Auto Insurance

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 where someone is injured or killed, or their property is damaged and it was your fault. It also protects against lawsuits and claims.
• Direct Compensation
  This covers damage to your vehicle or its contents in the event of an accident that was caused by someone else. This coverage only applies in the province of Ontario.
• Uninsured Automobile Coverage
  This protects you and your family if there is damage to your vehicle or you are injured or killed by an unidentified driver or an uninsured motorist.
  
• Accident Benefit Coverage
  This provides you and your family with supplemental medical care and income replacement benefits, in the event that you are injured in an accident, regardless of who is at fault.

There are occasions where these basic, required coverages are simply not enough to adequately protect your unique needs or lifestyle. Speak with your agent about coverage increases to ensure that you are sufficiently protected.

Supplemental Auto Insurance Coverages

In addition to the standard coverages, we offer a range of supplemental coverages to fit your needs.

We’re A Different Type of Insurance Provider

Many companies offer auto insurance in Ontario, but not many of them have travelled the same roads or have roots in the same hometowns. HD Mutual is a mutual auto insurance provider, which means that we do things differently from the large, corporate insurers. 

We are proud to be a 100% Canadian-owned company, owned solely by its policyholders, and backed by one of the world’s most financially secure insurance networks: 35 mutual companies, known as Ontario Mutuals, providing strength, stability, and expertise.

When you become a policyholder with Halwell Dumfries Mutual, you become a member owner of the company. This means:

1. You have a voice.
   When you purchase an insurance policy with us, you’re more than a policyholder. You become a member of our company and your vote counts when important decisions are being made. 
2. You support your local community.
   When you pay your premiums, the money goes towards employing your neighbours, supporting the local economy, and investing in local projects.
3. You are treated with respect.
   When you need assistance, you will receive help from a caring and responsive team of professionals. You will never have to deal with a call centre.
4. You will receive great rates.
   When you have a policy with HD Mutual you are supporting the not-for-profit company, Ontario Mutuals. You can rest assured that your premiums are not going to a select group of shareholders.

Auto Insurance Discounts

Insurance is required by law and we will make sure that you are benefitting from the right coverage with the best premiums. Our team will review a wide range of discounts and bundling options to help make your auto insurance policy affordable.

Auto insurance discounts include:

• Multi-vehicle
  More than one vehicle.
• Multi-Line
  Clients who have home insurance or commercial insurance with us.
• Driver Training
  New drivers are credited with 3 years of driving history.
• Graduated Licensing
  New drivers who successfully progressed through the Ontario’s Graduated Licensing program on their first attempt.
• Winter Tires
  Use of winter tires during the winter driving season.
• Students Away From Home
  Children of our current auto insurance clients who are away studying.
• Partial Commute
  Work commutes less than 5km OR commutes 3 days or less per week.
• Mature Driver
  Drivers aged 50 and older.
• Retiree
  Retired drivers aged 65+ who are not engaged in employment.
• Loyalty
  Clients who have been with us for at least five years.
• Farmer
  Farmers who operate private passenger vehicles for the purpose of farming.
• Generational (GEN Now)
  Children of our auto insurance clients.

Talk to us to find out which discounts may apply.