Direct Offering
Costco Canada does not issue auto insurance policies itself. The warehouse club does not act as an insurance carrier, so members cannot purchase a standard auto insurance product directly from Costco stores or the Costco.ca website.
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Partner Programs
Instead, Costco Canada partners with licensed insurers—most notably, the Canadian arm of American Family Insurance and other regional carriers—to provide members with discounted rates and exclusive plans. These partner programs are marketed through Costco's membership communications and can be accessed by contacting the insurer directly or using a special referral link on Costco's online portal.
How Members Access Coverage
Members who are interested in auto insurance should log into their Costco.com account, navigate to the "Insurance" section, and follow the prompts to request a quote from the partner insurer. The process typically involves providing vehicle details, driving history, and personal information, after which the partner insurer supplies quotes and policy options. Costco does not handle claims or underwriting; those responsibilities remain with the partner insurer.
Benefits of Using Costco's Partner
Choosing a partner insurer through Costco can yield lower premiums, additional coverage options, and sometimes bundled discounts with other Costco services like home or travel insurance. Because the partnership leverages Costco's large membership base, insurers often extend price advantages not widely available to the general public.
Key Considerations
- Verify the insurer's licensing and reputation in your province.
- Compare the Costco‑partner quote with other market offers to ensure you receive the best value.
- Understand that Costco's role is limited to referral; all policy terms, claims handling, and customer service are provided by the insurer.