Winter Tire Discount

As part of the Government of Ontario automobile rate reduction plan, all insurers are required to provide a Winter Tire Discount as of January 1, 2016 for private passenger vehicles.   It appears that this is happening!  To be eligible for the discount the following is generally required:

  • The vehicle must have four winter tires installed from at least December 1 to March 31.
  • The tires must be certified as winter tires by Transport Canada and have the Alpine symbol.

This discount provides approximately 2-5% in savings.  At this time, it appears that confirmation of installation will not be required to apply the discount.  However, I would suggest that in the event of a claim it may be prudent to have proof of installation.   The above may vary slightly depending on the insurer. So, if you think you qualify for this discount call your broker!



What is UberX?  UberX is a mobile technology based ride sharing company.  Uber started as a company in March 2009 and by the end of 2015 its projected valuation is $50 Billion.  Uber passenger transport service is now available in 58 counties and 300 cities internationally.

There has been much controversy surrounding Uber, mainly because they have taken a bite into the market share of taxi services worldwide.

UberX and Insurance

Uber is a ride sharing service that matches riders with independent drivers who use their own personal vehicle to carry paying passengers.  Herein lies the problem.  At present, vehicles carrying passengers for compensation are underwritten on a commercial facility taxi policy.  This is because a private passenger automobile policy does not provide coverage for vehicles being used to carry passengers for compensation.
There are a number of myths in the media that suggest that if a Uber driver or passenger were involved in a collision, their insurance coverage would be recognized. The simple fact is, if the driver is working under a standard personal auto insurance policy and they have not informed their insurer or broker that they were using their vehicle for commercial purposes, coverage would not likely apply.  Insurers have said, specifically, that your personal auto coverage will be void if you use your vehicle to carry paying passengers in a ride sharing program.  The driver must have a commercial taxi policy to have adequate coverage.
Ride sharing is a new and innovative form of transportation and it does do not “fit” into the established rules and regulations.  Insurers and regulators are working diligently to find coverage solutions that specifically protect ride sharing programs.
As of September 22, 2015, most ride sharing drivers are not driving with adequate insurance.  It is estimated that upwards of 90% of Uber drivers are not upfront about ride sharing with their insurer.  This means that both drivers and passengers are not fully protected in the event of a collision.
Until the insurers and regulators develop a solution to adequately protect both driver and passenger you may want to think twice about becoming a Uber driver or Uber passenger!




“Everybody has got something greater in him than he ever knew.”  Norman Vincent Peale   “You may not remember what someone says or does, but you’ll never forget about how they made you feel.” Unknown   “Neither men nor women will ever win the battle of the sexes.  There’s too much fraternizing with the enemy.” Unknown button

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