Help & Support - Claims

Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.

No need for a form! We try to make claims easier by filling out the forms for you. Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.

We can help with that. Just call 1.833.223.8740. Our Service Specialists are available Monday to Friday 8am-6pm, your local time.

A claims adjuster is a representative of the insurance company. An adjuster coordinates an appraisal, gathers the facts and reports the details of a claim to the insurer. The adjuster recommends whether a claim is covered under the policy. They also negotiate with the policyholder on behalf of the insurance company.

For 24/7 assistance with your claim or to make a claim, call 1.833.223.8743.

We've posted a list of the details you need to provide for auto and home claims http://www.rsagroup.ca/claims/our-claims-process

Every situation is different. Your Service Specialist can answer this question if you are considering making a claim. Just call 1.833.223.8740. Our Service Specialists are available Monday to Friday 8am - 6pm and Saturday 9am - 5pm your local time.

This is a very personal decision, and you'll want to make this decision on a case-by-case basis.

Here are some factors you may want to consider before making a claim:

• If the cost of the repair or replacement is not much more than your deductible, it may not make sense to make a claim. (The deductible is the amount you must pay before a claim is paid.)
• Will making a claim affect your future premiums? Your driving record is one of the factors that helps determine your premium, so it’s best to factor in the cost or repair/replacement versus the cost of a higher premium.

For auto incidents, you are legally required to report any damage, accident or loss to your insurer.

If you’re unsure, you can always ask one of our friendly and professional Service Specialists.

Your Claims Adjuster will get in touch with you once you’ve started a claim with Scotia Home & Auto Insurance. He or she will provide all of the contact information so you can get in touch when you need to.

Also see I am having trouble reaching the Claims Adjuster. How do I get in touch?

Once everyone is safe, you'll need to write down some basic information:

Driver information:

• Names
• Driver's licence numbers
• Address and phone number for other driver(s)

Vehicle information:

• Car license plate number(s), including year and province
• Make, model, year of all vehicles
• Vehicle owner(s)' name and address

Insurance information:

• Other owner/driver's insurance company, policy number and Service Specialist

Accident information:

• Time
• Location
• Your speed
• Other driver(s)' speed(s)
• Weather conditions
• Road conditions
• Number of passengers in each vehicle
• Damage to vehicles

For 24/7 assistance with your claim or to make a claim, call 1.833.223.8743.

This depends on your policy and your claim. Your Claims Adjuster can let you know once he or she has reviewed your claim.