Car accidents can be stressful, but making a claim doesn’t have to be. Here are some helpful tips to guide you after an accident and throughout the claims experience. Whether your car is damaged, your windshield is cracked or your vehicle is out of commission, we’re ready to help you get back on the road soon.
Whether your car is drivable or not, we're here for you through every stage. Before starting your insurance claim, it’s important to make sure you're safe first. Above all else, don’t forget to:
Pull over to a safe spot and ensure that there are no injuries to you or anyone else in your vehicle. If you see that someone is injured, don’t move them
Call 911 if there is an injury and try to stay calm
Make sure you know where you are and make yourself visible
Once safe, start your claims process. Our dedicated advisors are here to provide a simplified claims experience while providing advice about what to do next and walking you through every step of the way.
What To Do If Your Windshield Is Cracked
If your windshield, or any other glass on your car, has been chipped, broken, or damaged in any way, we’ll work to resolve your insurance claim as quickly as possible. Here are some things to consider:
Before you repair a window or windshield on your car, notify TD Insurance so we can work with you on the next steps
Inform us if the vehicle is safe to drive
Work with a repair service you trust. Our TD Insurance Auto Centres offer a wide variety of services under one roof. If you’re looking for another recommended option, TD Insurance can help you choose from our list of preferred vendors
Coverage for windows and windshields is found under Collision, Comprehensive and All Perils. As they are included in the perils part of your coverage, you can feel confident you have coverage.
What To Do After Common Car Accidents
Fender benders and minor accidents are the most common auto insurance claims we receive. So, what do you do if you find yourself in one of these situations?
Before taking any other steps, make sure that everyone involved is safe and contact emergency services if needed
Report the incident to TD Insurance within seven days to allow us to get started on your claim
Take note of your surroundings: Where the incident took place, the weather conditions, and location are details that may be helpful to provide
Be prepared to provide details on the incident if asked. We recommend having the following information ready:
- The year, make and model, of all vehicle(s) involved
- The registration and license plate number of the vehicle(s) involved
- The driver of the vehicle’s name, and driver’s license number
- The police officer's information or the related police report (if involved)
Your dedicated advisor will help you with any questions you may have.
Learn more about the Claims Experience
Towing & Roadside Assistance
Feel confident knowing roadside assistance is available when you need it.
Now, you can feel confident about your claim's progress at every step.
With the TD Insurance auto claims tracker, you can track your claim from the moment it’s opened to the moment it’s closed, allowing you to follow every step of the experience.
We’re here for you when it matters the most
TD Insurance Auto Centres
TD Insurance Auto Centres are revolutionizing the way TD Insurance customers receive support for their vehicles. Get everything you need under one roof, with repair services providers, rental options and on-site TD Insurance claims advisors.
We're here to get you through your accident and claims experience with dedicated advisors available at convenient hours.
Leading Claims Operations, Craig leads the Automobile, Residential, and Life and Health Claims teams across Canada. Craig and his team strive to deliver exceptional customer experiences and are always interested in hearing from TD Insurance customers about their Claims experiences.
When unexpected damage happens to your home, it can be stressful. But making a claim doesn’t have to be. We’ll work hard to get your life back to normal as quickly as possible. Here are some helpful tips to guide you.
Home Claims Process
We want to make your claims experience quick and simple. A dedicated TD Insurance advisor will work with you every step of the way and support you throughout the claims experience. They’ll confirm the details of your loss or damages, and if necessary, will arrange for emergency repairs and temporary accommodation.
Learn more about starting a home claim.
Need help starting your home claim? We’re here for you. 1-866-454-8910
Ready to make a home claim? Complete our online form to get started.Start a claim online
Before you make a claim, let's help you understand your coverage details. Review your coverage
What to do if your home has water damage.
Do you have water damage from pipes bursting, rain, or a toilet or bath overflowing? Don’t worry, we’re ready to help.
