Leisure vehicle and RV insurance claims
Has your leisure or recreational vehicle been damaged? We know that this can be a very stressful situation. Contact us immediately! One of our experts will advise and guide you throughout your claim so that you can get back on the road as soon as possible!
24 hours a day, 7 days a week
What to do in case of an incident?
Make sure you are safe
Make your safety and the safety of your loved ones a priority and do not hesitate to contact emergency services if necessary.
If you can, take steps to minimize the damage.
Do I have to fill out a joint report or contact the police in the event of a collision?
If no one was injured in the collision and there is no damage caused to third parties, a joint report may be sufficient. Police presence is not always necessary. The joint report allows you to make a report of the accident for your insurer, which will determine who is at fault. Simply fill it out and send it to your insurer. It is essential to record the full contact details of the people involved in the accident.
You must provide a police report when you are involved in an accident with injuries or damage to others, an accident outside Quebec or a malicious act (theft, hit-and-run, vandalism, etc.).
Opening and analysis of the claim file
Our priority is to open your file as quickly as possible!
We will collect all the information required to assess the damage and provide you with the proper support, according to the coverage in your policy.
What documents do you need to prepare before you call us?
To save time, make sure you have the following information:
- Your insurance policy number;
- Your driver's licence and registration certificate;
- The police report number or a copy of the completed joint report;
- Contact information of other people involved and witnesses.
Are items stolen or damaged during the incident covered?
Ask your claims adjuster what coverage applies in your situation.
How do I know if a deductible applies?
The cause of the incident, the liability and the coverage provided by your insurance policy will determine if you have to pay a deductible and the amount of the deductible.
Will my premium go up if I make a claim?
Your insurance premium may increase if you are deemed at fault for the accident. Note that a number of factors influence changes to your insurance premium at renewal. Visit our Advice Zone to learn more about how to lower your insurance premium..
Damage estimate
Whether you were involved in a serious accident or just a fender-bender, an appraiser will determine the repairs required for your vehicle.
Once the estimate has been completed, you will be able to make an appointment with the repair shop to begin repairs to your vehicle. If it cannot be repaired, the appraiser will determine the value of your vehicle at the time of the incident and the adjuster will contact you to inform you of the assessed amount.
What is a total loss?
A vehicle is declared a total loss when it is damaged to such an extent that it cannot be repaired or the cost of repair would be greater than the value of the vehicle.
How is a vehicle’s value determined during a claim?
Your vehicle’s condition at the time of the incident, its features, its mileage and the local market are the main criteria used to determine the vehicle’s value for a claim.
Payment
Our payment times are among the fastest on the market!
When the cost of the work is determined, we will send you a cheque to give to your repairer.
If your vehicle has been declared a total loss, a cheque will be mailed to you.
The deductible will be taken off the settlement, if applicable. Therefore, in case of repair you will have to give it to the repair shop.
Deductible
The applicable deductible will be taken off the amount
Opening and analysis of the claim file
Our priority is to open your file as quickly as possible!
Contact us as soon as possible and have your insurance certificate handy. We will collect all the information required to assess the damage and provide you with the proper support according to the coverage in your insurance policy.
What documents do you need to prepare before you call us?
To save time, make sure you have the following information before you call us:
- Your insurance policy number;
- Small vessel licence issued by Transport Canada;
- Your purchase agreement;
- Your Pleasure Craft Operator Card;
- The police report number, if applicable;
- Contact information of other people involved and witnesses.
If stolen, are the items in my boat covered?
Damaged or stolen property in a boat is usually covered.
Do I need a police report?
You must provide a police report when you are involved in an accident with injuries, an accident outside Quebec or a malicious act (theft, hit-and-run, vandalism, etc.).
How do I know if a deductible applies?
The cause of the incident and the coverage provided by your insurance policy will determine if you have to pay a deductible and the amount of the deductible.
Damage estimate
An appraiser will determine the appropriate repairs for your boat based on the damage.
Once the estimate is completed, you will be able to make an appointment to have your watercraft repaired.
What is a total loss?
A boat is declared a total loss when it is damaged to such an extent that it cannot be repaired or the cost of repair would be greater than its value.
How is a recreational boat's value determined during a claim?
Your boat's condition at the time of the incident, its features and the local market are the main criteria used to determine the boat’s value for a claim.
Payment
Our payment times are among the fastest on the market!
When the cost of the work is determined, we will send you a cheque to give to your repairer. The applicable deductible will be taken off the amount.
