Formal notice to an insurer for payment of a claim Quebec
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Free template to adapt to your situation: replace the sample information (names, addresses, dates, amounts, references) with your own.
FreeDemand letter (formal notice)Word · PDF · No sign-up
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[Your name]
[Address]
Policy no. [___]
[City], [date]
FORMAL NOTICE – BY REGISTERED MAIL
[Insurer’s name]
[Claims department]
[Address]
Re: Claim no. [___] – Loss of [date]
Sir or Madam,
On [date], I suffered a loss covered by my policy no. [___]: [describe: water damage / theft / fire / ___]. I notified you on [date] and sent you my proof of loss and supporting documents on [date].
More than 60 days have passed and you have [not paid the indemnity / refused coverage without valid reason / offered an insufficient amount of $___].
Under article 2473 of the Civil Code of Québec, the insurer must pay the indemnity within 60 days of receiving the statement of loss. I therefore put you on notice to pay the sum of $[amount] within 10 days, failing which I will institute proceedings for the indemnity, interest and damages, without further notice [and file a complaint with the Autorité des marchés financiers].
[Signature]
[Name]
Free, no sign-up. Replace the sample information with your own.
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Drafting notes
- The insurer must pay within 60 days after receiving the statement of loss or the information it requested (art. 2473 C.C.Q.).
- Any clause depriving the insured of rights granted by the Code’s insurance provisions is null (art. 2414 C.C.Q.).
- Insurers must have a complaint policy; unresolved complaints may be transferred to the AMF.
How to use this template
- Download the letter in Word or PDF with the button above.
- Adapt it to your situation: your contact information, the recipient’s, the facts, dates and amounts.
- Send it with proof of delivery (registered mail or bailiff) and keep a copy.
About the author
Sonia Pin Legal counsel, business law
Sonia Pin is a legal professional specializing in business law and commercial litigation. She drafts and updates the contract and letter templates published on Avocat Montréal, with a focus on Quebec civil law (Civil Code of Québec) and the practical requirements of the courts and administrative tribunals.
