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Filing a car or recreational vehicle claim

Been in a collision? We're here to help.

Go to your Client Centre account to submit and track your car claim.

You’d rather speak to someone?
1 800 461-0770
24 hours a day, 7 days a week

Get roadside assistance
1 866 671-2049

Filing a claim step by step

Start by making sure everyone is okay. That’s the most important thing. When you’re ready, these are the steps:

  • Report

    You’ll need your insurance policy number. We’ll start a file and walk you through the next steps.

  • Damage appraisal and claim assessment

    We need to determine your liability, the damage to your car, whether it can be repaired and, if so, the cost of repairs.

  • Your settlement in clear terms

    Based on your coverage, we determine the exact amount of your settlement.

  • Time for repairs

    Depending on the settlement and the repair shop’s preference, we’ll either pay the shop directly or send you a cheque by mail. Don’t wait to have any emergency repairs done that are necessary for your safety. Just hold on to your receipts.

    See our list of approved auto repair and body shops.

  • We keep you posted so you know what’s going on every step of the way.

    You don’t have to check your claim’s status every day. Rest assured that you’ll be notified about important decisions and information.

Fire, theft or vandalism? We’re here to guide you.

Go to your Client Centre account to submit and track your car claim.

You’d rather speak to someone?
1 800 461-0770
24 hours a day, 7 days a week

Filing a claim step by step

Take a deep breath. If you are reading this, you’re probably not in a good place right now. We hope no one is injured and we’re here to help. Here are the steps to follow:

  • Contact emergency services

    Your first step is to call the police and, if necessary, the fire department. Keep the police report number, you’ll need it when you file your claim.

  • Then get in touch with us

    We’ll open a file and walk you through the next steps. You’ll need to have the following information handy:

    • Your insurance policy number
    • The police report number
    • The location where the incident took place
    • If applicable, the contact information of witnesses and the tow truck driver, and address to where the vehicle was towed.
  • Damage appraisal and claim assessment

    We need to determine the nature of the damage to your car, whether it can be repaired and, if so, the cost of repairs. If your vehicle was stolen, we will assess its replacement value.

  • Your settlement in clear terms

    Based on your coverage, we determine the exact amount of your settlement. If your car can’t be repaired, we will compensate you based on its value and the terms set out in your contract.

  • Time for repairs

    Depending on the settlement and the repair shop’s preference, we’ll either pay the shop directly or send you a cheque by mail. Don’t wait to have any emergency repairs done that are necessary for your safety. Just hold on to your receipts.

    See our list of approved auto repair and body shops.

  • We keep you posted so you know what’s going on every step of the way.

    You don’t have to check your claim’s status every day. Rest assured that you’ll be notified about important decisions and information.

Broken car window? Let’s get that taken care of quickly.

Go straight to the glass repair shop. No need to call us; the shop will send us the information we need.

Find an approved glass repair shop

Contact one of our approved glass repair shops directly. Don't put off repairs or replacement, a damage-free windshield could save your life in an accident. Furthermore, if the glass can be repaired, you won’t have to pay a deductible.

Trouble with your recreational vehicle? We're here for you.

If you’ve had an incident with your motorcycle, ATV, snowmobile, trailer or boat, go to your Client Centre account. You can track your claim, access your insurance file and view your settlement.

To file a claim
1 800 461-0770
24 hours a day, 7 days a week

Filing a claim step by step

Whether you’ve had an accident or suffered a loss, we’re sorry this had to happen to you. The first thing to do is make sure everyone is ok, you included. That’s the most important thing. When you’re ready to start a claim, here are the steps to follow:

  • Report

    You’ll need your insurance policy number. We’ll start a file and walk you through the next steps.

  • Damage appraisal and claim assessment

    We need to determine your liability, the damage to your recreational vehicle, whether it can be repaired and, if so, the cost of repairs.

  • Your settlement in clear terms

    Based on your coverage, we determine the exact amount of your settlement.

  • Time for repairs

    Depending on the settlement and the repair shop’s preference, we’ll either pay the shop directly or send you a cheque by mail. Don’t wait to have any emergency repairs done that are necessary for your safety. Just hold on to your receipts.

  • We keep you posted so you know what’s going on every step of the way.

    You don’t have to check your claim’s status every day. Rest assured that you’ll be notified about important decisions and information.

Psychological support after an accident or loss

After an accident, it’s normal to want to talk about it.

We offer free psychological support to all our insureds after an accident or loss. These overwhelming experiences can be profoundly traumatic and affect our mental health. Don't hesitate to ask for help if you need it.

More questions about claims? We’ve got more answers.

When a deductible applies, is it deducted from the indemnity amount. If your vehicle can be repaired, you pay the deductible to the repair shop you’ve chosen for your vehicle.

Changes in insurance premiums at renewal are affected by several factors, such as where you live, vehicle usage, vehicle type, and your driving record. Your record includes an accident history, which includes losses other than collisions. It’s the number of claims in the five years prior to renewal (and not the amount paid in claims) that has an impact on the premium.

If your claim is for a windshield repair, in most cases it won't affect your premium.

Yes, you can choose which shop repairs your vehicle. If you need help choosing, we work with a network of approved auto repair and body shops that can assess the damage and carry out the needed repairs.

See our list of approved repair and body shops.

Assistance services

Roadside Assistance

We're just around the corner, 24/7, anywhere in Canada and the United States.