You may be eligible for a discount if:

• You’re over the age of 30.
• You live close to work.
• You have a short commute.
• You’re a student or a student with a driver's licence lives in your household and attends school away from home.
• You’re retired.
• Your property is also insured with OTIP.
• You own multiple vehicles.
• You’ve been with OTIP or your immediate prior insurance carrier for three or more years.
• You’re claims-free and have been licenced for over 15 years.
• You have a clean driving record, with no traffic violations in the last three years.
• You completed a Drive for Life course within the last two years.
• Your vehicle is protected with an after-market ignition cut-off system or monitored alarm system.
• You drive a hybrid, meaning it runs on both a gasoline engine and an electric motor.

There are no maximums to the discounts offered.

All discounts are subject to underwriting rules; some limitations may apply.