Ontario winters are hard on drivers — and on claims. A little preparation protects both your safety and your premium.
Claim your winter-tire discount
Since 2016, Ontario insurers are required to offer a discount to drivers who install winter tires for the season. It's one of the easiest savings to claim, and it makes you safer on snow and ice. Just keep your receipt — we'll make sure the discount is applied.
Understand how winter claims affect your rate
A single at-fault accident can raise your premium for years. Accident forgiveness protects your rate after a first at-fault claim — worth considering before the snow flies. We'll explain whether you're eligible.
Other ways to save through winter
Bundling home and auto, insuring multiple vehicles, and keeping a clean record all stack with the winter-tire discount. If you drive less in winter, lower annual mileage can help too.
We re-shop your rate at every renewal so you're never overpaying. Get a quote and we'll find every discount you qualify for.