start it again, it will be towed to any repair shop you choose within a 50 kilometre radius of the initial breakdown.

GAS DELIVERY

If you run out of gasoline, the assistance service will deliver free of charge an emergency provision of gas (up to 10 litres) to allow you to drive to the nearest service station. Your vehicle may also be towed to any repair shop you choose within a 50 kilometre radius of the initial breakdown.

TIRE CHANGE

If you have a flat tire, the assistance service will install your spare tire if it is in good condition. If this is not the case, your automobile will be towed to any repair shop you choose within a 50 kilometre radius of the initial breakdown.

LOCKOUT ASSISTANCE

If your keys are locked in your vehicle, the assistance service will attempt to gain entry to your vehicle. If your keys are lost outside the vehicle, it will be towed to any repair shop you choose within a 50 kilometre radius of the initial location.

EXTRACTION OF STUCK VEHICLE

The assistance service will extract the vehicle if it is stuck, provided that it is accessible and near a normal road. If the vehicle cannot be reached with normal emergency road service equipment, additional charges may apply.

CONDITIONS AND SERVICE LIMITATIONS

  • To take advantage of any roadside assistance services, you must contact us before taking any action.
  • Additional charges will apply, according to the rates set by the assigned service provider, if the automobile is towed more than 50 kilometres from the location of the initial breakdown, or if you make a call for equipment that is deemed unnecessary.
  • Roadside assistance will not be provided outside the usual road network or if the vehicle cannot be reached safely.
  • One (1) service call will be counted against your limit of events per policy year in the following cases:
    • If your vehicle is left unattended or if it is not at the location of the initial breakdown when the service provider arrives; roadside assistance will not be provided in this case; or
    • If you make a request for roadside assistance and subsequently cancel the request or do not require the service.
  • We reserve the right to suspend roadside assistance services for a member who abuses the privilege.
  • If you make a claim for reimbursement for a service such as towing a vehicle on the road network managed by Transports Québec, the maximum amount payable will be $100 under the Insurance for roadside assistance costs endorsement (Q.E.F. No. 33) attached to your contract.
  • Each claim for reimbursement (under Q.E.F. No. 33) or request for roadside assistance will be considered as one (1) event, in the same way as a request for roadside assistance service.
  • Roadside assistance services are provided by an independent third party.

This service does not cover:

  • The cost of parts, labour and materials, nor any additional expenses for equipment, storage or seizure of the automobile.
  • Tolls paid to use roads, bridges or ferries or to cross a border.
  • Shovelling to access a vehicle.
  • Requests for services resulting directly or indirectly, in whole or in part, from war, riot, flood, invasion, insurrection or civil disturbance, or made when your vehicle is being used by a military or police force.
  • More than four (4) instances of roadside assistance service or events as described in endorsement Q.E.F. No. 33 (attached to your contract) for which a claim is submitted, for any one vehicle in one year of insurance.

CLAIM

The named insured must justify a claim by submitting to the insurer paid invoices for the roadside assistance costs.

All other conditions of the insurance contract remain the same.

Home

House, condo, apartment, income property, chalet, water damage and additional options

National Bank Insurance Auto | Home is a damage insurance agency owned by National Bank of Canada that distributes only auto and home insurance products underwritten by Belair Insurance Company Inc. 

Legal Note : This page has been written to illustrate the possibilities of the protections distributed by National Bank Insurance Auto | Home. Certain conditions, limitations and exclusions apply to all offers. These offers may vary and are subject to change without notice. The information found on this website is provided for information purposes only. Your insurance policy prevails at all times, please see it for a full discussion of the protections and exclusions.

SOS Identity

Certain conditions, limitations and exclusions apply. This coverage summary is intended for informational purposes only. Its content is not exhaustive and shall not be interpreted as a complete statement of the coverage or the S.O.S. Identity endorsement. Service offered through an external firm.

