We offer various auto insurance coverage options to meet your needs, always ensuring that you and your vehicle are protected. Whether you’re looking for standard coverage or specialized policies, we take pride in underwriting your auto policy efficiently and competitively to ensure you receive the best protection for you.
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There are many factors that affect the amount of insurance you may pay on your automobile. It all depends on what you drive, when you drive, where you drive, how you drive and how often you drive.
Custom Auto Insurance Coverage Options
We understand that every driver in Ontario has unique needs.
That’s why we offer optional coverage add-ons, including:
Comprehensive Coverage
Protection against theft, vandalism, fire, and other non-collision-related damages.
Collision Coverage
Covers repair or replacement costs if your vehicle is damaged in an accident, regardless of fault.
All Perils Coverage
A combination of collision and comprehensive insurance for broader protection.
Loss of Use Coverage
Helps cover transportation costs if your car is in the shop after an insured event.
Rental Vehicle Coverage
Provides insurance when renting a vehicle for personal use.
Accident Forgiveness
Helps maintain your good driving record after your first at-fault accident.
Auto Insurance Discounts to Maximize Your Savings
We are happy to offer several discount options to policyholders based on specific circumstances, which include:
- Farm Vehicle Rates
- Multi Vehicle Discount
- Property Insured Discount – you will receive a discount on your auto policy if your property is also insured with HTM Insurance.
- Long Term Policyholder Discount
- Retiree Discount
- Elite Driver Rates – for drivers over 50 years of age
- Protection Plus – to protect your good driving record if you experience an at-fault accident
- Emergency Road Service Excess Coverage
Why Choose HTM for Your Car Insurance?
Finding the right auto insurance coverage shouldn’t be complicated. Let our knowledgeable agents or brokers help find the best coverage for your needs. Contact HTM Insurance today for a customized quote and start saving on your auto insurance.
Policy Wording
Refer to your policy declaration page for the coverages you have purchased from us. Your agent or broker is your best adviser.
| Description of Coverage | Coverage Code | Coverage Type | Current Wording | Previous Wordings |
|---|---|---|---|---|
| Minor Conviction Protection | FMCF03 | Additional Coverages and Exclusions, Automobile | Jun 2024 | |
| OPCF 49 – Agreement Not to Recover for Loss or Damage from an Automobile Collision (for Ontario Automobile Policy OAP 1) | OPCF 49 | Additional Coverages and Exclusions, Automobile | Jan 2024 | |
| Direct Compensation Property Damage / OPCF 49 Information Memo | Additional Coverages and Exclusions, Automobile | Jan 2024 | ||
| OPCF 27B – Business Operations – Liability for Damage to Non-Owned Automobile in your Care, Custody and Control | OPCF 27B | Additional Coverages and Exclusions, Automobile | Oct 2003 | |
| OPCF 28A – Excluded Driver | OPCF 28A | Additional Coverages and Exclusions, Automobile | Jun 2005 | |
| OPCF 20 – Coverage for Transportation Replacement | OPCF 20 | Additional Coverages and Exclusions, Automobile | Mar 1994 | |
| OPCF 27 – Liability for Damage to Non-Owned Automobiles | OPCF 27 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 27B – Business Liability for Non-Owned Automobiles | OPCF 27B | Additional Coverages and Exclusions, Automobile | Oct 2003 | |
| OEF 98B – Reduction of Coverage for Lessees or Drivers of Leased Vehicles | HTM-0945-0216 | Additional Coverages and Exclusions, Automobile | Feb 2016 | Aug 2013 |
| OPCF 40 – Fire Deductible | OPCF 40 | Additional Coverages and Exclusions, Automobile | Nov 2005 | |
| OPCF 32 – Use of Recreational Vehicles by Unlicensed Operators | OPCF 32 | Additional Coverages and Exclusions, Automobile | Jan 2012 | |
| OPCF 30 – Removing Coverage for Attached Machinery | OPCF 30 | Additional Coverages and Exclusions, Automobile | Jan 2012 | |
| OPCF 48 – Offset Tort Deductibles | OPCF 48 | Additional Coverages and Exclusions, Automobile | Sep 2010 | |
| OPCF 6A – Permission to carry paying passengers | OPCF 6A | Additional Coverages and Exclusions, Automobile | Jun 2008 | |
| OPCF 47 – Agreement not to rely of SABS Priority of Payment Rules | OPCF 47 | Additional Coverages and Exclusions, Automobile | Nov 1996 | |
| OPCF 23A – Leinholder Protection | OPCF 23A | Additional Coverages and Exclusions, Automobile | Nov 1996 | |
| OPCF 43 – Removing Depreciation Deduction | OPCF 43 | Additional Coverages and Exclusions, Automobile | Nov 1996 | |
| OPCF 17 – Reinstatement of Coverage | OPCF 17 | Additional Coverages and Exclusions, Automobile | Apr 1995 | |
| OPCF 19A – Agreed Value of Automobiles | OPCF 19A | Additional Coverages and Exclusions, Automobile | Nov 1996 | |
| OPCF 9 – Marine Use Exclusion | OPCF 9 | Additional Coverages and Exclusions, Automobile | Jun 1995 | |
| Declaration for Trailmaster Discount | FMDF01 | Additional Coverages and Exclusions, Automobile | Oct 1999 | |
| OPCF 5 – Permission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s) | OPCF 5 | Additional Coverages and Exclusions, Automobile | Jan 2007 | |
| OPCF 8 – Property Damage Reimbursement | OPCF 8 | Additional Coverages and Exclusions, Automobile | Apr 1995 | |
| OPCF 16 – Suspesion of Coverage | OPCF 16 | Additional Coverages and Exclusions, Automobile | Apr 1995 | |
| Protection Plus | FMCF01 | Additional Coverages and Exclusions, Automobile | Jun 2024 | Jun 2016 |
| Ontario Automobile Policy (OAP 1) | OAP 1 | Automobile, OAP 1 | Jan 2024 | Jun 2022 |
| Declaration for the Retiree Discount | Additional Coverages and Exclusions, Automobile | Nov 1996 | ||
| OPCF 13C – Restricting Glass Coverage | OPCF 13C | Additional Coverages and Exclusions, Automobile | Mar 1994 | |
| OPCF 19 – Limiting the Amount Paid for Loss or Damage Coverages | OPCF 19 | Additional Coverages and Exclusions, Automobile | Apr 1995 | |
| Emergency Road Service Excess Coverage | FMCF35 | Additional Coverages and Exclusions, Automobile | Jun 2024 | Oct 1999 |
| OPCF 43A – Removing Depreciation Deduction for Specified Lessee(s) | OPCF 43A | Additional Coverages and Exclusions, Automobile | Nov 1996 |
Testimonials
Other Products
At HTM, we strive to offer a variety of products to fit your every need, allowing you to have everything you need in one place. Our product offering includes Farm, Residential, Auto and Commercial policies, which you can choose from by working with one of our knowledgeable agents or brokers.
