PC Car Insurance Review

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 13, 2025

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 13, 2025

Visit author page

4 minute read

Article Contents

This page is for informational purposes only. MyChoice is not affiliated with this company.

About PV Car Insurance

PC (President Choice) Insurance was founded in 1996 and is a subsidiary of Loblaw Companies. Loblaw’s is a supermarket chain founded in 1919. Loblaw has PC Insurance as its major insurance subsidiary, providing home, auto, travel, and business insurance.

PC offers auto insurance in select areas, including:

How PC’s Customer Reviews Compare to Other Insurance Companies

Insurance
Provider		Company’s
Online Rating
PC4.5/5
CAA3.0/5
Allstate1.9/5
Sonnet3.3/5
Aviva4.4/5
Source: Google Reviews, Trustpilot

PC Car Insurance Pros & Cons

Below are some main pros and cons of getting car insurance with PC, based on the company’s online reviews.

ProsCons
Easy Cancellation ProcessDeclining Quality
and Reputation
Positive Claims ExperienceHigh Pricing
Stable Rates Over Time
Loaner Car Provided
During Repairs

What Does Standard PC Car Insurance Coverage Look Like?

PC works hard to ensure its customers receive the coverage they need. Their standard insurance policy includes coverage that is required by law, including:

  • Liability
  • Accident Benefits
  • Uninsured Motorist Coverage

These three forms of coverage will protect you from being responsible for damages caused to others, harm to yourself or passengers, and if you are hit by an uninsured motorist or by a hit-and-run driver.

Direct Compensation Damage

Direct compensation for damages coverage is only available in Ontario, where it is required by law. The coverage will cover your vehicle if you are found to be not at fault or partially at fault.

Optional PC Car Insurance Options

Presidents Choice offers a couple of elective insurance options, which customers can add to their standard policy at an additional cost. These optional forms of coverage can cover you from risks not covered by a standard insurance policy.

Comprehensive coverage protects drivers from risks other than a collision with another vehicle. They will cover drivers for things such as fire, theft, and vandalism. Comprehensive coverage will cover you if you are found at-fault or partially at-fault.

Collision coverage will cover the cost of repairing your vehicle if it was involved in a crash with another vehicle, and upset coverage covers your vehicle if it was involved in a rollover. Collision coverage covers fewer optional risks than comprehensive coverage. However, it is generally cheaper than comprehensive coverage.

How PC Calculates Insurance Rates

PC offers a transparent guide to how they calculate insurance rates. They calculate rates based upon factors including:

  • Type Of Vehicle
  • Location
  • Average Miles Driven
  • Driving Record
  • Deductible Limits

Find Cheap Insurance with A PC Discount

PC bills itself as a quality insurance provider, offering discounts so drivers can get value out of their insurance. The combination of discounts and a high level of coverage make PC a desirable insurance provider.

Bundling Policies

Bundling home and auto insurance is a simple way to save on insurance premiums. It can save up to fifteen percent, with PC offering discounts for bundling multiple vehicles.

Claims-Free Discount

You can get a discount for going a period of time without filing a claim. PC will discount you for not filing a claim with your old insurance provider or being claims-free on your existing PC insurance policy.

Safe Driver Discount

PC offers discounts for being a safe driver. You can get a discount for:

  • Going A Period Of Time Without A Traffic Citation
  • Having No Convictions on your Driving Record
  • Having Attended Driving School
  • Being A College Student Or Graduate
  • Graduating To A G License (While Under 25)

Safe Vehicle Discount

PC will give you a discount for driving a safe car and doing certain things to make your car safe.  You can get a discount for:

  • Using Winter Tires
  • Installing An Anti-Theft Device

Retiree Discount

Both retirees and senior citizens are eligible for a discount. PC will give you a discount on your existing policy when you retire.

Save With PC Points

PC is known for its extensive financial service operations, and you can save by using one of its credit products to pay your premiums. PC has a credit card where you can get twenty reward points for using the card to pay your premiums. Their bank card will give you ten reward points. You can use your PC points to get cash-back rewards and air miles.

What Other Insurance Products Does PC Offer?

PC Insurance offers discounts of up to 25~35% to PC Optimum membership holders. Every product is adjustable for clients’ needs. Below are the insurance products other than auto insurance products provided by PC:

PC Insurance’s Motorcycle Insurance policy is easy to apply for. You need your vehicle and driver’s license ownership, so get a quote and finalize everything in one call. With this simple process, you will be covered by your liability. PC will also provide you with accident benefits if you have an accident. You can also choose collision and comprehensive coverages as optional if you want full protection from theft and damage. You can also consider bundling this plan with Home Insurance for another 25% discount.

With basic coverage for home, personal properties, personal liability, and additional living expenses, PC offers customized coverage to their clients. This will protect your home from theft, vandalism, natural disasters, water damage, explosions and vehicle impacts. The plan will also cover everything from bicycles to high-value jewelry. You can also consider bundling this plan with Motorcycle insurance for another 25% discount.

For the renters, PC Insurance protects damaged or stolen items caused by certain events like fire, theft or vandalism at your rented property. It will also support you financially if your guest or someone in your rented property gets injured. Since some places ask their tenants to get tenant insurance, PC Insurance’s tenant insurance can be a great choice if you are a member of PC Optimum.

How To File A Claim With PC Insurance

PC makes it simple to file a claim through their hotline. Their agents can help you determine what information you need to submit. They will also inform you when you can expect to hear back from them, and they give an accurate estimate of how long it will take to complete the claims process.

Email

You can contact them at anytime 24/7

Message

Contact by phone

Feel free to contact the team by phone

1-877-251-8656

Website

File a claim by visiting the Millennium website

Visit Website

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