Complaint Procedures

For Home and Auto Service and Sales

STEP 1 Resolve the Problem at the Source

When you have a concern, we recommend that you start at the source. Speak to the representative of the department involved, for example: your broker, adjuster, underwriter, sales representative, etc. If you are not satisfied, ask to speak to a manager or a supervisor. It is usually quicker and easier to check the facts and find a solution at the point where the problem occurred.

Gather the facts

To speed up the process, we recommend that you have all relevant information handy prior to contacting us. The information needed includes:

• details of your complaint including your policy and/or claim numbers;
• any supporting documents and important dates; and
• the names of any employees you have dealt with.

Step 2 Contact the Customer Experience Team

If your complaint is not resolved after completing Step 1, you can escalate the matter to our Customer Experience Team.

What you can expect

• A Customer Experience Agent will speak with you to obtain relevant information and assign your file to a Customer Relations Representative for review.
• A Customer Relations Representative will contact you about your concerns.
• The Customer Relations Representative can give you an estimated time frame required to review your file.
• The Customer Relations Representative will conduct a thorough review of your file and the concerns you have raised and then provide you with a clear response explaining Intact Insurance’s position on the matter. Any further action that can be taken with respect to your concern will be discussed with you and/or forwarded to you in writing.

You may reach the Customer Experience Team in the following ways:

By mail:
Belair Insurance Company/Customer Experience Team
2255 Sheppard Ave East, Suite 400,
Toronto, ON
M2J 4Y1

By email: customer.experience@service.scotiainsurance.com
By telephone: 1-866-405-6763

STEP 3 Contact the Ombudsman’s Office

If you remain dissatisfied after speaking to the Customer Experience Team, you may escalate your concerns to the Ombudsman’s office for an independent review. Please note that the Ombudsman’s office will not review a complaint that has not gone through Steps 1 and 2 above first.

Any complaint escalated to the Ombudsman’s office should be made in writing.

Please include the following information when escalating your complaint:

• summary of your complaint;
• list of all unresolved concerns;
• the reason your concerns have not been resolved at Steps 1 and 2 above;
• any documentation and information that you would like to have reviewed; and
• your desired outcome.

The role of the Ombudsman’s office is to conduct an independent and impartial investigation of your complaint. The objective of this investigation is to examine whether your file was handled fairly and appropriately.

What you can expect

• The Ombudsman’s office will work with you and your insurer to resolve your complaint in a fair and impartial manner.
• For complaints that are not easily resolved or require a full investigation, the Ombudsman’s office will provide you with a formal written response. A written response is usually completed within 30 business days; however, depending on the complexity of the issues and the case load, more time may be necessary to complete a thorough review of your file. You will be updated on the progress of your complaint if more time is required.

When the Ombudsman’s office has reviewed your complaint and provided you with a response, your file will be considered closed. Your file will not be reopened unless you can present new and relevant documentation or information for further consideration.

You may reach the Ombudsman’s office at:

Ombudsman’s office
700 University Avenue, Suite 1500A
Toronto, Ontario M5G 0A1
ombudsman@intact.net
1.866.302.5094

STEP 4 External Resources

If you remain dissatisfied following the Ombudsman’s Office’s investigation, you can contact the General Insurance OmbudService. The General Insurance OmbudService is an independent dispute resolution service available to any home, auto or business insurance policyholder in Canada. You can access their services by phone, mail, e-mail, fax or through their website. There is no charge for their service.

The Ombudsman’s Office will liaise with the General Insurance OmbudService and all applicable provincial and federal regulators in order to resolve the complaint as effectively as possible.

Please note that the General Insurance OmbudService does not provide monetary compensation, and its mediation and arbitration services are non-binding.

You may reach the General Insurance OmbudService at:

When the Ombudsman’s office has reviewed your complaint and provided you with a response, your file will be considered closed. Your file will not be reopened unless you can present new and relevant documentation or information for further consideration.

You may reach the Ombudsman’s office at:

General Insurance OmbudService
4711 Yonge Street, 10th Floor
Toronto, ON
M2N 6K8
1-877-225-0446
www.giocanada.org

If you have a complaint specifically about your insurer’s Complaint Handling Protocol and processes, you may contact the Financial Consumer Agency of Canada. Please note that the Financial Consumer Agency of Canada does not provide redress or compensation and does not become involved in individual disputes.

You may reach the Financial Consumer Agency of Canada at:

Financial Consumer Agency of Canada
6th Floor, Enterprise Building
427 Laurier Ave. West

For Home and Auto Service and Sales

STEP 1 Contact Your Claims Representative

When you have a concern, we recommend that you start at the source. Speak to the claim adjuster involved. If you are not satisfied, ask to speak to a manager or a supervisor. It is usually quicker and easier to check the facts and find a solution at the point where the problem occurred.

Gather the facts

To speed up the process, we recommend that you have all relevant information handy prior to contacting Scotia Home & Auto Insurance.

The information needed includes:

• details of your complaint,
• your policy and/or claim numbers,
• supporting documents,
• important dates, and
• the names of any employees with whom you have interacted.

Step 2 Contact the Customer Experience Team

If your complaint is not resolved after completing Step 1, you can escalate the matter to the Customer Experience team.

What you can expect

• A Customer Experience Agent will speak with you to obtain relevant information and assign your file to a Customer Relations Representative for review.
• A Customer Relations Representative will contact you about your concerns.
• The Customer Relations Representative can give you an estimated time frame required to review your file.
• The Customer Relations Representative will conduct a thorough review of your file and the concerns you have raised and then provide you with a clear response explaining the company’s position on the matter. Any further action that can be taken with respect to your concern will be discussed with you and/or forwarded to you in writing.

