Coverage Tailored to your Life
At HD Mutual, we offer both mandatory coverages, as required by the province of Ontario, and a selection of enhanced coverages to make sure that you are adequately protected.
Our agents and brokers aren’t just experts; they’re your neighbours, intimately familiar with our shared communities. We understand accidents happen, and that’s why we’re committed to delivered the exceptional service and local expertise you deserve.
Automobile Insurance in Ontario
HD Mutual offers the mandatory and optional coverage options to suit your needs.
The mandatory coverages for auto insurance in Ontario include:
Third-Party Liability Coverage
This protects you, and your family, in the event of an accident that is partially or wholly your fault causing injury or property damage. It also protects against lawsuits and claims.
Uninsured Automobile Coverage
This protects you and your family if there is damage to your vehicle or you are injured by an unidentified driver or an uninsured motorist.
Accident Benefit Coverage
As of July 1, 2026, the only mandatory accident benefits in Ontario are Medical, Rehabilitation, and Attendant Care benefits. These cover essential treatment and personal care costs regardless of fault. All other accident benefits will become optional.
The optional coverages for auto insurance in Ontario include:
Optional Accident Benefits
To enhance medical care options in the event of an accident. These may include income replacement, non-earner, caregiver, housekeeping and home maintenance, catastrophic and non-catastrophic medical, rehab and attendant care benefits, death and funeral benefits, and indexation to inflation. For more information on how these benefits change as of July 1, 2026, visit our resources page.
Direct Compensation
This covers damage to your vehicle in the event of an accident that was caused by someone else. This coverage only applies in the province of Ontario and although it is an optional coverage, it his highly recommended.
Emergency Road Service
A complimentary coverage to provide reimbursement for emergency road service.
Protection Plus
To protect the driving record of qualified drivers following an at fault accident.
Minor Conviction Forgiveness
To protect the driving record of qualified drivers against their first minor conviction. The minor conviction will be ignored for rating and eligibility.
Transportation Replacement
To provide a replacement vehicle for your use, when your vehicle is out of service because of an insured loss.
ATV, Off-Road Vehicle & Snowmobile Insurance
To protect your off-road vehicles in summer and winter. Offered to clients who bundle with home or auto.
Rental Vehicle Insurance
To extend your policy coverage to rental vehicles, allowing you to decline expensive rental agency insurance, depending on the geographic location, vehicle value, rental duration, and so on. Check with your agent or broker if coverage applies for your rental situation.
Let Us Build Your Package
Auto insurance rates are based on many variables from your age when you first obtained your license to your annual driving distance. There are also a wide range of discounts available depending on the insurer. Our experienced agents and brokers will review both required and optional coverages and ensure you are receiving the best price.
Auto Insurance Discounts may Include:
- Multi-vehicle
- Bundled with property insurance
- Graduating licensing for new drivers progressing to the next level on first attempt
- Winter tires
- Students living away from home
- Short or partial work week commute
- Mature drivers between 50 and 75 years of age
- Retirees
- Loyalty
- Farmers
- Children of insured parents (Generational)
