How to Report a Claim

No one wants to suffer a loss but, if it happens, here are some guidelines to follow:

  • First, contact your agent or broker. They will assist you in filing your claim.
  • If your agent or broker is not available, you can contact us from anywhere in Canada or the Continental United States using our toll-free:
    • 24-hour claims response line at 1-800-268-3069.
    • This number is available 24 hours a day, 7 days a week.
  • If you have suffered a loss, please contact us by telephone for prompt claims service. To ensure personal service of your needs, we ask that you do not contact us by email.

Information that you should have available for an automobile loss

  • Names, addresses, telephone numbers, insurance companies and policy numbers of all parties involved
  • Name, badge number and police force of investigating officer(s), if reported to police
  • Addresses and telephone numbers of any witnesses
  • Address and telephone number of the location of your vehicle, if towed

Insurance Crime

Insurance crime is estimated to cost Canadians several billions of dollars a year in insurance premiums and health care, emergency services and court costs. Sometimes it's the work of organized groups or gangs that stage collisions or coordinate the shipping of stolen vehicles overseas.

Here are some red flags that could suggest a staged collision:

  • A low-speed impact with little damage to the vehicles involved and multiple occupants in each vehicle claiming soft tissue injuries.
  • An auto-insurance policy that was recently issued.
  • Conflicting descriptions by those at the scene about how the accident took place.
  • A tow truck is almost immediately on the spot.
  • Someone at the scene suggests a repair facility, clinic or other service provider.

Information that you should have available for a property loss

  • Address and telephone number where you can be contacted
  • Details of the claim
  • Your policy number
FIND AN AGENT/BROKER CONTACT US
“ …the Inspector spoke to both Tom and I about the oil tank. What a difference in inspection!! She actually EXPLAINS things so that you can understand. She was very professional, yet personable as well. We are VERY pleased to have switched insurance companies. We only ask ourselves - Why didn't we do it sooner!!! ”

Sandy

LOSS PREVENTION TIPS

Insurance and loss prevention go hand in hand. We are owned by our policyholders and our primary goal is to help our policyholders.
Loss prevention is an important part of that help.

Lightning

Lightning

In addition to the rain we receive, and sometimes even the snow, Mother Nature occasionally gives us a light and sound show in the form of lightning and thunder. Each year, lightning strikes cause damage to telephones, television sets, computers and other electronic devices. With more homes acquiring expensive computers and home theatre equipment, lightning is responsible for greater numbers of claims and greater claim values.

You can do something to prevent lightning from damaging your computers, televisions and other high-end electronic equipment. A good quality "power bar" will provide both lightning and surge protection. Surge protection is different than lightning protection. Many power bars provide surge protection but not lightning protection. Be sure to read the information about a product before you buy. Another option is a "UPS" or Uninterruptible Power Supply. In addition to providing both lightning and surge suppression, these devices regulate the power in a brownout or blackout. Your computer equipment may or may not be covered under your insurance policy for damage caused by voltage fluctuation (consult with your Agent or Broker if you're not sure), but your data will not be. A UPS, properly sized for your equipment, will allow you to safely save your data and shut down your computer during a power outage.

If you have electronic equipment you'd like to protect, consult with your local electronic or computer shop for details about power protection devices. A good-quality power bar could cost $30 or $40. Without one, a lightning strike could cost you your deductible - $300 or more.