Auto Insurance

It’s simple. When you have a claim, we’ll be there for you. Because we live here too.

In Ontario, the provincial government has established a standard Auto Insurance Policy that all companies offer. It was designed to give you and your loved ones basic protection, but there are still a lot of options you can add to that basic protection. That’s why you need an expert who will take the time to help you sort through the details. An expert who’s part of the Ontario Mutuals family.

Mandatory coverage

This is the minimum protection required by law in Ontario. If you don’t have it, you can be fined or may lose your license, and your vehicle can be impounded. Plus, if you’re sued for damaging someone’s personal property or for injuring or killing someone, you’ll have to bear the cost on your own.

Optional coverage

Beyond mandatory coverage, there are options you may want to consider.

These include:

  • Higher accident benefit limits
  • Driving record protection
  • Emergency roadside service
  • Transportation replacement
  • Rental vehicle liability
  • Coverage for off-road vehicles and snowmobiles


fall foliage and highway

Ways to Save

You could be eligible to save more if you insure other vehicles or your home, farm or business with your Mutual. Seniors, retirees, new drivers, students living away from home, drivers with a short commute and drivers with theft deterrent devices could also qualify for added discounts. Based on specific circumstances, Mutuals policyholders can receive discounts on a wide variety of situations:

  • Farm Vehicle Rates
  • Multi Vehicle
  • Multi Policy
  • Long Term Policyholder
  • Retiree
  • Elite Driver Rates – for drivers over 50 years of age
  • Short Commute to Work – if less than 5km
  • Driver Training
  • Student Away at School
  • New Driver

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