By now you should have winter tires installed on your vehicle, not for an insurance discount but for your safety and that of your family. With winter tires, your vehicle will be best able to handle Canadian winter roads.
Winter tires are built to withstand the drop in temperature that stiffens other tires. They are designed with special rubber that stays soft in cold temperatures. This helps the treads of the tire to grab minor protrusions on the ice-cold pavement, giving the driver improved control of the vehicle.
Winter tires result in superior performance over other tires when temperatures fall below 7 degrees Celsius.
Every insurance company handles the discount differently. Some require winter tires by installed on your vehicle before November 1st. Meanwhile, others require installation before December 1st. The tires must remain on your vehicle until the end of March or early April.
- Aviva: November through April
- Intact: December through March
- Jevco: December through March
- Travelers: December through March
In order to qualify for the discount, all four tires must be certified as winter tires by Transport Canada and have the Alpine symbol. Your vehicle must also carry the following coverages: Liability, Direct Compensation, Property Damage, and Accident Benefits or Collision coverage. The value of the discount varies across companies and may be applied either upon renewal or automatically as of January 1, 2016.
Please check with your broker to discuss which coverage options are available to you and ensure this discount will reduce your premium in the future.