Auto Insurance

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:

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.  

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.  

This provides you and your family with supplemental medical care and income replacement benefits, if you are injured, regardless of who is at fault.  

The optional coverages for auto insurance in Ontario include:

To enhance medical care options in the event of an accident. These may include income replacement, caregiver, housekeeping and home maintenance, catastrophic and non-catastrophic medical, rehab and attendant care benefits, death and funeral benefits, and indexation to inflation.  

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.  

A complimentary coverage to provide reimbursement for emergency road service.  

To protect the driving record of qualified drivers following an at fault accident.  

To protect the driving record of qualified drivers against their first minor conviction. The minor conviction will be ignored for rating and eligibility.  

To provide a replacement vehicle for your use, when your vehicle is out of service because of an insured loss.  

To protect your off-road vehicles in summer and winter. Offered to clients who bundle with home or auto. 

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:

Get The Coverage You Need

Let us show you the difference HD Mutual can make.

Leagal Information

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