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Making a Claim

Knowledgeable claims and service advisors are available to help you.

How to Make a Claim

Dealing with an accident can be difficult. You can count on us to make the claims process as easy as possible

Follow these steps:

Having the policy number handy when you call will help us give you faster service. If you can’t find it, don’t worry—we can still assist you.

Call 1-800-769-2526, or

#722 on a Bell or Rogers cell phone.

We will guide you through the claims process and the documentation you need. What you need to make a claim depends on your province of residence.

Claim Forms

Select your province to download the form(s) you need to make your claim. A claims advisor will guide you on the forms you need when you call.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Accident Benefits Claims

Be sure to ask a claims advisor which form(s) you are required to complete for your Accident Benefits claim.

This is the first application that needs to be completed by everyone claiming to be injured in an automobile accident.

Complete this form if you have claimed an injury and have not been able to work for more than 7 days.

If you have been injured in an automobile accident and your health practitioner (chiropractor, physiotherapist or a medical doctor) has recommended a treatment plan, he or she will need to complete the attached form.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Accident Benefits Claims

Be sure to ask a claims advisor which form(s) you are required to complete for your Accident Benefits claim.

Use this form when applying for benefits for the first time as a result of an accident.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Accident Benefits Claims

Be sure to ask a claims advisor which form(s) you are required to complete for your Accident Benefits claim.

Use this form when applying for benefits for the first time as a result of an accident.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Accident Benefits Claims

Please call 1-800-769-2526 for a copy of Nova Scotia's "NS-1" Notice of Loss & Proof of Claim Form.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Accident Benefits Claims

Be sure to ask a claims advisor which form(s) you are required to complete for your Accident Benefits claim.

Use this form when applying for benefits for the first time as a result of an accident.

This form is to be completed by you and your employer.

Use this form to support your Application for Accident Benefits; it must be completed by a health practitioner.

This form is completed by or on behalf of the spouse and dependant(s) of the deceased and any other person entitled to claim for benefits.

This form is to be completed by you, permitting contact between your insurance company and health practitioner.

Use this form to request reimbursement for reasonable and necessary expenses as a result of an accident.

Upon review of your Application for Benefits and Disability Certificate, your adjuster may request this form to be completed.

Give this form to your medical practitioner to complete if you are required to prove your need for treatment or assessments.

Use this form if you want to establish that you have suffered a Catastrophic impairment as a result of a motor vehicle accident.

Give this form to your medical practitioner to complete if you are required to provide a treatment outline within the Minor Injury Guidelines.

This form is to be completed by your medical practitioner upon completion of the treatment outlined in OCF-23.

This form is to be completed by a Registered Nurse or Occupational Therapist in the event that you require assistance with your personal care.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Accident Benefits Claims

Be sure to ask a claims advisor which form(s) you are required to complete for your Accident Benefits claim.

Use this form when applying for benefits for the first time as a result of an accident.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Automobile Proof of Loss Form

This is a formal document detailing the loss or damage to your vehicle, which you will need to provide at the time of your claim.

Customer Service and Support

Manage your auto insurance policy

Questions about your policy?

Call us if you have a question about your existing insurance policy.

Call 1-877-749-7224

Mon-Fri: 8am-8pm, Sat: 8:30am-4pm, ET
Quebec: Mon-Fri: 8am-6pm, ET

Should you make a claim?

For confidential and free advice:

Call the Anonymous Claims Advice line and get expert advice without giving your name or policy number.

Call 1-866-953-8285 Mon-Fri, 9am-5pm ET

Note: Available in all provinces and territories except Quebec.

Need to update your policy?

Call as soon as possible if you have a change that could impact your policy.

Please call to update your policy if you:

  • Move—even if it’s within the same town or city
  • Change your name, phone number or email address
  • Change jobs or the location where you work or go to school
  • Buy a vehicle or no longer own a vehicle in your policy
  • Change the way you use your vehicle
  • Need to add or remove drivers from your policy
  • Need to change the primary driver of a vehicle
  • Want to change your coverage or payment method

Call us at 1-877-749-7224,

Mon-Fri: 8am-8pm, Sat: 8:30am-4pm, ET
Quebec: Mon-Fri: 8am-6pm, ET

Been in an accident?

