Help & Support - Claims

A Scotia Home & Auto Insurance team member will be there to help every step of the way. But you can help the process go smoothly by:

• providing as many details as you can 
• being as accurate as possible
• submitting forms as soon as possible

We will assign a Claims Adjuster to you. Your Claims Adjuster will coordinate your claim, and can tell you exactly what the next steps are in your case. You may want to take a look at The role of a Claims Adjuster.

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?

You'll want to make this decision on a case-by-case basis. Your Service Specialist can help, too.

Here are two factors you may want to consider:

• 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.)
• If you get a "claims-free" discount, what is the cost of losing the discount, versus the cost of repair or replacement?

Need help deciding or making a claim? Just call 1.833.223.8740. Our Service Specialists are available Monday to Friday 8am-6pm, your local time.

The Claims Adjuster's job includes getting in touch with you once you've started a claim. He or she will provide contact information so that you can reach them by email, phone or fax.

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

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

This depends on the situation. You can get specific information about the timeframe (based on your policy and circumstances) from your Claims Adjuster.

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.