Peel Mutual Auto Insurance

In Ontario, the provincial government has established a standard Auto Insurance Policy that all companies must offer. It was designed to give you and your loved ones basic protection, but there are still lots 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. That’s also why 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:

We are pleased to announce that effective January 1, 2016 we offer a Winter Tire Discount.

  • GenNow! Discount (Special discount for your children who own/drive their own vehicle)
  • 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)
  • Short commute to work Discount
  • Emergency Road Service Excess Coverage
  • Driver Training discounts
  • New Driver rates

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

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

There are numerous optional coverages you may want to consider:

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


When you insure your vehicle with us, we can provide coverage for your ATV. The law requires that all Off Road Vehicles (ORV) be insured under a motor vehicle liability policy. In Ontario, this means an automobile insurance policy. The proper way to protect yourself is to insure your ORV on an automobile policy.

Check with your broker or agent to make sure you have adequate protection.

The owner as well as the driver is liable for injury or property damage arising out of the operation of the Off-Road Vehicle.

Personal and farm liability policies are not considered motor vehicle liability policies in accordance with the Insurance Act. In fact, personal and farm liability policies usually exclude “the operation of any vehicle subject to motor vehicle registration” such as Off-Road Vehicles. Therefore they would offer no protection or defense against legal action.


When you insure your vehicle with us, we can provide coverage for your snowmobile.

A Trailmaster discount is available for motorized snow vehicles provided all operators are 40 years of age or over and all operators have remained accident and claims free for the last six years. You must have owned a snow vehicle throughout the past five years.

Check with your broker or agent to make sure you have adequate protection.


When you insure your vehicle with us, we can provide coverage for your boat.

Please note that Personal Liability policies may exclude claims made against you arising from the ownership, use, or operation of watercraft, unless coverage has been purchased specifically. Some policies may automatically include coverage but may restrict coverage to operation of watercraft up to a determined size and horsepower.

Check with your broker or agent to make sure you have adequate protection.