What Is RBC Auto Insurance in Ontario?
Royal Bank of Canada (RBC) offers auto insurance tailored for Ontario drivers, covering liability, collision, comprehensive, and optional add‑ons such as roadside assistance. Policies are sold through RBC's financial services arm and can be bundled with banking products for discounts.
More from this site
Keep reading the latest coverage
Key Coverage Elements
RBC's auto policies include:
- Liability Coverage – protects against bodily injury and property damage you cause to others.
- Collision Coverage – pays for repairs to your vehicle after a crash, regardless of fault.
- Comprehensive Coverage – covers theft, vandalism, natural disasters, and other non‑collision incidents.
- Uninsured Motorist Protection – safeguards you if the at‑fault driver lacks insurance.
- Roadside Assistance – 24/7 towing, battery jump‑start, lockout service, and more.
Discounts and Bundles
RBC offers several savings avenues:
- Multi‑policy discount – combine auto with home, renters, or life insurance.
- Safe‑driving discount – maintain a clean record for at least 12 months.
- Vehicle safety discount – equip your car with approved safety tech.
- Banking bundle discount – link your auto policy to a RBC bank account or credit card.
How to Apply and Get a Quote
Start online or call a local RBC broker. Provide:
- Vehicle details – make, model, year, VIN.
- Driving history – claims, accidents, traffic violations.
- Current insurance status – if switching, bring policy numbers.
RBC's quote engine estimates premiums within 24 hours. You can adjust coverage limits and deductibles to balance cost and protection.
Claims Process and Customer Support
File a claim through RBC's mobile app or website. The steps are:
- Submit incident details and photos.
- RBC assigns a claims adjuster.
- Repair estimates and payment instructions are sent.
Customer service operates 24/7 for urgent inquiries, and a dedicated claims team handles complex cases.
Comparing RBC to Other Ontario Insurers
| Attribute | RBC | Geico | Allstate |
|---|---|---|---|
| Policy Bundling | Yes – home, life, auto | No | Yes – auto, home, renters |
| Roadside Assistance | Included | Optional | Optional |
| Discount for Safe Driving | Yes | Yes | Yes |
Is RBC the Right Choice for You?
Consider RBC if you value:
- Integrated banking and insurance services.
- Potential savings from multi‑policy bundles.
- 24/7 roadside assistance as a standard feature.
If you prioritize the lowest base premium or specialized commercial coverage, you may explore other carriers.