Are you covered?

Yes, if you purchased coverage for damage to your vehicle. That's Section B of your policy (Comprehensive or All Perils). Your insurer will deduct the amount of your policy deductible from the compensation amount. 

Example of a deduction

Amount to repair your vehicle  $2,200
Your policy deductible $200
Total amount paid by your insurer $2,000

Items stolen from your car?

Your car is vandalized and your laptop is stolen. Your home insurance policy covers items stolen from your car. You'll have two claims to make. One to your auto insurer for the damage to your vehicle. And the other one to your home insurer for the theft of your laptop. 

Don't have home insurance? In that case, you won't be covered for the items stolen from your car.

Five-steps process in case of vandalism

  1. Police report release
    Take photos of the damage caused and 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. Appraise the damage
    Your insurer will examine your vehicle to appraise the damage and establish the cost of repairs. He may suggest a garage for the repairs. You may also choose your own.

  4. Agree on a settlement
    Your insurer will repair your car according to the terms and conditions under your policy.

  5. Indemnity payment
    Depending on the agreement, your insurer may indemnify you or reimburse the garage directly.

Your insurer will indemnify you within 60 days following receipt of your request and the supporting documents. For a speedy claims settlement, make sure you have all the relevant documents handy.

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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