Get essential tips that will help if you're ever in a car accident.

Being in an accident can be very stressful and it's hard to know what to do. If it ever happens to you, here are 10 tips to keep in mind:

  • Check for injuries. Make sure everyone in your vehicle is ok. Don’t move anyone who is seriously hurt.
  • Call 911 if someone is injured.
  • Make yourself visible. Turn on your hazard lights. If you have signal flares or reflectors, place them by the roadside.
  • Stay off the road. Other drivers may not see you.
  • Move your car. If drivable, move your vehicle to the side of the road. This won’t influence the settlement of your claim.
  • Call before you tow. Be sure to talk to a claims advisor before accepting a tow.
  • Report your claim. Call 1-800-769-2526, or #722 on a Bell or Rogers cell phone.
  • Talk to an expert. A claims advisor will walk you through what to do.
  • Get information. Record the following details:
    Name, phone number, insurance company and policy number of the driver(s) and any passengers of the other vehicle(s) involved
    Licence plate numbers of all cars involved
    Driver’s licence number of all drivers involved
    Witness names and telephone numbers
  • Don’t leave if anyone is injured or if there is damage to property.

Policy Information

View Your Policy Information

Review your policy details online—all within a secure environment:

  • Go to the Enrol page for Online Insurance.
  • Follow the simple 3-step process to enrol.

Note: If you already have an Online Insurance account, enter your user name and password, then select "Sign In".

  • Sign in to Online Insurance.
  • Select a policy number to see policyholder(s), coverage information, insured vehicles and driver details.

Claims and Service FAQs

Find answers to your questions about car insurance coverage, claims, deductibles, premiums and discounts.

Sometimes known as "first party insurance," the "no fault" system has been instituted in several provinces in an effort to:

  • Help control court costs when claims are disputed
  • Provide prompt financial assistance for accident victims
  • Stabilize insurance premiums

Under the "no fault" system, everyone involved in an accident submits a claim to their own insurance company. This means that if another person is at fault for an accident, you would still submit your claim to your own insurance company. Additionally, if you are not at fault but had to pay a deductible, your insurance company may seek to recover your deductible from the at-fault driver's insurance company.

Every car insurance policy includes protection against third-party liability—and for good reason. Liability coverage, also called third-party or civil liability coverage, helps protect you financially if you or another driver on your policy are found legally liable for injuring someone or causing damage to another person's property or automobile while operating a vehicle. In this type of situation, your insurance would pay any legitimate claims against you up to the limits of your liability coverage and also pay for expenses related to settling the claims.

While every province requires a certain amount of liability coverage, the minimum amount required is unlikely to be enough if the courts order you to pay a substantial amount of money in damages.

Tip: At RBC Insurance, we strongly recommend that you purchase at least $1 million in coverage. Plus, if you are leasing or financing a vehicle, your leasing company or lien holder may require at least that much coverage to protect their interests.

Collision coverage helps pay for the cost of repairing or replacing your vehicle up to the actual cash value if it collides with another vehicle another vehicle, the ground, or an object in or on the ground (such as a guard rail).

Comprehensive coverage helps pay for the cost of repairing or replacing your vehicle up to the actual cash value if it is damaged by unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, a natural disaster, or a riot or civil disturbance (but not collision).

Tip: Although collision and comprehensive coverage are optional by law, your vehicle's leasing or financing company (if applicable) may require that you have it. We also recommend that you purchase both of these coverages unless your car is very old—and not worth more than a couple thousand dollars—or you can afford to pay out-of-pocket whatever amount might be required to repair or replace your vehicle.

In addition to collision and comprehensive coverage, which are recommended for most situations, there are two other coverages known as All Perils and Specified Perils.

  • All Perils coverage includes the protections provided by both collision and comprehensive coverage and also insures your vehicle against loss or damage should it be stolen by someone living in your home or by someone you have hired to drive, service or repair your vehicle.
  • Specified Perils coverage insures your vehicle against specific situations only (such as fire, theft or attempted theft, some natural disasters, riots or civil disturbances). In most cases, we do not recommend insuring your vehicle with just specified perils coverage.

