How do I file a claim?
File a claim 24 hours a day, seven days a week.
Call our claims hotline at 1800-000-0000 to get things started.
Download an insurance claim form
Fill out the form below
Report a claim in minutes -however is easiest for you. Have us manage your repairs along with your claim, then track your vehicle's repair status and payments made on your claim. If you need help immediately, we can arrange for roadside assistance.
Drop off your damaged car, pick up a rental and go.
It's that easy.
>> Give us a call, day or night, and we’ll be there to lend a hand <<
Local access restrictions and additional local information
GT Digital Insurance Sites and all Content and functionality contained within them are not directed to or intended for use by any person resident or located in any country where the distribution of such Content or functionality is contrary to the laws, rules or regulations of such country. The same applies to any person resident or located in any country where such distribution is prohibited without obtaining the necessary licenses or authorisations and such licenses or authorisations have not been obtained. If any such local access restriction applies to you, you are not authorised to access the relevant GT Digital Insurance Site or use any of the Content on it.
Company information and website operation
GT Digital Insurance Sites are group-wide sites that include Content relating to GT Digital Insurance and its businesses. GT Digital Insurance Sites are provided by GT Digital Insurance Ltd (group holding company), a public stock company (Aktiengesellschaft) incorporated under the laws of Switzerland with registered and principal office in Zurich, Switzerland and registered under the number CH-020.3.036.183-8 (UID: CHE‑191.546.43) in the Commercial Register of the Canton of Zurich. GT Digital Insurance Ltd is listed in accordance with the International Reporting Standard on the SIX Swiss Exchange. The VAT number of GT Digital Insurance Ltd is CHE-116.291.855.
GT Digital Insurance Sites are operated on platforms (the “Platforms”, each a "Platform") of two service providers: Magnolia International Ltd. and Limelight Networks, Inc. with principal places of business in Switzerland and the U.S.A. (the “Service Providers”). The Service Providers have data centres in the USA and Switzerland and provide various services to GT Digital Insurance in connection with the operation of GT Digital Insurance Sites (the “Services”). The Service Providers own all right, title, and interest to all software, products, works, and other intellectual property created, used, or provided by such Service Provider including, but not limited to, the Platform and any other part of the Services. GT Digital Insurance Sites include various functionalities, including, but not limited to, log-in, commenting, posting, uploading, sharing subscription, RSS, ordering, downloading and printing functionalities. Certain functionalities of GT Digital Insurance Sites may not work unless you have installed appropriate software on your local station. It is the sole responsibility of each user to install the necessary software in order to effectively use GT Digital Insurance Sites.
Services and solutions
GT Digital Insurance makes no guarantee, representation or warranty that all services and solutions described on GT Digital Insurance Sites are appropriate or available for use in your country. Some services or solutions may not be available in all countries where GT Digital Insurance has business activities. Furthermore, some services or solutions may only be available to certain categories of persons. Therefore, please read carefully the relevant description on the respective GT Digital Insurance Site or request further information about the relevant service or solution.
Content available on GT Digital Insurance Sites has no regard to the specific objectives, financial situation or particular needs of any specific recipient. GT Digital Insurance does not guarantee, represent or warrant that any services or solutions discussed on GT Digital Insurance Sites are suitable for any individual or corporate recipient. No representation or warranty, either express or implied, is provided in relation to the accuracy, completeness or reliability of Content, nor is Content a complete statement of the services or solutions, markets or developments referred to therein. Content should not be regarded by recipients as a substitute for the exercise of their judgment. Any opinions are subject to change without notice and may differ or be contrary to opinions expressed by other business areas or members of GT Digital Insurance as a result of using different assumptions and criteria. GT Digital Insurance is not under any obligation to update or keep current the information about services and solutions contained on GT Digital Insurance Sites.
