Guaranteed Lowest Home and Car Insurance Rates

Guaranteed Lowest Home and Car Insurance Rates

Buying Insurance is as Easy as

Get Your Online Quote

Answer a few questions — with no complicated insurance jargon — and we’ll generate a guaranteed quote. Plus, you’ll receive 500 Hudson’s Bay Rewards points.

Select Your Coverage 

We’ll present you with our insurance recommendation, but there are always options. You have the ability to adjust the coverage or choose another plan.

Checkout

Pay premiums with a credit card or set up an automatic bank withdrawal. Remember, there are never any surprise fees at checkout — you only pay what was quoted.

Bringing you the best coverage and services for your home and car insurance needs

Home and Car Insurance From

Protect Your Home

Home, condo and tenant coverage
Add home coverage options you want
Transparent pricing on coverage options
Protection against water damage and sewage backups

Customized Car Coverage

Mulligan on at-fault claims with accident forgiveness
Automatic multi-vehicle and winter tire discounts
 Rental vehicle coverage insures you for short-term rentals in Canada and the United States
Protect your rates with minor conviction protection coverage

Save up to 50% on home insurance and up to 18% on car insurance when you bundle your policies.

GET A CAR INSURANCE QUOTE

We guarantee that the price you’re quoted is the price you pay, so you’ll always know what to expect at checkout.

GET A HOME INSURANCE QUOTE

We guarantee that the price you’re quoted is the price you pay, so you’ll always know what to expect at checkout.

Hudson's Bay Rewards Points

Points Earned

HUDSON’S BAY
GIFT CARD VALUE

Provide Your Expiry Date

500

N/A

Get a Quote (Auto Insurance)

1,250

N/A

Get a Quote (Home Insurance)

750

N/A

Enrollment

2,000

$10

Renewal (Annual) – Combined Home and Auto

4,000

$40

NOT READY FOR A QUOTE?

Provide us with your annual insurance renewal date and we’ll notify you about better rates.

Plus, you’ll receive 500 Hudson’s Bay Rewards points.

WHO IS 

aha insurance customers are serviced by Ignite Services Inc. With headquarters in Waterloo, which is part of Canada’s technology triangle, their services are leading a new era of digital-insurance. More than an innovator in product-delivery, Ignite Services Inc., has over two-centuries of combined industry experience, and members who have spent two decades listening to the changing needs of Ontario’s insurance customers.

 

DID YOU KNOW

Did you know that a clean driving record can lower your premiums? When purchasing or leasing a vehicle, choose your car wisely, review your coverage and ask about discounts when you bundle your insurance plans.
Earn 1,250 Hudson’s Bay Rewards points when you obtain an auto insurance quote, and 750 points for a home insurance quote; earn 500 points when you provide your expiry date; and earn 4,000 points when you renew your combined home and auto insurance policy and use a valid Canadian-issued credit card to pay for your premiums. aha insurance is serviced by Ignite Services Inc.

Latest Home and Car Insurance Articles

Mental Health Is as Important as Physical Health

  • Posted by hbfs
  • On May 1, 2019
Just like physical health, mental health should be a priority for every Canadian. Unfortunately, there’s still a stigma attached to mental health that prevents people from seeking treatment. Mental Health Week — now in its 86th year — aims to raise awareness and break down barriers to help the thousands of Canadians who suffer from […]
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How to Cover Credit Card Payments while Laid Off

  • Posted by hbfs
  • On March 28, 2019
Many Canadians pay for everyday expenses with their credit card and, unfortunately, often carry a significant balance forward. If you get laid off, your credit card payments are still due—and it can be difficult to make even the minimum required payment, let alone pay off the whole balance. With Life, Disability and Income (LDI) Insurance, […]
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Undertake a Financial Review at Tax Time

  • Posted by hbfs
  • On March 21, 2019
Many Canadians are getting ready to submit their tax returns before the April 30 deadline. Since all of your financial information is already out and in one place, this is also the perfect time to undertake a financial review. Your annual analysis should include assessing financial goals and creating a budget, checking your credit history […]
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Unmarried Couples Need Insurance

  • Posted by hbfs
  • On March 14, 2019
According to the latest census data, the number of common-law unions is increasing, accounting for one-fifth of couples in the country.1 Even though many people are happy to live together without making it official, it’s still important for unmarried couples to have proper insurance coverage.
Read More

