Should the unexpected happen we’ll be here with you every step of the way.


24 hours, 7 days a week


Roadside assistance

24/7 every day of the year
(Available to subscribed policy holders only)


Online support

Manage your policy online, view our FAQs or chat to a specialist

Help & support

You can count on your claims representative to:

  • Confirm your coverage based on your policy
  • Explain your options so that you can decide what to do next
  • Make arrangements for repair or replacement of your vehicle to help you get your life back to normal

Frequently asked questions

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.

This depends on the situation, and also on where you live. You can get specific information about the time frame from your Claims Adjuster.

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.

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.

We try to make sure this never happens, but if it does, please call the Claims Centre at 1.833.223.8743. Specialists are available 24/7, every day of the year. Your Service Specialist will contact the Claims Adjuster’s team leader.

When you make a claim, there are six important responsibilities to remember; these will help smooth the claims process, but also keep your coverage in good standing:

  1. Let your insurer know of an accident or claim promptly
  2. Give the required information about the claim and about those involved
  3. Forward all legal documents, claims, correspondence to the insurer
  4. Don't assume liability
  5. Don't interfere with the claims procedures

Be completely honest - both on your application and when making a claim