Winter tires on? Make sure you’re getting the discount.
In Ontario, every auto insurer must offer a discount for winter tires. Conditions vary by insurer, so it’s worth checking that yours is applied, and whether your price is still competitive before renewal.
No obligation. Nothing changes without your approval.
- Licensed broker (RIBO)
- English or French
- Weekends available
- A real person, by phone
What to know about the discount
Insurers must offer it
Ontario requires every auto insurer to offer a discount if you install winter tires on your vehicle.
Conditions vary
Each insurer sets its own rules, such as four winter tires and the months they must be on.
Tell your insurer
The discount usually depends on your insurer knowing you have winter tires, so let your broker know when they go on.
What Frank checks
- Whether the winter tire discount is on your policy
- Your insurer’s conditions, such as number of tires and dates
- Other discounts you may be missing
- How your price compares with other insurers before renewal
- Your accident benefit choices since July 1, 2026
How it works
- Send a short requestPick a time for a call and add documents if you have them. It takes a few minutes.
- Frank reviews and comparesA licensed broker looks at your situation and compares options.
- You decideTalk it through by phone. Nothing changes without your approval.
What to have ready
- Your current auto policy
- The receipt or invoice for your winter tires, if you have it
- Your renewal date
- Your vehicles and drivers
Don’t have everything? Send what you have and Frank will ask for the rest.
Common questions
Which tires qualify?
Winter tires carry the three-peak mountain and snowflake symbol. Some all-weather tires carry it too; ask whether your insurer accepts them.
Do I need proof?
Some insurers ask for a receipt or invoice, so keep yours handy.
How much is the discount?
It varies by insurer. Frank can tell you what yours offers and compare it with others.
Can I add it in the middle of my policy?
Usually, yes. Let your insurer or broker know when the tires go on.
Don’t leave a discount on the table
Send a quick request and Frank will check your policy. No obligation, and nothing changes without your approval.
Prefer email? Write to Frank.tereraho@insureu.ca.
More reasons to review your insurance
Sources: FSRA: ways to save on auto insurance · Ontario: winter driving
Frank Tereraho is a licensed insurance broker (RIBO) affiliated with InsureU Brokers Inc., 135 Laurier Ave W, Ottawa, ON. This page is general information, not advice. Savings are not guaranteed. Quotes and coverage depend on each insurer’s underwriting and policy wording.