Content contained on GT Digital Insurance Sites is just for information purposes. The information is subject to, and must be read in conjunction with, all other publicly available information published by GT Digital Insurance. No Content available on a GT Digital Insurance Site constitutes a solicitation, an offer, or a recommendation to buy any services or solutions, to effect any transactions or to conclude any legal act of any kind whatsoever. You or your company may not rely on Content on a GT Digital Insurance Site for making any decision relating to services or solutions of GT Digital Insurance.
In making Content available, GT Digital Insurance gives no advice and makes no recommendation to buy, sell or otherwise deal in its shares, or in any other securities or investments whatsoever. The Content does not constitute or form part of, and should not be construed as, an offer for sale or subscription of, or solicitation of any offer or invitation to subscribe for, underwrite or otherwise acquire or dispose of any securities of GT Digital Insurance and it does not constitute an invitation or inducement to engage in investment activity under section 21 of the UK Financial Services and Markets Act 2000. None of the GT Digital Insurance securities have been, or will be, registered under the US Securities Act of 1933, as amended (the "Act"), and such securities may not be offered or sold in the United States except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Act and in compliance with state securities laws. The Content does not constitute an invitation to effect any transaction with, or to make use of any services provided by, GT Digital Insurance. Statements in Content as to historical performance or historical share price are not intended to mean that future performance or historical share price for any period will necessarily match or exceed those of any prior year. Nothing in Content should be construed as a profit forecast. The information and opinions are subject to change without notice.
GT Digital Insurance does not intend to provide legal or tax advice through any GT Digital Insurance Site.
Certain statements and illustrations contained herein are forward-looking. These statements (including as to plans, objectives, targets, and trends) and illustrations provide current expectations of future events based on certain assumptions and include any statement that does not directly relate to a historical fact or current fact.
Forward-looking statements typically are identified by words or phrases such as “anticipate”, “assume”, “believe”, “continue”, “estimate”, “expect”, “foresee”, “intend”, “may increase”, “may fluctuate” and similar expressions, or by future or conditional verbs such as “will”, “should”, “would” and “could”. These forward-looking statements involve known and unknown risks, uncertainties and other factors, which may cause the GT Digital Insurance’s actual results of operations, financial condition, solvency ratios, capital or liquidity positions or prospects to be materially different from any future results of operations, financial condition, solvency ratios, capital or liquidity positions or prospects expressed or implied by such statements or cause GT Digital Insurance to not achieve its published targets. Such factors include, among others:
the frequency, severity and development of insured claim events, particularly natural catastrophes, man-made disasters, pandemics, acts of terrorism and acts of war;
mortality, morbidity and longevity experience;
the cyclicality of the insurance and reinsurance sectors;
instability affecting the global financial system;
deterioration in global economic conditions;
the effect of market conditions, including the global equity and credit markets, and the level and volatility of equity prices, interest rates, credit spreads, currency values and other market indices, on the GT Digital Insurance’s investment assets;
changes in the GT Digital Insurance’s investment result as a result of changes in the GT Digital Insurance’s investment policy or the changed composition of the GT Digital Insurance’s investment assets, and the impact of the timing of any such changes relative to changes in market conditions;
the GT Digital Insurance’s ability to maintain sufficient liquidity and access to capital markets, including sufficient liquidity to cover potential recapture of reinsurance agreements, early calls of debt or debt-like arrangements and collateral calls due to actual or perceived deterioration of the GT Digital Insurance’s financial strength or otherwise;
any inability to realize amounts on sales of securities on the GT Digital Insurance’s balance sheet equivalent to their values recorded for accounting purposes;
changes in legislation and regulation, and the interpretations thereof by regulators and courts, affecting us or the GT Digital Insurance’s ceding companies, including as a result of shifts away from multilateral approaches to regulation of global operations;
the outcome of tax audits, the ability to realise tax loss carryforwards, the ability to realise deferred tax assets (including by reason of the mix of earnings in a jurisdiction or deemed change of control), which could negatively impact future earnings, and the overall impact of changes in tax regimes on business models;
failure of the GT Digital Insurance’s hedging arrangements to be effective;
the lowering or loss of one of the financial strength or other ratings of one or more GT Digital Insurance companies, and developments adversely affecting the GT Digital Insurance’s ability to achieve improved ratings;
uncertainties in estimating reserves;
policy renewal and lapse rates;
uncertainties in estimating future claims for purposes of financial reporting, particularly with respect to large natural catastrophes and certain large man-made losses, as significant uncertainties may be involved in estimating losses from such events and preliminary estimates may be subject to change as new information becomes available;
extraordinary events affecting the GT Digital Insurance’s clients and other counterparties, such as bankruptcies, liquidations and other credit-related events;
legal actions or regulatory investigations or actions, including those in respect of industry requirements or business conduct rules of general applicability;
changes in accounting standards;
significant investments, acquisitions or dispositions, and any delays, unexpected costs, lower-than expected benefits, or other issues experienced in connection with any such transactions;
changing levels of competition, including from new entrants into the market; and
operational factors, including the efficacy of risk management and other internal procedures in managing the foregoing risks and the ability to manage cybersecurity risks.
