Terms & Conditions

These are the general terms and conditions governing the AIR MILES® Base Offer for both personal home and auto insurance policies, pleasure craft insurance policies and Commercial Insurance policies.

For additional terms and conditions relating to the AIR MILES Base Offer for personal home and auto insurance policies, see Section A. For additional terms and conditions relating to the AIR MILES Base Offer for Commercial Insurance policies, see Section B. For additional terms and conditions relating to the AIR MILES Base Offer for pleasure craft insurance policies, see Section C.

  1. You must be registered as an AIR MILES Collector in order to get AIR MILES Reward Miles. To become an AIR MILES Collector, visit airmiles.ca to join the AIR MILES Reward Program.

  2. Customers may get AIR MILES Reward Miles by registering at rsagroup.ca and entering a valid AIR MILES Collector Number, a valid RSA insurance policy number and a valid policy effective date. Upon renewal of your policy, your Collector Number will automatically be regenerated, entitling you to AIR MILES Reward Miles based on the premium of the renewal policy. You do not have to re-register for AIR MILES Reward Miles unless it is a new policy number.

  3. AIR MILES Reward Miles will begin to accumulate once you have an eligible policy and have registered with RSA as an AIR MILES Collector. A customer can enroll at any time during the policy term, but Miles will not be issued retroactively. Therefore, if you have an eligible policy that is effective January 1, 2019 and enroll as a Collector on February 1, 2019, you will begin to get Miles in the month of February.

  4. Policies serviced by RSA for the Facility Association or Residual Market are not eligible for AIR MILES Reward Miles.

  5. Only one AIR MILES Collector Number per policy is eligible for AIR MILES Reward Miles. The name on the AIR MILES Card does not need to match the name on the policy.

  6. Your entitlement to AIR MILES Reward Miles may vary from month to month based on changes made to the total amount of premium of your policy, but we will not require eligible customers to return previously issued AIR MILES Reward Miles.

  7. AIR MILES Offer is subject to change or may be terminated at any time and without notice.

  8. AIR MILES Reward Miles will be deposited to your Collector Account(s) within 6–8 weeks following the date that you register your AIR MILES Collector Number.

  9. All policyholders must be in good standing with Royal & Sun Alliance Insurance Company of Canada or Western Assurance Company, as the case may be, on the date of enrollment for AIR MILES Reward Miles.

  1. Starting June 1, 2007, AIR MILES® reward miles will be issued on eligible policies of Royal & Sun Alliance Insurance Company of Canada and Western Assurance Company on the basis of 1 AIR MILES® reward mile for every $20 of premium, including applicable taxes.
  2. An eligible policy is a personal home or auto insurance policy underwritten by Royal & Sun Alliance Insurance Company of Canada or Western Assurance Company, which policy is valid on or after June 1, 2007.
  3. The offer of AIR MILES® reward miles is only available to eligible customers in the Provinces of British Columbia (on property insurance only), Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador, and Prince Edward Island and the Territories of Yukon, Nunavut and the Northwest Territories.
  4. The total number of AIR MILES® reward miles earned each month will be determined on a monthly basis by dividing the total premium of an eligible policy (including taxes but excluding administrative fees) by the number of months in the term of the policy; this amount will then be divided by 20 and rounded down to the nearest whole number to determine the number of AIR MILES® reward miles to be credited to your Collector account that month. In the event that the premium for an eligible policy is less than $20, a minimum of 1 AIR MILES reward mile shall be issued in respect of such eligible policy. No fractional AIR MILES® reward miles will be earned or carried forward. Therefore, $78 will earn you 3 AIR MILES® reward miles, while $82 will earn you 4 AIR MILES® reward miles.

  1. Starting October 1, 2007, AIR MILES® reward miles will be issued on eligible policies of Royal & Sun Alliance Insurance Company of Canada on the basis of 1 AIR MILES® reward mile for every $20 of premium, including applicable taxes.
  2. An eligible policy is a Commercial Insurance commercial property, liability, commercial auto, equipment breakdown insurance policy or a farm insurance policy underwritten by Royal & Sun Alliance Insurance Company of Canada, which policy is valid on or after October 1, 2007.
  3. The offer of AIR MILES® reward miles is only available to eligible customers in the Provinces of British Columbia (excluding commercial auto insurance), Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador, and Prince Edward Island and the Territories of Yukon, Nunavut and the Northwest Territories.

  1. Starting April 1, 2013, AIR MILES® reward miles will be issued on eligible policies of Royal & Sun Alliance Insurance Company of Canada on the basis of 1 AIR MILES® reward mile for every $20 of premium, (including applicable taxes) up to a maximum of 15 reward miles per month.
  2. An eligible policy is a Pleasure-Craft Insurance policy underwritten by Royal & Sun Alliance Insurance Company of Canada, which policy is valid on or after April 1, 2013.
  3. The offer of AIR MILES® reward miles is only available to eligible customers in the ‘Toronto Service Area’ – this includes all policies managed through Coast Underwriters - Toronto only. Our broker service area includes Ontario, Manitoba and Quebec, plus specified brokers in Alberta.

These Terms and Conditions are subject to change without notice.
When you register for AIR MILES, you provide us with contact data, including your name and a valid email address. We use this data to send you updates about new and exciting offers and services that your Broker and RSA are offering that may interest you. When you register for AIR MILES, you acknowledge that you may receive subsequent emails from your Broker and RSA about new and exciting offers and services that your Broker and RSA are offering that may interest you. If you wish to no longer receive emails of this kind, you can simply click “unsubscribe” in the bottom footer of the email.

For questions about AIR MILES, or your Account(s), or to browse Rewards and many self-serve options including Order Cards and Missing Miles inquiries, visit airmiles.ca.

If you have any questions about your RSA or Western Assurance Company policy (e.g. renewal date, coverage, deductibles, claims, etc.) or your entitlement to AIR MILES® Reward Miles, please contact rsagroup.ca or 1 888 877 1710.

Not available in Manitoba or Saskatchewan.

®™ Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Roins Financial Services Limited.