Customer Help & Support

Should I make a claim?

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.)
  • If you get a "claims-free" discount, what is the cost of losing the discount, versus the cost of repair or replacement?
  • For auto incidents, you are legally required to report any damage, accident or loss to your insurer.

If you’re unsure, you can always call our Claims Advice team at 1-866-864-2520 from Monday to Friday 9am -5pm (EST).

If you have any questions outside of this time, you can also speak to a Service Specialist; call 1-844-896-6977. Our Service Specialists are available Monday to Friday 8am-6pm, your local time.

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