These factors are not exhaustive. The GT Digital Insurance operates in a continually changing environment and new risks emerge continually. Readers are cautioned not to place undue reliance on forward-looking statements. GT Digital Insurance undertakes no obligation to publicly revise or update any forward-looking statements, whether as a result of new information, future events or otherwise.
This communication is not intended to be a recommendation to buy, sell or hold securities and does not constitute an offer for the sale of, or the solicitation of an offer to buy, securities in any jurisdiction, including the United States. Any such offer will only be made by means of a prospectus or offering memorandum, and in compliance with applicable securities laws.
Market Data and analysts’ views
GT Digital Insurance uses GT Digital Insurance Sites to provide investors with data relating to GT Digital Insurance shares and possibly other GT Digital Insurance financial instruments listed or admitted to trading on the SIX Swiss or another Stock Exchange as well as a link to information about competitors’ shares (“Market Data”). GT Digital Insurance obtains such Market Data through Reuters or other third parties (“Market Data Vendors”). GT Digital Insurance can stop providing you with Market Data at any time without prior notice. The liability of both GT Digital Insurance and the Market Data Vendor for the accuracy or completeness of Market Data, for any delay or interruption of the supply of Market Data or for losses or damage that are incurred in any way in connection with the Market Data, including, but not limited to, any indirect or consequential loss or damage and lost profit, shall be excluded to the extent permitted by applicable law, rules and regulations. All rights to the intellectual property of or in respect of Market Data shall be retained by GT Digital Insurance or the relevant Market Data Vendor. You will strictly observe forwarding restrictions, if any, contained in such Market Data.
GT Digital Insurance Sites may include analysts’ views relating to GT Digital Insurance shares. Analysts’ views that are made accessible on GT Digital Insurance Sites are not necessarily shared by GT Digital Insurance and GT Digital Insurance does not confirm the content of analysts’ views by placing them on GT Digital Insurance Sites. GT Digital Insurance does not and is under no obligation to verify the content of the analysts’ views. The liability of GT Digital Insurance for the accuracy or completeness of analysts’ views made accessible on GT Digital Insurance Sites shall be excluded to the extent permitted by applicable laws, rules and regulations.
Storytelling, personal opinions and pictures
GT Digital Insurance Sites may include stories about reinsurance or insurance related topics (e.g. climate change). The stories may be incomplete or not entirely correct in a scientific sense. Furthermore, GT Digital Insurance Sites may include personal opinions that are provocative and arguable. Such personal opinions are based on the author’s interpretation of information available at the given time and do not necessarily reflect the view of GT Digital Insurance. Moreover, GT Digital Insurance Sites may include pictures that may be understood by users as not entirely appropriate in a particular context. The use of a picture in a particular context is based on the author’s discretion and does not necessarily reflect the view of GT Digital Insurance.
