Ayr Farmers Mutual markets the standard government-regulated Ontario Automobile Policy. We take pride in underwriting the policy efficiently and competitively. 

There is a wide range of coverages and discounts available to policyholders based on specific criteria. Ask your Agent or Broker for the right Insurance package for you.


PROTECTION PLUS

If purchased, this option protects your good driving record if you are at least six years accident free. In the event of your first "at fault" accident, you keep your accident free rating! (This protection cannot be applied to accidents resulting in any criminal code or major Highway Traffic Act violations.)

HIGHER ACCIDENT BENEFIT LIMITS

If you are concerned that the standard Accident Benefit Limits may not be adequate to meet your needs following an automobile accident, increased limits can be purchased.

EMERGENCY ROAD SERVICE

This coverage reimburses you for towing and emergency service up to $50.00 per emergency. The coverage pays in excess of (or in absence of) any auto club, manufacturers or dealers warranties or credit card programs. The cost of parts or fuel does not qualify. This coverage is included at no additional charge when your private passenger vehicle is insured for "Collision and Comprehensive" or "All Perils" physical damage coverage.

TRANSPORTATION REPLACEMENT

If purchased, this option pays for the rental of a substitute vehicle while your vehicle is out of service due to a loss that your vehicle is insured against.

 

RENTAL VEHICLES - LIABILITY FOR DAMAGE TO NON-OWNED AUTOS

When this option is purchased for your private passenger or travel trailer, you no longer have to buy the physical damage insurance coverage sold to you as a daily rate when you rent a car.

 

ATV’s and SNOWMOBILES 

All terrain vehicles and snowmobiles must be insured on an automobile policy. The driver must carry proof of insurance at all times.

 

DISCOUNTS

Be sure to ask your agent or broker about the wide range of discounts available.


The following brochures highlight information about some of our products and coverages:

 

BLOG POSTS

Ayr Digs Downtown Giveaway

Monday, July 16, 2018

DO YOU DIG DOWNTOWN AYR? We sure do... Enter the #AYRdigsDOWNTOWN Giveaway! We're giving away 4 gift certificates to some of our business partners that are affected by the road work in downtown Ayr! Keep up to ... Read more

Insurance for Buildings Under Construction or Renovation

Monday, April 09, 2018

The thought of building something new is exciting. You’ve saved for a long time to build your dream kitchen, to expand your home with an addition or to build a new barn, workshop or garage. Most people consider ... Read more

Refund of Premium 2018

Friday, January 26, 2018

Within the company by-laws the Board of Directors at Ayr Farmers Mutual is granted the ability to declare a refund from premiums to participating Policyholders. Such a consideration is based on the company’s ... Read more