There are a few simple things you can do to prevent further damage:
Turn off your home’s main water lock-off tap (typically found in your basement where exterior water line enters your home.) This will prevent additional water from entering your home.
If it’s safe to do so, move all undamaged content from the affected area.
You can start to make note or a list of all damaged items in your home.
If you ever need help remembering these steps, or are unsure what to do next, don’t hesitate to contact us, and we’ll guide you through the process.
What to do if your house is damaged from wind and hail.
If your home has been damaged by wind or hail ‑ whether the damage was to your roof and shingles, trees and shrubs, or patio furniture, we’ll help make your claim experience as quick and simple as possible.
Here are some simple tips that will help get your claim started:
Noting the date the damage occurred.
Start a detailed list describing the damages to your home and personal belongings.
If wind or hail causes a power outage that results in lost freezer foods, you can include them in your list too.
What to do if there has been a theft or burglary in your home
Nobody likes to imagine that a theft could happen in their home, but it’s always good to be prepared. There are two simple steps you can take now that will make dealing with any theft claim easier later on.
Keep a file of all receipts, appraisals and manuals for all of the key contents in your home like a tv, computer or jewelry.
Keep pictures or videos of your rooms and contents.
These are both simple ways to help in the process if you ever need to start a claim.
In the event that a burglary happens, there are a few things you do to ensure your safety:
Call the police to report the incident and file a report and wait for instructions from them before entering your home.
You can start a list describing the damages and loss to your home, property and personal belongings.
When a theft occurs, we’ll make sure you’re ready. Make sure to have the police report information on hand when reporting your claim. We’ll then guide you through the claims experience.
Craig Richardson joined TD in 2000, and leads Claims Operations, which handles Automobile, Residential, and Life and Health claims across Canada. Based in Toronto, Craig brings over 20 years of experience to the business and a passion for delivering exceptional customer care. Craig and his team are always interested in hearing from TD Insurance customers about their claims experiences.
Travel Insurance Claims Centre
Whether you need medical attention while away on a trip, or plans change while on your trip due to an unexpected covered cause, TD Insurance is ready to help. That’s why our claims process is easily accessible by offering 24/7 customer support and a step-by-step guide on how to submit your claim.
If something does happen while you’re away, it’s important to contact our administrator. In a medical emergency, call our administrator immediately, or as soon as is reasonably possible. A delay could limit the maximum benefit payable under the policy to 80% of eligible medical emergency expenses, to a maximum of $30,000.
Please read our instructions below to submit your claim, to appeal a decision and for more information about our TD Travel Medical Insurance Plans.
Ready to make a claim?
1. Call us
Start the claims process by calling our administrator 24/7 at 1-800-359-6704 toll-free from Canada or the U.S., or from other countries by calling collect at 416-977-5040. Once you call, you’ll be sent a claim form within 2–5 business days. Or, you can also download our claims form online here:
Complete and submit the claim form with all required documentation outlined in the form.
You can email or return the completed claim form via mail or fax to:
TD Travel Insurance
Allianz Global Assistance
P.O. Box 277
Waterloo, ON N2J 4A4
3. Receive decision
You may be contacted for additional information that may be necessary as our administrator assesses your claim. You’ll be notified of our decision by mail.
How to appeal a decision
We’re ready to support you through the claims process and beyond. If you’re not satisfied with the outcome of your claim, you may appeal the decision by contacting our administrator by phone, mail or email:
Allianz Global Assistance
Attention: Appeals Department
4273 King Street
East Kitchener, ON, Canada
Residents of Saskatchewan: If you are a resident of Saskatchewan and would like to contact the Financial and Consumer Affairs Authority, please call 306-787-9006, email at email@example.com or mail FCAA, Suite 601, 1919 Saskatchewan Drive, Regina, Saskatchewan, S4P 4H2.
Certificates of Insurance
For the complete terms and conditions, including limitations and exclusions, please refer to your Certificate of Insurance: