Bundling Auto and Home: RBC vs TD vs Intact Insurance Deals – how major insurers’ multi-policy discounts compare.

With inflation squeezing household budgets and insurance premiums creeping higher, more Canadians are looking for ways to save money on their car and home insurance. One of the most effective ways? Bundling your policies with a single provider.

But when it comes to bundling with RBC, TD, or Intact, which company offers the best value, service, and digital convenience? Let’s break it down and find out who really delivers the best multi-policy insurance deals in Canada.

How Much Can You Actually Save?

Bundling your home and auto policies under one roof typically saves you between 10% and 20%, depending on the provider, your province, and your insurance history.

RBC Insurance claims you can save up to 15% when you combine your car and home coverage. Plus, you get one deductible if a single event damages both your home and vehicle. Learn more on the RBC Bundling Page.
TD Insurance promotes its Bundle & Save program, which not only gives you discounts but also simplifies renewal dates and billing. According to TD Insurance, customers can save hundreds annually through bundling.
Intact Insurance offers up to 20% savings with its multi-policy bundle. What’s unique here is the My Drive™ app, which can add even more discounts for safe driving habits.

What’s Actually Included in the Bundle?

All three providers allow bundling of homeowners or condo insurance with auto coverage, but the fine print matters:

RBC bundles come with optional add-ons like identity theft protection, and combining policies helps if you’re already an RBC banking customer.
TD simplifies everything with a single policy document and offers optional extras like roadside assistance and extended water coverage.
Intact stands out with customizable coverages, especially for high-value homes or vehicles.

Digital Tools & User Experience

Ease of managing policies online can save more than just money — it saves time and stress.

RBC’s portal integrates with your online banking dashboard, making it ideal if you’re already an RBC customer.
TD offers the TD Insurance app, letting you file claims and view policy info on the go.
Intact leads with a sleek user interface and My Drive™, which adds usage-based discounts.

If tech is important to you, Ratehub has a great comparison table for digital tools among top insurers.

Eligibility, Exclusions & Fine Print

Not all Canadians will qualify for the full bundling discount. Factors include:

Province of residence (some policies differ in Quebec vs Ontario)
Claims history or type of dwelling (e.g., condo vs detached home)
Credit score and driving record

Customer Service & Claims Support

Claims are where bundling either makes your life easier or harder.

RBC has a strong reputation for streamlined support across both policies when a single event affects both car and home.
TD Insurance offers 24/7 claims lines and decent turnaround times based on InsurEye reviews.
Intact customers consistently praise fast, reliable claim handling — especially for weather-related home claims.

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