Be Financially Prepared for a Spring Break Accident

  • Posted by hbfs
  • On March 7, 2019
Many Canadian families travel during spring break; however, few people plan on getting injured. A spring break accident can not only alter your vacation plans but also affect your ability to return to work.
Read More

Three Types of Insurance Coverage in One Product

  • Posted by hbfs
  • On February 28, 2019
Life, Disability and Income Insurance through Hudson’s Bay Financial Services is a unique insurance solution because it includes three benefits in one convenient product. With a single affordable monthly payment, you can receive life insurance coverage and disability and income benefits to help you maintain some financial security in the face of the unexpected.
Read More

Manage a Layoff with Income Insurance

  • Posted by hbfs
  • On February 21, 2019
Often, involuntary job loss comes as a surprise. If you’re not prepared, the sudden loss of a steady paycheque can make it difficult to meet your financial obligations. That’s why it’s extremely important to ensure you have adequate insurance coverage — even if you currently feel secure in your job. You can successfully manage a […]
Read More

Non-Work-Related Injuries on the Rise

  • Posted by hbfs
  • On February 14, 2019
A recent Canadian Community Health Survey administered by Stats Can found that while workplace injuries were on the decline, non-work-related injuries were steadily increasing.1 This trend suggests that we have a greater chance of hurting ourselves outside of working hours, yet a non-work-related injury can still prevent you from being able to fulfill your job […]
Read More

Buy Life Insurance to Protect Your Loved Ones

  • Posted by hbfs
  • On February 7, 2019
Discussing insurance needs is not something most people enjoy, and it’s definitely not a topic people want to broach on a holiday centred on love and romance. However, Valentine’s Day is the perfect opportunity to assess and buy life insurance to ensure that your loved ones are protected in case of the unexpected.
Read More

How to Prepare for a Potential Recession

  • Posted by hbfs
  • On January 24, 2019
There’s been some speculation that Canada could experience a potential recession in the coming year. It can be alarming to consider the effects of a downturn, but with some advance planning, you can help keep your finances in order during economic uncertainty.
Read More

Why Life, Disability and Income Insurance is Unique

  • Posted by hbfs
  • On January 17, 2019
Life, Disability and Income Insurance is a unique product for three reasons. First, it’s the only product on the market that offers true income insurance, paying a benefit for involuntary job loss. Second, it combines three types of insurance coverages into one policy. Third, benefits are paid directly.
Read More

Taking the Stress Out of Unemployment

  • Posted by hbfs
  • On January 10, 2019
Not being able to work due to layoff can significantly strain your finances. If you don’t have the savings to sustain yourself and your family through periods of unemployment, you have to look for other ways to cover your expenses.
Read More

Disability Insurance Is for Everyone

  • Posted by hbfs
  • On December 26, 2018
Purchasing disability insurance allows you to gain some financial security in case you need time off from work to recover from an accident or illness. The monthly payment can help cover mortgage or vehicle payments or can even be used to pay for recovery treatment. Some people believe they only need to buy disability insurance […]
Read More

Unemployment Benefit Can Cover Bills While Looking for a New Job

  • Posted by hbfs
  • On December 20, 2018
Hudson’s Bay Financial Services offers a unique product to Canadians that provides a monthly benefit for involuntary job loss. Currently, no other product offers unemployment benefits when you lose a job due to layoffs, restructuring or company closure. Life, Disability and Income (LDI) Insurance pays a monthly benefit — for up to six months — […]
Read More

Easily Buy Disability Insurance Online

  • Posted by hbfs
  • On November 29, 2018
Hudson’s Bay Financial Services offers a unique income protection plan that is different from the other disability insurance products on the market. Our Life, Disability and Income Insurance includes not only disability and loss of employment insurance but also life insurance. This product can help you cover debt payments and other expenses if you lose […]
Read More

Flexible Income Protection to Cover Credit Card Payments

  • Posted by hbfs
  • On November 22, 2018
In Canada, more than 74 million Mastercard and Visa cards are in circulation,1 so it’s safe to assume that many people are using credit in one way or another. Some Canadians might use credit as a form of borrowing (paying for items they cannot afford), while others use credit as a form of payment (an […]
Read More

