We start with the lowest possible rates for responsible homeowners / renters and good drivers 55-plus. You may be able to take advantage of these discounts to save even more:

Home insurance discounts

• Combined Policies: Save when your property policy is packaged with an automobile policy.
• Renewal / Loyalty: Some insurers may offer savings in recognition of their valued, renewing customers.
• Home Alarm: Save if your home is equipped with an approved, centrally monitored, burglar and fire alarm system.
• Mortgage-Free: Save if your home is mortgage-free.
• Claim-Free: Save if you’ve been claim-free for a specified period.
• New Home: Save depending on the age of your insured home.
• Credit Information: You could obtain an additional discount when buying or renewing your home insurance. By providing the insurance company with consent to access to your credit information, you could save as much as 60%. It’s secure and confidential.

Auto insurance discounts

• Combined policies: Save when your automobile policy is packaged with a property policy.
• Recreational Vehicles: Additional savings may be available for policyholders who add coverage for all-terrain vehicles, snowmobiles, motorhomes, and motorcycles to their automobile insurance policy.
• Renewal / Loyalty: Some insurers may offer savings in recognition of their valued, renewing customers.
• Graduated Licensing: Savings may apply for Ontario residents transitioning from a beginner’s drivers license (G1) to a G2 or a full license.
• Retiree: Savings for qualifying principal operators who are retired.
• Multi-Vehicle: Savings for each additional, qualified vehicle you include on your policy.
• Conviction-Free: Some insurers may offer savings if you have a clean record.
• Student Away From Home: Discounts may be available for a qualifying student who is away at school.
• Winter Tire Discount: You may be eligible for a discount on your auto insurance premium if your vehicle* is equipped with four winter tires. To qualify, you must install and maintain four winter tires on your vehicle during the winter season, as per insurer’s specifications.

Please note that not all discounts are available in all jurisdictions. *Vehicle refers to private passenger (personal) automobiles including pick-up trucks and passenger vans.