You may reach the Customer Experience Team in the following ways:

By mail:
Belair Insurance Company/Customer Experience Team
700 University Ave, Suite 1500A,
Toronto, ON
M5G 0A1

By email: customer.experience@service.scotiainsurance.com
By telephone: 1-866-405-6763

STEP 3 External Resources Contact the Autorité des marchés financiers

If you remain dissatisfied after speaking to the Customer Experience Team, you may ask that a copy of the complaint file be forwarded to the Autorité des marchés financiers.

You may reach the AMF at:

https://lautorite.qc.ca/en/general-public
Quebec City: 418-525-0337
Montreal: 514-395-0337
Toll Free: 1-877-525-0337
Fax: 418-525-9512 or 514-873-3090
Email: information@lautorite.qc.ca

Or

You may reach the Financial Consumer Agency of Canada at:

Financial Consumer Agency of Canada
6th Floor, Enterprise Building
427 Laurier Ave. West
Ottawa, Ontario K1R 1B9

STEP 1 Contact Your Licensed Insurance Representative

When you have a concern, we recommend that you start at the source. Talk to your representative about your concerns regarding your insurance policy.

Gather the facts

To speed up the process, we recommend that you have all relevant information handy prior to contacting us.

The information needed includes:

• details of your complaint,
• your policy and/or claim numbers,
• supporting documents,
• important dates, and
• the names of any employees with whom you have interacted.

Step 2 Contact the Customer Experience Team

If your complaint is not resolved after completing Step 1, you can escalate the matter to our Customer Experience team.

What you can expect

• A Customer Experience Agent will speak with you to obtain relevant information and assign your file to a Customer Relations Representative for review.
• A Customer Relations Representative will contact you about your concerns.
• The Customer Relations Representative can give you an estimated time frame required to review your file.
• The Customer Relations Representative will conduct a thorough review of your file and the concerns you have raised and then provide you with a clear response explaining the company’s position on the matter. Any further action that can be taken with respect to your concern will be discussed with you and/or forwarded to you in writing.

You may reach the Customer Experience Team in the following ways:

By mail:
Belair Insurance Company/Customer Experience Team
700 University Ave, Suite 1500A,
Toronto, ON
M5G 0A1

By email: customer.experience@service.scotiainsurance.com
By telephone: 1-866-405-6763

STEP 3 Contact the Ombudsman’s Office

If you remain dissatisfied after speaking to the Customer Experience Team, you may escalate your concerns to the Ombudsman’s office for an independent review. Please note that the Ombudsman’s office will not review a complaint that has not gone through Steps 1 and 2 above first.

Any complaint escalated to the Ombudsman’s office should be made in writing.

Please include the following information when escalating your complaint:

• summary of your complaint;
• list of all unresolved concerns;
• the reason your concerns have not been resolved at Steps 1 and 2 above;
• any documentation and information that you would like to have reviewed; and
• your desired outcome.

The role of the Ombudsman’s office is to conduct an independent and impartial investigation of your complaint. The objective of this investigation is to examine whether your file was handled fairly and appropriately.

What you can expect

• The Ombudsman’s office will work with you and your insurer to resolve your complaint in a fair and impartial manner.
• For complaints that are not easily resolved or require a full investigation, the Ombudsman’s office will provide you with a formal written response. A written response is usually completed within 30 business days; however, depending on the complexity of the issues and the case load, more time may be necessary to complete a thorough review of your file. You will be updated on the progress of your complaint if more time is required.

When the Ombudsman’s office has reviewed your complaint and provided you with a response, your file will be considered closed. Your file will not be reopened unless you can present new and relevant documentation or information for further consideration.

You may reach the Ombudsman’s office at:

Ombudsman’s office
700 University Avenue, Suite 1500A
Toronto, Ontario M5G 0A1
ombudsman@intact.net
1.866.302.5094

STEP 4 External Resources

If you remain dissatisfied following the Ombudsman’s Office’s investigation, you may ask that a copy of the complaint file be forwarded to Autorité des marchés financiers (“AMF”) for further review.

You may reach the AMF at:

https://lautorite.qc.ca/en/general-public
Quebec City: 418-525-0337
Montreal: 514-395-0337
Toll Free: 1-877-525-0337
Fax: 418-525-9512 or 514-873-3090
Email: information@lautorite.qc.ca

Or, you can contact the General Insurance OmbudService. The General Insurance OmbudService is an independent dispute resolution service available to any home, auto or business insurance policyholder in Canada. You can access their services by phone, mail, e-mail, fax or through their website. There is no charge for their service.

The Ombudsman’s Office will liaise with the General Insurance OmbudService and all applicable provincial and federal regulators in order to resolve the complaint as effectively as possible. Please note that the General Insurance OmbudService does not provide monetary compensation, and its mediation and arbitration services are non-binding.

You may reach the General Insurance OmbudService at:

General Insurance OmbudService
4711 Yonge Street, 10th Floor
Toronto, ON
M2N 6K8
1-877-225-0446
www.giocanada.org

If you have a complaint specifically about your insurer’s Complaint Handling Protocol and processes, you may contact the Financial Consumer Agency of Canada. Please note that the Financial Consumer Agency of Canada does not provide redress or compensation and does not become involved in individual disputes.

You may reach the Financial Consumer Agency of Canada at:

Financial Consumer Agency of Canada
6th Floor, Enterprise Building
427 Laurier Ave. West
Ottawa, Ontario K1R 1B9