Claims
Sign in to Online Services to start a home or auto claim.
How to start your claim
Our claims team is standing by to help. You can also submit a claim anytime with your financial representative.
Start online
With Online Services, you can easily start and track a home or auto claim and upload any supporting documents.
Use the app
Start and view home and auto claims with the Online Services mobile app.
Give us a call
Our claims representatives are available to help you start a claim or check on its status.
Call: 1-877-682-5246
In Quebec: 1-877-594-2667
Find more details on different types of claims
You don’t need to start a claim – just follow these steps:
- Find an auto glass repair shop near you.
- Call or book online with the glass shop you choose.
- Show your pink slip when you arrive.
You’ll only pay your deductible if the windshield or glass is replaced. We’ll cover the rest.
Need help finding a repair shop? Call 1-877-682-5246.
What happens when you make a claim
We promise to be with you every step of the way. Here’s what you can expect when starting a claim:
Tell us what happened
Whether you’re starting a claim online or with one of our claims experts, we’re here to help. We’ll ask questions about your claim and help you start the claim process.
We’ll look at the details
Next, we’ll determine the value of loss, get repair estimates, and help arrange health care providers if anyone’s been injured. We may ask for any invoices, receipts, or other details about the claim.
Get back to your life
Once your claim is complete, we’ll pay any remaining costs covered by your policy, minus your deductible. And you can focus on getting your life back on track.
When it comes to resolving claims, we’re committed to finding creative and sustainable solutions with eco-friendly practices and partnerships.
- Start a home or auto claim in minutes
- Track your claim’s status
- Book a repair estimate or request a rental car
- Start and stop a claim anytime; we’ll save your progress in case you need to come back
Our claims guarantees*
Claims counselling
Not sure if you need to start a claim? Give us a call — we’ll answer your questions, confirm your coverage, record the details, and help you decide whether or not you need to start a claim.
Efficient service that treats you like a human
Start your claim anytime, 24 hours a day, 7 days a week. Our claims professionals can help you start your claim or arrange any emergency services.
Quality repairs and replacements
After you’ve started your claim, you’ll have access to our network of preferred vendors to repair or replace any damaged or stolen property.
Accident Forgiveness
We were one of the first insurers to offer Accident Forgiveness. If you have this coverage, your first at-fault accident is forgiven and your auto premiums won’t increase.
Service Review Panel
If you’re not happy with how we handled your claim, our Service Review Panel might be able to review your case. If the panel recommends any next steps to make it right, we’ll do it.
Client Paid Claims
If you decide to pay your claim out of pocket, your premiums won’t increase. And if you need coverage down the road, we won’t consider that claim when making our decisions.
Co-operators proudly partners with vendors who are leaders within their respective industries.
* Some claims situations may need to be reported and investigated. Our Claims Guarantee may not apply for claims involving potential injury, environmental losses, water damage, legal involvement or where terms of the policy have not been met. Depending on fault, your rates may be impacted. Please ask your local financial representative for more details.