GT Digital Insurance allows storytelling, personal opinions and pictures on GT Digital Insurance Sites. Users must not understand them as statement of facts or review them applying scientific criteria. GT Digital Insurance does not wish and is under no obligation to verify the content of stories or personal opinions or the use of pictures on GT Digital Insurance Sites. The liability of GT Digital Insurance for any required accuracy or completeness of stories, the defensibleness of opinions and the appropriateness of the use of pictures shall be excluded to the extent permitted by applicable law, rules and regulations.
Third party statements and quotes
GT Digital Insurance Sites may include statements and quotes of third parties relating to GT Digital Insurance and its business operations. Such statements and quotes are generally labelled as information provided by third parties. GT Digital Insurance does not and is under no obligation to verify the content of third party statements or quotes on GT Digital Insurance Sites. The liability of GT Digital Insurance for the accuracy or completeness of such third party statements and quotes shall be excluded to the extent permitted by applicable law, rules and regulations.
GT Digital Insurance Sites may include information about future GT Digital Insurance or other events. Such information may not be accurate, for example, if an event is cancelled due to an insufficient number of registrations after the event information has been placed on a GT Digital Insurance Site. GT Digital Insurance is under no obligation to update or alter its information about future events as a result of new or revised information. Therefore, please verify all event information directly with the event organiser. GT Digital Insurance will not be liable for any costs incurred based on wrong event information on GT Digital Insurance Sites.
Content contained on GT Digital Insurance Sites is provided “as is” and “as available”. GT Digital Insurance, the Service Providers and third party Content providers give no guarantee, representation, warranty or condition, express or implied, statutory or otherwise, as to condition, satisfactory quality, performance, fitness for purpose, non-infringement, merchantability or otherwise in respect of GT Digital Insurance Sites or their Content. Without limiting the foregoing, GT Digital Insurance, the Service Provider and third party Content providers do not guarantee, represent or warrant the accuracy, timeliness, completeness, reliability or availability of GT Digital Insurance Sites or the information or results obtained from them (whether based on manual access, subscriptions, RSS-feeds or otherwise), or that GT Digital Insurance Sites or downloads (e.g. PDF, pictures, podcasts, videos) from GT Digital Insurance Sites are virus-free or error-free. All such guarantees, representations, warranties and conditions are excluded, except to the extent that their exclusion is not permitted by applicable laws, rules and regulations. Please also check disclaimers on or in respect of individual Content on GT Digital Insurance Sites (e.g. disclaimers on press releases, disclaimers on documents provided by third parties).
Both GT Digital Insurance and the Service Providers (without limiting the foregoing) disclaim all guarantees, representations, warranties and conditions with respect to the operation of the Platform and related software for GT Digital Insurance Sites, express or implied, including, but not limited to, the implied guarantees, representations, warranties or conditions of merchantability, fitness for particular purpose and the non-infringement. GT Digital Insurance and the Service Provider disclaim all guarantees, representations, warranties or conditions that the Platform and related software are not interrupted or error free. GT Digital Insurance and the Service Provider disclaim all guarantees, representations, warranties or conditions as to the results that may be obtained from the use of GT Digital Insurance Sites.
Neither GT Digital Insurance, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any indirect, special, incidental, consequential, punitive or exemplary loss, liability or costs, whether arising from negligence, breach of contract or otherwise and regardless whether the damage was foreseeable or not. Neither GT Digital Insurance, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any loss of profits, business or data. Neither GT Digital Insurance, the Service Provider, any third party providing Content, nor any of their respective affiliates, directors, employees, advisors or agents will be liable for any damage or loss (especially loss of data, alteration of data, or downtime) that may be caused to any equipment or software due to any viruses, defects or malfunctions in connection with the access or use of any GT Digital Insurance Site or downloads from any GT Digital Insurance Site (whether based on manual access, subscriptions, RSS-feeds or otherwise).
