We’re here to help

We understand that this can be a stressful time and we’re here to help resolve your claim as quickly as possible.

Learn how to file a claim

Looking to file a claim?

Opening a claim is easier than you think.

Select your product on the left and follow the simple steps designed to help you through the process.

Mechanical Breakdown Protection – How to make a claim

Experiencing an unexpected breakdown can be stressful. We try to make this part as easy as possible.

To file a claim, follow these simple steps:

  1. Take your vehicle to a licensed repair facility
    Take your vehicle to the dealership that issued your policy/contract. If not possible, an alternative repair facility may perform necessary repairs.
  2. Provide the repair facility with a copy of your policy and/or policy number
    If you cannot locate your policy, you can contact your issuing dealership or our Customer Service team at 1-866-287-6218.
  3. The repair facility will assess your vehicle and confirm coverage
    Before any work begins on your vehicle, your dealership will confirm all repairs covered under your policy and any repairs you may need to pay for, so you’ll know exactly what to expect.
  4. Pay any applicable deductible(s)
    Once you’ve paid the deductible, we’ll take care of the logistics.
  5. Claims payment
    Payment will be made to the repair facility for the cost of work performed on the vehicle that is covered by your policy, minus any deductible(s).

Mechanical Breakdown Protection – Emergency repairs

If an emergency breakdown occurs which requires a repair to be made while our customer support office is closed, you must contact LGM Financial Services on the next business day to determine if the repairs are covered.

Mechanical Breakdown Protection – Frequently asked questions (FAQs)

  • Where can I get my vehicle repaired?
    You should take your vehicle to the dealership that issued your policy whenever possible, a reduced deductible may be available. However you can repair your vehicle at a licensed repair facility.
  • How can I monitor my claim status?
    Your selected repair facility can provide status updates. Alternatively, you can call our claims representatives at 1-866-287-6200 to check on the status of your claim.

Loan Protection – How to make a claim

Experiencing an unforeseen life event is never easy, which is why we want to make this process as simple as possible.

SecureDriveTM Loan Protection is underwritten by Co-operators Life Insurance Company (Co-op Life). All claims are handled and administered by CUMIS Life Insurance Company (CUMIS Life).

To file a claim, follow these simple steps:

  1. Call CUMIS Life
    Call CUMIS Life at 1-855-587-8595 to speak with a Client Service Representative to initiate the claims process.
  2. Within 48 hours you will receive a call back from a Claims Examiner who will gather all the relevant details regarding your loss
    The Claims Examiner will advise you of what to expect next and answer any questions.

Not sure if you should make a claim? Just ask.
We’re happy to answer your questions and help you decide.

Please note: Claims must be submitted within 90 days of the date of occurrence

Loan Protection – Frequently asked questions (FAQs)

  • Who underwrites SecureDriveTM Loan Protection?
    SecureDriveTM Loan Protection is underwritten by Co-operators Life Insurance Company. For more information, visit https://www.cooperators.ca/
  • If my claim is approved, how will I be paid?
    Co-op Life will issue a cheque directly to your Creditor on your behalf.
  • How do I know my claim will be paid?
    Learn more about Pre-Existing Condition’s before you submit your claim.
  • How does the Pre-Existing Condition (PEC) work?
    If you had symptoms or were treated for a medical condition within a specified period of time before your Insurance Coverage began, no insurance benefits will be paid if your death, critical illness or total disability occurs within a specified period of time after your Insurance Coverage began. These specified periods of time are shown together on your Insurance Enrolment as the Pre-Existing Condition exclusion period. Example:
    Your Pre-Existing Condition Exclusion Period shown on your Insurance Enrolment is “6/6”. You had symptoms and as a result, you were treated for a heart condition five months before your coverage began. If you died, were diagnosed with a critical illness, or first became totally disabled, because of your heart condition, and your coverage had been in effect for less than six full months, we would not pay insurance benefits.
    However, as long as you met all eligibility requirements for enrolment on the effective date of insurance shown on your Insurance Enrolment, we would pay insurance benefits if you died, were initially diagnosed with a critical illness, or first became entirely disabled from your heart condition, any time after your coverage has been in effect for six full months.
  • What is the maximum term of benefits if a disability claim is made?
    Essential and Essential Plus: for all disability claims, you can receive a maximum of six monthly payments (per occurrence) during the term of the insurance, more information can be found on the enrollment form.
    Carefree: for all disability claims, the maximum term of benefits is the loan term.
  • What is the maximum term of benefits if a Loss of Employment claim is made?
    You can receive a maximum of six monthly payments (per occurrence) during the term of the insurance, more information can be found on the enrollment form.
  • You have a 30 day non-retroactive elimination period and you’re off work for a total of 65 days, how does it work for payments?
    You are responsible for regular loan or lease payments during the 30 day non-retroactive elimination period and while the claim is under review. Once the 30 day non-retroactive elimination period has been satisfied and if/once the claim is approved, a payment would be issued providing benefits from the 31st day through the 65th day. The claim benefit payment is paid directly to the creditor. It is then the responsibility of the creditor to reimburse you for any payments made or to apply the payment directly to the loan/lease.

Anti-Theft – How to make a claim

Experiencing a vehicle theft can be distressing. We try to make this part as stress-free as possible.

To file a claim, follow these simple steps:

  1. File a Police Report
    You must file a report with police within three days of the date of loss of your vehicle.
  2. File a Loss Report
    You must file a loss report with your insurance provider for the theft of your vehicle within three days of the date of loss.
  3. Contact SecureDriveTM
    You must report the loss of your vehicle within thirty days of the date of loss.

Please provide the following:

  • Copy of Police Report
  • Copy of Insurance Claim

If your vehicle is recovered within thirty days from the date of loss, please file your claim within sixty days from the date of loss.

If your vehicle is unrecovered within thirty days from the date of loss or declared a total loss by your insurance provider, please file your benefit claim within sixty days from the date of loss.