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Answers to Your Winter Tire Discount Questions

As of October 2015, the Ontario Government made it mandatory that all insurance providers provide a winter tire discount as part of the government’s commitment to reduce insurance premiums. While this is great news for our clients, there has been some confusion, so we took your top questions and have answered them here:

How do I get the winter tire discount?
If you regularly use winter tires, just call your broker and let them know. Depending on the requirements of your insurance company, it may be as easy as that!

How much of a discount can I expect to see?
The discount amount depends on your insurance company, but they’re mostly in the 2% to 5% range. Some policies require that you have the snow tires on for certain periods of the year, or only offer a seasonal discount, so it’s best to check with your broker if you’re unsure.

Do I need to prove I have winter tires in order to get a discount?
Depending on your insurance company, telling your broker that you have winter tires may be all they need. Other insurance companies may require more proof. Proof of winter tire installation may include a picture of the tires installed on your vehicle or a purchase receipt for either the tires or the tire installation.

Do I need to tell my broker that I have snow tires every year in order to keep my discount?
While it isn’t completely necessary, it’s still a good idea to let your broker know that you are still using your winter tires when you talk to them. Your broker may follow up with you in a few years’ time to make sure that you’ve purchased replacement winter tires, but your discount won’t automatically be taken away if your winter tires aren’t verified every year.

Are Winter Tires Mandatory in Ontario?
While winter tires aren’t mandatory in Ontario, the provincial government and insurers support the increased road safety they offer during the winter months, which is why they are offering a discount to drivers who use them.

Don’t see your question here?
If you have any additional questions, or would like to make sure you are receiving your winter tire discount, call your broker or message them today!