Policy Summaries
----- Automobile Insurance
----- Residential Insurance
----- Farm Insurance
----- Business Insurance
How to file a claim
Safety Products

Automobile Insurance is standardized in Ontario under the Auto Insurance Rate Stability Act. We write business through local agents/brokers because they know their communities, and they can best represent you and your needs. We help our agents/brokers by providing them with quality insurance products and competitive discounts:

• Farm Vehicle Rates
• Multi-Vehicle Discount
• Property Insured Discount (insure your home with us, and we will give you a discount on your automobile policy)
• Long Term Policyholder Discount
• Retiree Discount
• Elite Driver Rates (special rates for drivers 50 and over)
• Protection Plus (special coverage available to protect your good driving record in the event you have an at-fault accident)
• Emergency Road Service Excess Coverage

The What, Where, When and How of Auto Insurance

What you drive, where you drive, when you drive, how you drive and how much driving you do can influence the amount you pay for automobile insurance.

You could pay more for auto insurance if you:

• Are responsible for an accident
• Are convicted of numerous or serious traffic violations
• Purchase a “high risk” automobile (one that costs more, or is more prone to theft or damage)
• Move to a larger city
• Start driving to work or driving farther to work
• Add a new driver to your policy

How to Save on Your Auto Insurance

• Drive safely: At-fault accidents and traffic convictions increase your premium
• Raise your deductibles: Higher deductibles result in lower premiums
• Drop unnecessary coverage: If you have an older vehicle, consider dropping collision coverage