Intellectual Property Rights
Individual pages and/or sections of a GT Digital Insurance Site and its Content may be printed or saved for personal or internal use only. Such print-outs or savings, however, must retain all applicable copyright or other proprietary notices. You must not modify, copy, transmit, distribute, display, reproduce, publish, perform, license, frame, create derivative works from, transfer or use in any other way for commercial or public purposes in whole or in part any Content obtained from a GT Digital Insurance Site without the prior written permission of the owner of the relevant Intellectual Property Rights (whether that be GT Digital Insurance, the Service Provider or another third party). It is prohibited to systematically retrieve Content from any GT Digital Insurance Site to create or compile, directly or indirectly, a collection, compilation, database or directory (whether through robots, spiders, automatic devices or manual processes) without written permission from GT Digital Insurance.
The copyright in some Content available on GT Digital Insurance Sites belongs to third parties (“Third Party Content”).You must check copyright notices on or in respect of individual Third Party Content.
User Generated Content
You may provide Content to GT Digital Insurance by using relevant functionalities on GT Digital Insurance Sites, by logging-in, by e-mail or otherwise ("Submissions"). Furthermore, GT Digital Insurance may invite users to provide Submissions in own or third party surveys or polls and on a particular issue raised. If you provide Submissions to GT Digital Insurance, GT Digital Insurance is entitled, but not in any way obliged, to use and make available all or parts of your unmodified or modified Submissions on any GT Digital Insurance Site. GT Digital Insurance will not mention your name or contact details, unless you have agreed and you have logged in with an identified account. If you provide Submissions to GT Digital Insurance, you grant GT Digital Insurance all necessary rights, if any, or license to use, reproduce, distribute, modify, and publicly display your Submissions on any GT Digital Insurance Site for an unlimited period of time.
By communicating a Submission, you guarantee, represent and warrant that the Submission complies with applicable laws, rules and regulations and in particular:
Is legal, decent and truthful and not defamatory, unreliable, misleading or otherwise objectionable;
Does not harm others, in particular minors, or infringe their personal rights.
Users must not provide Submissions which:
Contain a virus, so-called Trojan Horse, or any other program that could damage data;
Amount to advertising material or unsolicited (so-called "spam") material;
Contain inaccurate warnings of viruses, defects or similar material;
Solicit or requests participation in any lottery, snowball system, chain letter, pyramid game or similar activity.
GT Digital Insurance may deny you access to GT Digital Insurance Sites at any time, in particular if you breach any of the above provisions.
If you subscribe to mailing services, provide comments or otherwise communicate with GT Digital Insurance through a GT Digital Insurance Site or e-mails provided on a GT Digital Insurance Site, you may be requested to provide your contact details, in particular your e-mail address. By providing your contact details you expressly agree that GT Digital Insurance retains your contact information and may contact you, in particular for the following reasons: requesting clarifications or additional comments; sending GT Digital Insurance publications; sending information about GT Digital Insurance events; asking for your participation in surveys or polls; sending information about services and solutions or other marketing information of GT Digital Insurance. However, GT Digital Insurance will not send out mass unsolicited e-mails or mails.
You may when first contacting GT Digital Insurance or at any time thereafter inform GT Digital Insurance that you would rather not receive any information or certain information (e.g. promotion material) from GT Digital Insurance. You may inform GT Digital Insurance through the general contact functionality provided on any GT Digital Insurance Site.
Links to and Feeds from External Websites
From certain GT Digital Insurance Sites you are able to obtain access to websites operated by third parties (“External Websites”) by means of links or RSS functionality. External Websites are not monitored or managed by GT Digital Insurance and we do not endorse or accept any responsibility for their content or operation. You access External Websites at your own risk. GT Digital Insurance does not accept any responsibility for any damage or loss you may suffer arising out of access to External Websites, including, but not limited to, damage or loss arising from your use of documents or other information found on External Websites.
Governing law / place of jurisdiction