Claims

1. Ensure everyone is safe and has received medical attention
2. If you can, move obvious valuables out of harm’s reach
3. Call us to report the claim.  A claims adjuster will then be assigned to handle your claim.
4. Keep receipts of any expenses and write down list of damages

1. If your home has been broken into, do not enter
2. Call the police and report the incident
3. Call us to report the claim.  A claims adjuster will then be assigned to handle your claims.
4. Keep a record of investigating Police including name, badge number and occurrence number

• Keep a written inventory schedule of your valuables including serial numbers, name, and model. Attach purchase receipts or appraisals of your jewelry, collectibles, electronic equipment, etc...
• A property inventory booklet can be found on this website or   Click here for a free download of Home Inventory Software
• Remember, should a loss occur, it is up to you to prove your loss! Take photos of your property or record by video and store in a safe place with other valuable papers.

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1. Stay calm, check to make sure that you and your passengers are all OK.
2. If it safe to do so, remove vehicles from roadway.
3. Exchange information with the other parties involved and write down all necessary accident scene information including:
   1. Date and time of accident
   2. Location of accident
   3. How accident happened
   4. Damage to your vehicle
   5. Damage to other vehicle
   6. Other driver involved:
      • 1) Driver’s name and drivers licence number
      • 2) Insurance Company and policy number
      • 3) Owner’s name, address and phone number
      • 4) Vehicle year, make, model and plate number
4. As soon as possible, report the accident to the local police department. 
   
   Click here for a Collision Report Form

   In London and other selected cities in Ontario, unless there are injuries, criminal activity or damage to property the police do not attend at the scene of the accident.  The accident must be reported to the local Police Reporting Centre. In London the Police Reporting Centre is located at 1001 Brydges St., London, ON.  The centre is open from 7:00 am to 11:00 pm.

   The Highway Traffic Act requires that all collisions where persons are injured, or where damage exceeds $1000, or where there is damage to highway property, must be reported to the police. 

5. Contact us to report the accident.  A claims adjuster will then be assigned to handle your claim.

• Studies show that most burglars attack during the daytime when dense bushes and trees protect them from view, and the building appears unoccupied
• One-third of burglars enter from the basement
• One-third of burglars force entry through a window or door
• One-third of burglars gain access from an unlocked/open door or window

• Secure your premises.
• Close blinds and curtains at night so that a burglar can't scope your belongings.
• Lock all doors and windows before leaving.
• Lock windows so that they can't be opened from the outside. If they can't be locked, you can pin them by drilling a hole through both window frames and inserting a bolt or metal pin. The pin must be easily removable for emergency situations.
• Home burglar alarm systems are a great deterrent. Even if you have an alarm system, don't neglect the other security measures available to you. An alarm provides an extra layer of security, but is no replacement for good common sense. Alarm owners should still do what they can to make sure their home is not an attractive target for thieves.
• Make your home look occupied at all times.
• Use timers to maintain normal lighting patterns.
• Leave a radio on when you are away from your home for short periods of time.
• Protect your valuables.
• Consider marking your valuables indelibly (engraved) with your driver’s licence or social insurance number.
• Take an inventory of your home with a videotape and/or photographs.
• Keep jewelry and other valuables in a safety deposit box or an unlikely place (i.e. not your bedroom).

• Keep your shrubbery cut back so that it doesn't block windows and doors.
• Secure window air conditioners from the inside.
• Illuminate as much of your property as possible.
• Exterior doors should be solid, not hollow. Metal doors provide the best protection against forced entry.
• Use a fencing style that would not conceal a burglar's activities. Remember if you can't see out, others can't see in.
• Secure any glass that is less than 40' from a door lock. Either coat exterior glass with an acrylic or polycarbonate to strengthen, or replace with laminated or tempered glass.
• Door hinges that are on the outside should have a non-removable center pin that can't be tampered with.
• Install deadbolt locks.
• Dogs are great deterrents to burglars. Even a strategically placed "Beware of Dog" sign can make a burglar think twice. Of course, vicious dogs are never a good idea. If your dog bites someone, you might find yourself in court.
• Place hinged security bars over basement windows. Remember to keep the key nearby for emergency exits.
• Pin sliding patio doors together when closed. Another easy security step is to drill a hole in the upper track and insert a screw that extends out into the runner to prevent the door from being lifted up and out of its track.
• Ensure that a burglar cannot access the roof from high trees or a ladder left outside.

• Don't put up a nameplate outside of your house with your full name. A burglar can use this information to look up your number in the phone book and call to see if you are home.
• Don't leave a note on the door or in the mailbox telling a friend/family member that you aren't home.
• Don't leave spare keys in an obvious place such as the mailbox or under the front door mat. This makes it very easy for a burglar to rob your house quickly without forcing entry.
• Don't leave cash and handbags in view in your home.
• Don't leave any doors unlocked when you are at the other end of the house or in the yard.

• Stop all mail delivery.
• Arrange for a neighbour to cut the grass or shovel snow.
• Cancel all deliveries during the time you will be away.
• Maintain normal lighting patterns by using electronic timers.
• Ask a neighbour to put one of their garbage bags in front of your house on collection day.
• Leave a radio on, with a timer if necessary to simulate normal use.
• Ask a neighbour to park in your driveway.
• Arrange for neighbours to pick up flyers.
• Don't talk about your vacation plans with strangers or service people.
• Use your work address on your luggage tags so a potential burglar won't know where your empty house is.
• If practical, remove valuables from your home. Small valuables should be stored in a safety deposit box.
• Lock garage door.

• That you will be away.
• How long you will be absent.
• Whether or not you will have a house sitter.
• The number where you can be reached.

• Always lock your vehicle
• Never leave your keys in the vehicle
• Avoid parking on the street when there are safer locations.
• Turn off your ignition whenever you leave your car
• Conceal items left in your car; keep things in the trunk. Never leave money or compact discs in the open
• Whenever possible, park your vehicle in a well-lit, well-guarded, highly visible area.
• Ask your neighbours to watch out for your vehicle and do the same for them
• Install an anti-theft deterrent such as car alarms or an ignition disabler.