Car & Home

30 minute claims Guarantee Terms and Conditions

National Bank Insurance Auto | Home is a damage insurance agency owned by National Bank of Canada that distributes only auto and home insurance products underwritten by Belair Insurance Company Inc. 

Belair Insurance Company Inc. guarantees that one of its claims representative will start the claims process within 30 minutes of answering your call and will have the ability to take charge of the situation and arrange emergency support if required (the "Guarantee").

This applies only in respect of new loss or damage not previously reported to Belair Insurance Company Inc. in respect of a valid Belair Insurance Company Inc. personal auto or home policy issued by National Bank Insurance Auto | Home (the "Policy").

The support offered by Belair Insurance Company Inc.'s claims representatives depends on your insurance coverage and when your call is received.

To activate the Guarantee, the policyholder must call 1-877-392-6373 and speak to a claims representative. No other form of communication is permitted to activate the Guarantee.

The Guarantee is not valid if Belair Insurance Company Inc.'s operations are impacted by a system failure or catastrophic situation occurring in Canada at the time of your call, such as: earthquake, blackout, hailstorm, forest fire, flood, act of terrorism, war or other major natural disaster or political unrest.

If Belair Insurance Company Inc. is not able to live up to the Guarantee, you will receive a cheque in the amount of the annual premium of your home or auto insurance Policy relating to the claim up to a maximum of $1,000.

Your coverage will not be affected as a direct result of this payment.

Terms and conditions of this Guarantee may change without notice.

Life and Travel

AcciInsure

Legal Note : AcciInsure, Accident Recovery Benefits, which is offered by National Bank Life Insurance Company, a life insurance firm offering insurance products for individuals and groups and operating under the National Bank Insurance trademark, which belongs to National Bank of Canada and is being used under licence. All of the terms, conditions and exclusions regarding this coverage are stipulated in the insurance contract. Certain conditions apply. This product is not available at branches of National Bank of Canada.

®AcciInsure is a registered trademark of National Bank of Canada used by National Bank Life Insurance Company.

 

ProActive

Legal Note : Proactive, Personal Injury Insurance is offered by National Bank Life Insurance Company, a life insurance firm operating under the National Bank Insurance trademark, which belongs to National Bank of Canada and is being used under licence. All of the terms, conditions and exclusions regarding this coverage are stipulated in the insurance contract. Certain conditions apply. This product is not available at branches of National Bank of Canada.

* Medical Care Assistance Program  is a service provided by NBC Assistance Inc. NBC Assistance Inc. is a Canadian company offering identity theft and loan insurance assistance and operating under the National Bank Insurance trademark, which belongs to National Bank of Canada and is being used under licence. Medical Care Assistance Program is not an Insurance product. Certain conditions apply.

®ProActive is a registered trademark of National Bank of Canada used by National Bank Life Insurance Company

SECURIZONE®

Admissibility criteria

Subscription to an individual SECURIZONE® plan:

  • Must be 18 years of age or older
  • Must be a Canadian resident

Subscription to a family SECURIZONE® plan:

  • Partner: must meet the same criteria as the individual subscriber
  • Child: dependent child, 23 years of age or younger, must reside in Canada at the same address as the plan member

Need phone assistance

For assistance, contact the client service for NBC Assistance Inc.:

For assistance activating the services:

Equifax Complete™ Monitor services:

ID Assist™ (SECURIZONE® Assistance)

SECURIZONE® members who joined before February 19, 2018

The SECURIZONE® product has been modified on February 1, 2019 to include the Equifax CompleteTM Monitor services. However, you must register to access your Equifax account using the activation code that was mailed to you in order to benefit from the services.

For more information on your program or replacement services, refer to the Amendment or contact Customer Service at 1‑888‑535‑0510 (toll-free) or 514‑871‑8360. To obtain a copy of your contract, you can also contact our Customer Service.

SECURIZONE® assistance program contract

To find out about all of the details of our programs, consult the contract of SECURIZONE® 2.0, the contract of SECURIZONE® Alert or the contract of SECURIZONE® Assistance.

Legal notes

1. The monthly fees for the program are set out in the Summary of Your Program you received. They will be debited directly from your account. NBC Assistance may increase or change the fees at any time (at its sole discretion) with 30 days’ written notice. You are entitled to cancel the program with no penalty if you do not agree to the increase or change in fees.

®SECURIZONE is a registered trademark of National Bank of Canada used by NBC Assistance Inc.

The SECURIZONE® 2.0, SECURIZONE® Alert and SECURIZONE® Assistance programs (the "Programs") include several services to assist in taking precautions against identity theft and fraud attempts and to respond if an event occurs.

For SECURIZONE® 2.0, these services are provided by Axa Assistance Inc. For SECURIZONE® and SECURIZONE® Alerts, these services (other than Equifax Complete™ Monitor) are provided by Axa Assistance Inc.  With SECURIZONE® Alert or SECURIZONE® 2.0 you have access to Equifax Complete™ Monitor, a product of Equifax, a partner of NBC Assistance Inc.

Equifax, Equifax Complete™ Monitor and Equifax trademarks are registered trademarks of Equifax Inc.

For SECURIZONE® Assistance, you have access to ID Assist, a product of Sigma Loyalty, a partner of NBC Assistance Inc. ID Assist™, Sigma Loyalty Group Inc. and related trademarks and logos are trademarks owned or used under licence. The ID Assist™ solution is provided by Sigma Loyalty Group Inc.

®SECURIZONE programs are open to Canadian residents must be aged 18 years or older.

NBC Assistance Inc. promotes the program and offers it to you under the following terms and conditions.
For more details, consult the contract for the selected product.

You can also make a request by writing to:
NBC Assistance Inc.
1100 Robert-Bourassa Blvd., 5th Floor
Montreal, QC H3B 2G7

Axa Assistance Inc.
2001 Robert-Bourassa Blvd., Suite #1850
Montreal, QC H3A 2L8

Equifax Inc.
5700 Yonge St.
New York (Ontario) M2M 4G8

Sigma Loyalty Group inc.
55 York Street, suite 900
Toronto (Ontario) M5J 1R7

Travel Insurance

National Bank Life Insurance | Health: National Bank Life Insurance | Health is a trademark of National Bank of Canada used under licence by National Bank Life Insurance Company (NBLIC). For the purposes herein, "we," "us" and "our" refer to NBLIC.

Legal note: The individual travel insurance policy is an insurance product established by NBLIC. This product is offered to Quebec residents via a network of dedicated licensed Financial Security Advisors acting on behalf of National Bank Insurance Firm Inc., a financial services firm that has a financial relationship with NBLIC. The insurance is also offered in New-Brunswick and Ontario by salaried NBLIC employees.

This insurance is subject to the conditions, limitations, restrictions and exclusions set out in the insurance policy. The information on this page has no contractual value and is only intended to help you understand the product. In the event of a discrepancy between the information on this website and your insurance policy, the latter shall take precedence. This product is not available through National Bank of Canada branches.

Hospitalization Plus Insurance

Note légale : Hospitalization Plus Insurance is offered by National Bank Life Insurance Company, a life insurance firm operating under the National Bank Insurance trademark, which belongs to National Bank of Canada and is being used under licence. All of the terms, conditions and exclusions regarding this coverage are stipulated in the insurance contract. Certain conditions apply. This product is not available at branches of National Bank of Canada.

®Hospitalization Plus Insurance is a registered trademark of National Bank of Canada used by National Bank Life Insurance Company.

NovaHealth

Legal Note : NovaHealth, Critical Illness Insurance is offered by National Bank Life Insurance Company, a life insurance firm operating under the National Bank Insurance trademark, which belongs to National Bank of Canada and is being used under licence. All of the terms, conditions and exclusions regarding this coverage are stipulated in the insurance contract. Certain conditions apply. This product is not available at branches of National Bank of Canada.

® NovaHealth is a registered trademark of National Bank of Canada used by National Bank Life Insurance Company

Our advisors

Firm : National Bank Insurance Firm Inc. (“NBIF”) distribute life and health insurance from several Canadian insurers. NBIF operate in Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Prince Edward Island, Quebec and Saskatchewan, and uses the National Bank Insurance trademark, which belongs to National Bank of Canada. For the purposes herein, “we,” “us” and “our” refer to NBIF.

Medical Care Assistance

Medical Care Assistance Program  is a service provided by NBC Assistance Inc. NBC Assistance Inc. is a Canadian company offering identity theft and loan insurance assistance and operating under the National Bank Insurance trademark, which belongs to National Bank of Canada and is being used under licence. Medical Care Assistance Program is not an Insurance product. Certain conditions apply.

10 or 20-Year Term Life Insurance

National Bank Insurance Life | Health: National Bank Insurance Life | Health is a trademark of National Bank of Canada used under license by National Bank Life Insurance Company (“NBLIC”). For the purposes herein, "we," "us" and "our" refer to NBLIC.

Legal notice: 10 or 20-Year Term Life Insurance is an insurance product established by National Bank Life Insurance Company (“NBLIC”), an insurance company offering life and health insurance products. This product is exclusively offered to residents of Quebec via a network of dedicated licensed brokers acting on behalf of National Bank Insurance Firm Inc., a financial services firm that has a financial relationship with NBLIC. This Insurance is also offered in other Canadian provinces by salaried employees who are offering only the 10 or 20-year term life insurance. This insurance is subject to the terms, conditions, limitations and exclusions set out in the insurance contract. The information on this website has no contractual value and is only intended to help you understand the product. In the event of a discrepancy between the information on this website and your insurance contract, the contract shall take precedence. Certain conditions apply. This product is not available through National Bank of Canada branches.

Loan and Credit Card

Mortgage Insurance Loan and All-In-One

National Bank Insurance : National Bank Insurance is a trademark of National Bank of Canada and some of its subsidiaries.

Assistance: The assistance services are provided by NBC Assistance Inc. NBC Assistance Inc. is a Canadian company offering identity theft and loan insurance assistance and operating under the National Bank Insurance trademark, which belongs to National Bank of Canada and is being used under licence. The Assistance is offered with the loan insurance products since the july 21st 2014.  

Insurer: National Bank Life Insurance Company

Distributor : National Bank of Canada

Legal Note : The information on this website has no contractual value and is only intended to help you understand the product. If you have questions of a legal nature, refer solely to your insurance certificate and policy. In the event of a discrepancy between the information on this website and your insurance certificate, the certificate shall take precedence.

Applicable taxe on premiums : Quebec : 9%, Ontario : 8% and Manitoba : 7%

Credit Card Payment Insurance

National Bank Insurance : TM The NATIONAL BANK INSURANCE word mark and logo are trademarks of National Bank of Canada, used under license by some of its subsidiaries.

Insurer: National Bank Life Insurance Company

Distributor : National Bank of Canada

Legal Note : The information on this website has no contractual value and is only intended to help you understand the product. If you have questions of a legal nature, refer solely to your insurance certificate and policy. In the event of a discrepancy between the information on this website and your insurance certificate, the certificate shall take precedence.

Applicable taxe on premiums : Quebec : 9%, Ontario : 8% and Manitoba : 7%

‡ : Mastercard is a registered trademark of Mastercard International Inc.

Personal Loan Insurance, Line of Credit and Car Loan

National Bank Insurance : National Bank Insurance is a trademark of National Bank of Canada and some of its subsidiaries.

Insurer: National Bank Life Insurance Company

Distributor : National Bank of Canada

Legal Note : The information on this website has no contractual value and is only intended to help you understand the product. If you have questions of a legal nature, refer solely to your insurance certificate and policy. In the event of a discrepancy between the information on this website and your insurance certificate, the certificate shall take precedence.

