Boat Insurance Claims
If you have a boat claim here is what to do:
During office hours (8:30am – 4:30pm EST):
Toronto: 1-877-364-4589 or local 416-777-2722
Montreal: 1-877-464-4589 or local 514-932-8660
Call our after-hours Emergency claims: 1-800-479-0641
We try very hard to make sure your claim is managed as quickly and seamlessly as possible. At any time during the process you feel you are not getting the answers you deserve, we encourage you to let us know as soon as possible.
Here is a simple guide to help you understand the typical claims process:
Boat Insurance Claims Guide
- Your safety is a priority. Make sure everyone is safe before doing anything else.
- Call 911 if emergency assistance is required.
- Alert the police of theft, break-in or vandalism.
- Do not assume any liability.
- Take necessary action to protect the watercraft from further loss or damage.
- Try not to alter any evidence of the loss. If you absolutely must alter anything to protect the vessel from further loss, take multiple detailed pictures of the damage first. It is very important the insurance adjuster sees the full extent of the damages and all possible causes.Before repairs can begin, call and report the loss so that an adjuster can be assigned.
- Do not authorize any repairs until you have spoken with an adjuster.
- You may be asked to provide a written statement of the incident. Start writing down notes as soon as practicable that include the date, time, and all other details of the claim that you can think of. Pictures are very helpful.
- Once you have reported your claim, an adjuster will contact you and the repair facility to gather the necessary claim details;
- The adjuster will require a written estimate from the repair facility before any repairs can be authorized;
- The adjuster will determine if a site visit is necessary and arrange a time when they can look at your boat;
- Once the adjuster has authorized repairs, the repair facility can begin the work;
- When repairs have been completed, you will be asked to sign and return a Proof of Loss, confirming repairs are completed and satisfactory.
- When the Proof of Loss is returned to the adjuster, payment is made directly to the repair facility in the amount of the repairs, minus your deductible.