Income Protection and Work Benefits

  • Posted by hbfs
  • On November 15, 2018
Canadian employers aren’t required by law to offer employee benefits beyond contributing to Employment Insurance and the Canada Pension Plan. To attract and retain workers, however, they have the option to offer additional work benefits such as paid vacation, health insurance, disability insurance and life insurance.
Read More

Workplace Stress Can Affect Mental Health

  • Posted by hbfs
  • On November 8, 2018
According to the Mental Health Commission of Canada, about 500,000 employees are unable to work each week due to mental health issues. Workplace stress is identified as a key contributing factor to declining mental health, especially as it relates to anxiety and depression.1 To help reduce the ill-effects of workplace stress and the toll it […]
Read More

Income Protection 101

  • Posted by hbfs
  • On November 1, 2018
Life, Disability and Income Insurance — a unique product offered through Hudson’s Bay Financial Services — can help protect your paycheque in the event of a disability. Should you experience involuntary job loss, Life, Disability and Income Insurance can also help you meet your financial obligations while searching for work.
Read More

How to Set Up a Proper Workstation

  • Posted by hbfs
  • On October 25, 2018
The workplace has changed drastically in the past few decades. Most businesses rely on digital devices, and the Internet is found in almost every workplace. As a result, many people now spend their workdays sitting at a desk behind a computer. While these advances might make business easier, they can take a toll on employees. […]
Read More

Make Insurance Part of Your Financial Planning

  • Posted by hbfs
  • On October 18, 2018
An important — but often overlooked — component of financial planning is preparing for the unexpected with insurance. It’s not pleasant to think about, but many Canadians will find themselves in a situation where they’ve lost their job, are unable to work due to a disability or injury or lost a loved one who contributed […]
Read More

Repetitive Strain Injury Can Cause Missed Work

  • Posted by hbfs
  • On October 11, 2018
Workplace injuries are often associated with hard labour and accidents, but millions of Canadians suffer from repetitive strain injuries1 that could cause them to miss work. These types of injuries generally affect tendons, muscles, nerves and joints and can range from mild symptoms of discomfort to debilitating pain.2
Read More

What Happens When You Come Home with a Vacation Injury?

  • Posted by hbfs
  • On September 27, 2018
Out-of-country travel by Canadians reached record highs in March this year as more than 1 million Canadian residents came home from overseas.1 Travelling can provide a much-needed break from the everyday stress of life, but what happens if you return with a vacation injury?
Read More

Home Renovation Safety Tips

  • Posted by hbfs
  • On September 20, 2018
Canadians are big on renovating their homes. While renovations add value to our homes, unfortunately, they are also a common source of injury. An injury-causing accident at home can lead to time off work, reduced income and unexpected recovery costs.
Read More

Canadian Premier Is Not an Average Insurance Company

  • Posted by hbfs
  • On September 13, 2018
Canadian Premier has been protecting Canadians with affordable and innovative products since 1955. For more than 60 years, their focus has been their customers. From developing insurance products that fit the needs of Canadians to delivering great customer service, their philosophy is built on trust, reliability and flexibility. That’s why they have over 2 million […]
Read More

Financial Protection from Job Loss or Injury

  • Posted by hbfs
  • On September 6, 2018
An unfortunate fact of the modern job market is that many Canadians have precarious employment and financial instability — this is the new normal. In 2018, nearly half of all Canadians are within only $200 of not being able to fulfill their financial obligations at the end of every month. The same percentage of people […]
Read More

Introducing Canadian Premier’s Life, Disability and Income Insurance

  • Posted by hbfs
  • On August 30, 2018
Almost half of all Canadians live paycheque to paycheque.1 If they miss even one pay period, they will find it difficult to meet all their financial obligations. With this startling statistic, it’s no wonder Canadians can feel overwhelmed by the prospect of losing their source of income and falling behind on bills. However, with Canadian […]
Read More

Canadian Premier Provides Innovative Products for the Modern Canadian Family

  • Posted by hbfs
  • On August 23, 2018
Hudson’s Bay Financial Services is proud to announce a new relationship with Canadian Premier Life Insurance Company. This Canadian-based company is continually striving to bring innovative products to the market, and we’re pleased to launch their new, flexible and Canadian-exclusive Life, Disability and Income Insurance.
Read More