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RBC Insurance: Auto & Home Insurance

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What is RBC Insurance?

RBC (Royal Bank of Canada) is one of the big five banks in Canada and offers personal and commercial banking services, along with a full range of investment options. Its subsidiary, RBC Insurance also offers a wide variety of insurance products, including auto insurance, home insurance, life insurance, and travel insurance.

RBC car insurance

RBC Insurance offers several optional enhancements, so you can purchase a customized auto insurance policy that suits all your needs.

RBC car insurance optional coverages

Aside from the mandatory provincial requirements for your auto insurance, RBC also offers various optional coverages, including:

Optional coverage



Protects you in the event your vehicle is lost or damaged for non-collision related reasons (e.g. natural disaster, fire, theft).


Covers the expenses involved in repairing or replacing a car that’s been in an accident or otherwise damaged while driving.

Specified perils

Covers you from particular risks listed on your policy, such as theft, fire, and windstorm.

All perils

A combination of both comprehensive and collision insurance, plus increased protection against theft.

Family protection 

Provides increased coverage in the event you and your family members are injured by an uninsured driver. 

Waiver of depreciation 

Prevents RBC from factoring in vehicle depreciation for claims made within the first 2 years.

Loss of vehicle use

Compensates you for the cost of alternate transportation (e.g. taxi, rental car) while your vehicle is being repaired or replaced.

Accident protection

Protects your clean driving record and keeps your rates low for your first at-fault collision.

Satellite program 

A program for emergency roadside and driver assistance, including features such as towing, flat tire maintenance, and fuel delivery.

Compare car insurance quotes to find your lowest rate

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RBC home insurance

With RBC home insurance, you can customize your policy with the company’s various optional coverages, so you can better protect your property.

RBC home insurance optional coverages

On top of your basic home insurance coverage, RBC also offers various optional add-ons to protect your property, including:

Optional coverage


Sewer back-up

Protects you financially against basement water damage due to sewer backup.

Overland water

Protects you financially from overland water flooding due to changing weather patterns. 

Scheduled personal articles

Increased insurance limits for any expensive contents (e.g. bike) listed in your policy.

Increased jewellery

Increased contents coverage to protect your jewellery against theft. 

Home business extension 

Insures stock or business equipment stored in your home. 

Glass breakage deductible form

Reduces your deductible for claims due to broken glass (e.g. storm door, window).


Protects your home financially against loss and damages due to an earthquake. 

Home repair bundle

Prevents small home repair claims from counting on your policy and impacting future claims-free discounts. 

Identity theft

Covers the costs incurred as a result of identity theft (e.g. legal fees, lost wages). 

Compare home insurance quotes to find your lowest rate

In under five minutes, compare personalized home insurance quotes from Canada’s top providers, free of charge.

Frequently asked questions on RBC Insurance

Where is RBC Insurance available?

Can RBC cancel my car insurance?

How do I submit an RBC Insurance claim?

Is RBC Insurance good?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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