A declaration under oath gives more weight to the facts alleged in a claim, which can speed up its processing — or become necessary when the insurer suspects an anomaly and requires formal confirmation before paying.
In what situations is it requested?
- an auto insurance claim following an accident or theft;
- a home insurance claim following damage (water damage, fire, theft);
- loss or theft of covered property, with no other witness to the event;
- a disputed claim where the insurer requires additional confirmation.
What should the declaration contain?
- the declarant's identity and policy number;
- a precise, chronological description of the event;
- a list of the property or damage concerned, with estimated value;
- a statement of truthfulness.
Does the insurer always require a declaration under oath?
No — it depends on the nature and value of the claim, as well as the insurer's practices. Always check the exact requirements stated in your policy or by your agent.
Can it be sworn online?
Yes, when the document and situation are eligible for remote oath commissioning, by videoconference.
Online oath commissioning in Québec: how does it work?
Assermentation Express
Assermentation Express is not an insurer and does not determine whether your claim will be accepted. This service is limited to receiving the oath or solemn affirmation on a document already prepared.