Also called "riders," endorsements are additional (sometimes optional) enhancements that allow you to customize your car insurance policy by increasing or even reducing the amount of insurance coverage you would receive in special situations.

One example of an endorsement is the popular Family Protection endorsement, which provides significant financial protection—up to the limits of your liability coverage—if you or your eligible family members are injured or killed in an accident caused by an uninsured, under insured or unidentified (e.g. hit and run) at-fault motorist.

A claim is a request to an insurance company for payment for loss, damage or injury as covered in an insurance policy.

Your deductible is the amount of money you are required to pay out-of-pocket towards any claim you make under your car insurance policy.

For example: If your vehicle sustains $2,000 worth of damage in an accident and your collision deductible is $500, then you would be responsible for paying the first $500 and your insurance company would pay the remaining $1,500.

You can choose a different deductible amount for your collision coverage and your comprehensive coverage.

Tip: If you can afford to make a higher out-of-pocket payment in the event of a claim, then choose a higher deductible. You'll pay a lower premium as a result.

Yes. Since your driving record affects your car insurance coverage and premium, your insurance company needs to know the facts of your accident.

Furthermore, if you were involved in an accident with another vehicle, the driver of that vehicle may claim from his or her insurance company—who will, in all likelihood, communicate with your insurance company about the accident. It is important to note that not all accidents will result in premium increases.

Moving—even within the same town or city—can affect your car insurance premium, so be sure to call us at 1-877-749-7224 before your moving day.

Also keep in mind that car insurance laws are different in every province. If you're moving to a different province, let us know and we will help make sure your policy complies with the laws in your new province10.

Yes, particularly if they're less likely to be stolen or, statistically, if injuries suffered in certain vehicles are less servere. Vehicles that are less expensive to repair will also typically cost less to insure.

Tip: If you're shopping for a new car and are looking for the better insurance value, we can give you a no-obligation quote for each of the models you're considering.

Yes. You can insure all kinds of personal vehicles through us, including:

  • Cars, SUVs, minivans or pickup trucks
  • Motorcycles
  • Motorhomes and RVs
  • Campers and trailers
  • Snowmobiles
  • All Terrain Vehicles (ATVs)

Yes. If you own a vintage vehicle that is over 25 years old, with antique or historical licence plates, the Advice Centre can offer you special coverage and a price to reflect your needs. We'll be happy to give you your quote over the phone—just call 1-877-749-7224.

Because each person's situation is unique, there isn't a single answer to this question. However, using statistics and complex formulas, insurance companies usually calculate your car insurance premium by taking into account where you live, the type of vehicle you drive (and how you use it), your driving and claims record, other drivers on your policy and the amount of coverage you want.

There are several ways to save on your car insurance.

Depending on the province you live in10, there are some discounts that may apply to you automatically—for example being claims-free for a certain time period or qualifying as a mature or experienced driver.

In other cases, there are specific things you can do to qualify for other potential discounts. This includes:

  • Save when you get your no-obligation quote online1
  • Save when you insure more than one vehicle through us2
  • Save on your car insurance policy when you purchase a homeowners, condo or renters insurance policy through us11

Most likely, yes. Your driving record is one of the factors insurance companies consider when calculating your car insurance premium. The more experienced you are and the fewer claims and accidents you've had, the lower your premium is likely to be.

We are sorry, but government regulations prohibit us from extending lower prices exclusively to RBC Royal Bank® customers. However, we strive to offer you competitive car insurance rates, as well as numerous opportunities to save. Get a quote today and see for yourself.

Start My Car Insurance Quote

You have several choices for paying your car insurance premium:

  • A yearly lump-sum payment by cash, cheque, Visa* or Mastercard
  • Monthly payments via regular, pre-authorized chequing account withdrawals or credit card (Visa or Mastercard) debits

To take advantage of this easy payment option, simply give us your bank's transit and institution number, as well as your account number (a void cheque is not required) when you complete a pre-authorized chequing payment form. You can even choose the date you'd like your account to be debited each month.

Ontario Auto Reform – June 2016

Find out more about the June 2016 Ontario auto reform on our detailed website created specifically to help you understand the changes that took place.

Learn More