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

Trees, Lawns, Shrubs and Plants - Are They Covered?

Tuesday, July 04, 2017

When was the last time you thought about insurance coverage for that tree in your yard? Our guess: likely never. We see a lot of damaged greenery this time of year. We find that homeowners are unaware of the Home ... Read more

What Kind of Insurance Do I Need for My Hair Salon?

Monday, June 05, 2017

Have you always wanted to start up a commercial hair salon, beauty parlour or even a barber shop? Not sure what kind of insurance you will need? The short answer: a Retail Package Policy . A Retail Package Policy ... Read more

Should I Insure My Fishing Gear?

Wednesday, May 31, 2017

It’s 6 a.m. You stand at the edge of an old wooden dock to take in the beautiful Ontario scenery. The sun is rising and the fog is slowly lifting. The wind is absent and the water is glass. You see a fish surface in the ... Read more