Yes, we're open!

Dear valued Direct Rate Insurance client: Unfortunately, due to the COVID-19 emergency causing extremely high traffic volume on the national phone system, wait times may be longer than usual. Should you get a message that the line is not in service, know that we remain open and ready to serve you. We recommend that you register for online self serve to submit your request. You may also try calling again. Either way, we’ll take care of you! For highlights of the federal government's COVID-19 financial relief programs click here.

Accidents Happen. That's why you buy insurance.

Determining what to do next. That’s why you call us.

We realize the stress and confusion that comes with dealing with a claim. Since we work for you, we’re on your side and can help steer you through the claim process. Call us first.

Phone: 1-855-754-0350

Mon - Fri 8:30am - 5pm

Email: service@directrate.ca

24/7 Emergency Claims Service and After Hours Assistance

In the event of an emergency claim, please call the appropriate number below:

  • Aviva Canada 1-866-692-8482
  • Chieftain Insurance 1-800-268-5371
  • Economical Insurance 1-800-607-2424
  • Elite Insurance 1-866-692-8482
  • Pembridge & Pafco Insurance 1-800-387-0462
  • Royal & Sun Alliance 1-800-319-9993
  • Travelers Canada 1-800-661-5522
  • Zenith Insurance 1-800-668-8158

Claims Counselling

One or more claims may cause your rates to increase. Depending on the circumstances and estimated repair costs, you could save money in the long run if you pay for minor damages out of pocket instead of submitting a claim. If you have a long history of being a careful and competent driver, you may qualify for preferred rates or additional discounts. Keeping your driving record clean helps keep your rates low. We want you to understand the impact a claim can have on your rates now, and in the future, so you can make the decision that’s right for you.