CONTACT US AT:
519-666-0075 or toll free at 1-800-851-4045

After hours our emergency claims reporting number can be accessed through our number above.

Middlesex Mutual Insurance Co. stakes its reputation on settling claims quickly and fairly. As a policyholder of this company, you can be assured that when a mishap occurs, we will be there, right beside you to help pick up the pieces. You will also have the peace of mind knowing that your mutual has the financial strength and ability to look after you.

When it comes to claims, our mission is:

• To always treat you with respect
• To deal with you in the utmost good faith
• To be prompt
• To be efficient
• To be fair


• To be there when you need us most.




Middlesex Mutual policyholders can report a loss by contacting their agent or broker, or our office at 519-666-0075 or toll free at 1-800-851-4045. Please use the same numbers for after hours emergency claim reporting. The aftermath of a loss can be difficult. Middlesex Mutual is here when you need help most.

What to do after an automobile accident...
The most important thing to do is to make sure everyone is okay. Life and health are more important than vehicle damage.

Inspect your car and make note of damages to all the vehicles involved. Exchange information with other drivers. Write down names, addresses, and license numbers of everyone involved including witnesses. For a great reference use our Glove Box Accident Reporting Form to gather all of the information you will need when involved in an accident.




If the damage is over $1000 you must call the police. (As a rule of thumb if you are not sure of the amount, call the police). Make notes about special circumstances such as the visibility, the road condition, or the weather. Go to the police reporting center located at 1001 Brydges St. in London if a motor vehicle accident occurred within city limits.




Notify your agent or broker or Middlesex Mutual Insurance Co.





After An Injury as a result of a motor vehicle accident


Promptly report any injury to our claims adjuster, Lisa Boylan, at our Middlesex Mutual office. All injuries must be reported within seven days from the date of the accident.
Keep all receipts related to any emergency expenses; ambulance, parking, prescription medication, etc.., so you can submit them for reimbursement if you are deemed eligible to do so.

What to do after a loss at your home...
Knowing what to do after an injury or property loss occurs can make the experience less stressful and decrease the chance of unnecessary complications.

After a property loss you should:


• Promptly report the loss to your agent or broker, or the Middlesex Mutual office
• Protect the property from further damage or loss
• Retrieve your home inventory list and any sales receipts or photos from their safe-storage location off premises
• Make reasonable temporary repairs to protect the property
• Keep an accurate record of repair costs
• If the loss is caused by theft, notify the police
• If the loss involves a credit card or bank fund transfer card, notify the credit card company or bank immediately

After an injury...


• Promptly report it to the Middlesex Mutual office


• Obtain names and addresses of any witnesses

Don't voluntarily make payments, assume obligations or incur expenses, except for emergency first aid at the time of the bodily injury. Help us to help you. The more information you can give us about a loss, the more we can do to handle your claim quickly and efficiently.

Begin gathering information and keep in mind that you are the best person to tell us what happened. Be prepared to provide as many details as possible about stolen items or any damage and circumstances surrounding a fire. This information can be critical in settling a claim.

Your Property policy will cover your possessions, but did you know...


That items such as jewellery, numismatic property, collections, silverware, monies, securities, watercraft, antiques and bicycles as well as other items are limited as to values. Some of these items may be increased by insuring them separately.

Due to inflation, a review of your building coverages is recommended to ensure that you are adequately protected. Any auxiliary heating systems in the dwelling, e.g woodburning stoves, must be noted on your policy. Coverage could be affected if the company is not notified.




Your policy may limit or exclude claims arising from any type of business operated from your residence. You should notify your broker or agent of any changes in your policy. Antiques are insured on an actual cash value basis and not on a replacement cost basis.