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Claims hub

As the largest claims team in Canada, we help you get through the insurance claims process as quickly as possible, provide advice about what to do next, and walk you through it every step of the way. No matter what happens, we've got your back.

Submit or track a claim

Need to submit a home claim online?


Damage to your car or home can happen anytime, anywhere, and when it does, know that you can submit a claim through the Intact Insurance App. It's easy to use, useful and secure.

Don’t know how to submit a claim online?  Find out how on our user guide.

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Step 1: Get help if you need it and make the area as safe as you can.

  • If there’s major damage or injuries, call 911

  • Turn off your engine

  • Don’t smoke or place flares near your vehicle

  • Don’t move your car if there are injuries, fatalities, extensive damage or fuel leaks

Step 2: Gather information from everyone involved.

  • Collect names, addresses and phone numbers of the other drivers.

Step 3: If your car is not drivable, you’ll need a tow truck.

  • Remember to remove all valuables from your vehicle

  • If you were involved in a car collision, you can file your claim online. 

Submit a claim online

  • If you return to your home and find your door or window ajar, call the police immediately. Do not go in. The sooner they arrive, the greater the chance your valuables will be recovered.

  • In the event of a surprise encounter with an intruder, attempt to flee. If you are blocked in, remain still and allow the intruder to leave. Do not try and stop an intruder from leaving, as the person may be armed.

  • Do not touch anything or attempt to clean up the mess before the police arrives. You may ruin important evidence. Give the police a copy of your home inventory. This will make it easier to identify a suspect who is caught with your valuables.

  • Your insurance broker can connect you to our claims team. They can even stay on the line with you as you speak to one of our representatives.

    Submit a claim online

  • Don’t turn on any electrical switches until your electrical system has been checked by a professional.

  • First, turn off your main switch if you can do it safely.

  • If you have gas service, check for fumes – if you notice an odor, call the gas company immediately.

  • Take steps immediately to protect your property from further damage.

  • Board up holes or shut off water supplies to ensure your belongings are not damaged further.

  • Whenever possible, move undamaged items out of wet basements and away from flooded parts of your home.

  • Standing water and wet materials are a breeding ground for micro-organisms such as viruses, bacteria and mould which can cause disease, trigger allergic reactions and continue to damage materials long after the water damage. Mould growth can start in less than 48 hours.

  • Save receipts for materials you use – we will cover any reasonable cost associated with protecting your property if the loss is covered by your policy.

    Submit a claim online

Protect yourself by taking these steps:

  • Secure all glass openings (windows, sunroof) to limit additional damages

  • Make sure outdoor furniture and fixtures and all vehicles are brought in to prevent them from being damaged

  • Stay away from glass windows and doors and seek refuge in an interior room with no windows

  • Avoid using electrical appliances

  • Take care of your pets: A storm can be a frightening experience, and they could injure themselves or injure you if panicked

  • Do not light candles or lanterns – they could get blown over causing a fire

  • Never go out during the storm – flying debris can cause severe injuries 

  • After the storm clears, and you come out, beware of downed power lines and gas leaks

  • Stay away from heavily damaged areas. Listen to your radio for instructions 

  • Your insurance broker can connect you to our claims team. They can even stay on the line with you as you speak to one of our representatives. 

Submit a claim online

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