How to Make a Claim
Making an insurance claim is easy if you’ve purchased coverage through Insureline. Find details on when to file a claim, how to file a claim, and how we’ll provide you with vital support here.
We make the claims process easy.
Here’s how we help:
Advice on Making Claims
Not all claims are worth filing. Making an insurance claim drives your premiums up—and depending on the size of your deductible and the amount you’re eligible to receive, the money you get may not justify this increase. Making your claim through Insureline gives us a chance to tell you when making a claim is in your best financial interests and when it’s not.
Contacting Your Claims Adjuster
When you do make an insurance claim, Insureline makes it easy. We’ll provide you with the contact information for the claims adjuster at your insurance provider and coach you on how to deal with them so that your claim can be filed properly.
Moving Your Claim Forward
Insureline has your back from start to finish. Our expertise helps you avoid confusion, delays, and errors that could affect your payout. Once your claim has been made, we offer ongoing guidance to help ensure that it goes through and you receive all the money you’re eligible for.
Frequently Asked Questions
Can I Make a Claim without Insureline?
Technically, yes—but you shouldn’t. Remember, we do more than simply find you coverage. Once you’re a client of ours, we’re also there to make sure you can use the coverage you purchased effectively and receive the money you deserve when you make a claim.
There’s no benefit to making a claim without letting us know—but when you make your claim through Insureline, we can monitor its progress and provide you with support to help move it forward. For that reason, it’s advisable for all Insureline clients to file their claims through us instead of acting on their own.
Does It Cost Anything to File a Claim?
The act of filing an insurance claim itself costs nothing—but be advised that whenever you make a claim, your premiums will go up. That’s why working with Insureline is so important. We’ll help you understand the way making a claim will affect your premiums before you file, so you can see whether or not it’s going to be in your best long-term interests.
How Much Will My Premiums Go Up By When I Make a Claim?
The rate at which your premiums will increase after making an insurance claim depends on many
factors, including:
For Home Insurance:
- Your claims history
- Your property’s claims history
- The type of claim being filed
- The risk of the incident that caused the claim recurring
For Auto Insurance:
- Your claims history
- Your driving record
- The extent of the damage to your vehicle
- Whether or not the incident involved an injury
For Commercial Insurance:
- Your claims history
- The risk of the incident that caused the claim recurring
Premiums also increase differently after claims depending on the provider your insurance comes from and the type of policy you hold. That’s why it’s important to talk to us before filing—you need to understand the coverage you have and how it’s going to be affected.
How Long Does it Take Insurance Companies to Process Claims?
Every provider is different—but in Canada, most insurance companies can process a claim in approximately 30 days. This does not necessarily mean you’ll receive your settlement in that timeframe, however. Each policy comes with its own details on how long it will take for a claim to pay out once it has been approved. When you buy your coverage with us, we’ll walk you through
these details and make sure you understand them.