Applicable taxe on premiums : Quebec : 9%, Ontario : 8% and Manitoba : 7%

Business

Commercial Loan Insurance

National Bank Insurance : National Bank Insurance is a trademark of National Bank of Canada and some of its subsidiaries.

Insurer: National Bank Life Insurance Company

Distributor : National Bank of Canada

Legal Note : The information on this website has no contractual value and is only intended to help you understand the product. If you have questions of a legal nature, refer solely to your insurance certificate and policy. In the event of a discrepancy between the information on this website and your insurance certificate, the certificate shall take precedence.

Applicable taxe on premiums : Quebec : 9%, Ontario : 8% and Manitoba : 7%

Group Insurance

Group insurance products are no longer offered by NBIF. These products are now available from our partner HUB International. For more information, please contact your advisor or account manager.

Firm : National Bank Insurance Firm Inc. (“NBIF”) distribute life and health insurance from several Canadian insurers. NBIF operate in Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Prince Edward Island, Quebec and Saskatchewan, and uses the National Bank Insurance trademark, which belongs to National Bank of Canada. For the purposes herein, “we,” “us” and “our” refer to NBIF.

HR Assistance Solutions

HR Assistance Solutions : NBIF distribute life and health insurance from several Canadian insurers. NBIF operate in Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Prince Edward Island, Quebec and Saskatchewan, and uses the National Bank Insurance trademark, which belongs to National Bank of Canada. For the purposes herein, “we,” “us” and “our” refer to NBIF.

National Bank Assistance Network : National Bank Assistance Network is a trademark of National Bank of Canada used under licence by NBC Assistance Inc.

Collective +

Group insurance products are no longer offered by NBIF. These products are now available from our partner HUB International. For more information, please contact your advisor or account manager.

Our firm : National Bank Insurance Firm Inc. (“NBIF”) distribute life and health insurance from several Canadian insurers. NBIF operate in Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario, Prince Edward Island, Quebec and Saskatchewan, and uses the National Bank Insurance trademark, which belongs to National Bank of Canada. For the purposes herein, “we,” “us” and “our” refer to NBIF.

Legal note : The information on this page is meant to illustrate coverage options. Complete terms and conditions of coverage are contained in the contract.

Advice and Benefits

Legal Note regarding car and home insurance articles and advice

Legal Note : All of the terms, conditions and exclusions regarding the coverages are stipulated in the insurance contracts and endorsements. Certain conditions apply.

National Bank Insurance Auto | Home is a damage insurance agency owned by National Bank of Canada that distributes only auto and home insurance products underwritten by Belair Insurance Company Inc. For purposes hereof, "we", "us" and "our" refer to National Bank Insurance Auto | Home.

 

Note regarding the articles and advice named : “How to save on your car insurance”, “Combined : together is so much better”, “7 tips for paying lass for your car insurance”, “Choosing your deductibles to save money”, “Young drivers car insurance”.

Legal note :  This page has been written to illustrate the possibilities of economies or discounts offered by National Bank Insurance Auto | Home. National Bank Insurance Auto | Home is a damage insurance agency owned by National Bank of Canada that distributes only auto and home insurance products underwritten by Belair Insurance Company Inc. For purposes hereof, "we", "us" and "our" refer to National Bank Insurance Auto | Home. Certain conditions apply.

Claims

Auto and Home Claims

Legal Note : National Bank Insurance Auto | Home is a damage insurance agency owned by National Bank of Canada that distributes only auto and home insurance products underwritten by Belair Insurance Company Inc. For purposes hereof, "we", "us" and "our" refer to National Bank Insurance Auto | Home.

Life and Travel Claims 

® : Hospitalization Plus Insurance, ProActive, AcciInsure, et NovaHealth,Critical Illness Insurance are  registered trademark of National Bank of Canada used by National Bank Life Insurance Company. SECURIZONE® is a registred trademark of National Bank of Canada used by  NBC Assistance Inc. under licence.