Winter tires, when to expect your discount

Published: January 15, 2016

Updated: July 24, 2018

Author: Luke Jones



Last year the Ontarian government mandated that auto insurance providers would have to offer discounts on premiums for customers who install winter tires. However, while this is most certainly true there has been some confusion regarding when exactly discounts would be made, with some having to wait until the end of a policy.

Shop Insurance Canada discussed this matter in a news post last week and as a follow up it may be good to highlight which auto insurance providers in Ontario are offering mid-policy discounts and which are waiting until a policy has ended and is up for renewal.

All insurance providers in the province have to offer the discounts from Jan. 1st, 2016 for all customers with winter tires installed, but it makes interesting reading to see that 20 of the 50 auto insurance companies in Ontario already offered winter tire discounts. Regardless, if you are wondering when you will get your discount, this list of some of the major auto insurers in Ontario should clear things up:

Aviva Canada and all affiliates – Aviva Canada and its subsidiary companies like Scottish & York allow customers to receive discounts mid-policy.

Desjardins Insurance – The Quebec provider will also give customers discounts when they install tires and will not wait until the end of a policy.

Intact InsuranceOntario’s largest auto insurance provider, Intact Insurance, is following the lead of its biggest rival Aviva by offering mid-policy winter tire discounts.

CAA Insurance – Is also giving its customers mid-policy discounts.

TD Insurance Meloche Monnex and RBC Insurance – The two major bank owned insurance providers say that they will wait until a policy is ended to offer any discounts on a renewal.

While consumers having to wait may be frustrating, there is little that can be done as the Financial Services Commission of Canada (FSCO) can only govern whether a provider does make the discounts, not when it does so.