Has your vehicle been stolen? Or has a part of your vehicle been stolen? Here’s what you need to know.

Coverage provided by your contract

The theft of your vehicle, in whole or in part, is covered if you have added All Perils or Comprehensive coverage to your policy (Chapter B of the policy).

Your insurer will compensate you within 60 days of receiving your claim and all supporting documentation. For a quick settlement, make sure you have all the necessary documents. 

The insurer will deduct the deductible indicated in the contract from your compensation.

Steps to follow


1. Police report release

Contact the police as soon as possible. They will fill in and give you the number of the report.

2. Contact your insurer

Call your insurer or broker as soon as possible. Send him a copy of the police report number.

3. Compensation

Your insurer will replace your car according to the terms and conditions under your policy.

Depending on the agreement, your insurer may indemnify you or reimburse the car dealer directly.

Indemnity payment

Your insurer will wait 30 days before compensating you. This is normal in case your vehicle is recovered by the police. Some vehicles are abandoned shortly after they are stolen and recovered.

If your vehicle is found but has been damaged, it will be repaired if you have theft coverage.

Auto tips

Newcomer to insurance: starting out right

You have started to drive. Whether you have a learner's or a probationary licence, you must inform your insurer immediately. Click to find out more.


Be prepared.
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