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1-844-324-6527 (Sales)

1-800-267-6847 (Service)


Insurance renewing in the next 60 days? Get a car or home quote from OTIP and receive a $20 gift card of your choice.* 


*Restrictions apply. See details

Get the protection you need and the value you deserve

As an education employee, you’re entitled to exclusive group savings on insurance. Save even more with our special discounts.

Explore the advantages of insuring your car through OTIP:


Free Benefits


Most policies include the following benefits:

Guaranteed Claims Service Satisfaction
If you’re not completely satisfied with our claims service and we can’t resolve your issue, we’ll refund your premium.*

*Provided the accident does not violate the conditions of your policy or result in a major driving conviction.

Claims Counselling
Were you involved in an accident? Call us to find out how a claim might affect your premiums.


24/7 Claims Service
Accidents don’t always happen during standard working hours. That’s why our expert claims representatives are here to help you at any time of the day or night, seven days a week.

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Add Ons


Enhance your protection with additional optional coverage.

Worry-Free Bundle
For as little as 30 cents a day, get three-in-one protection on the road.


  • Driving Record Protector ensures your premium won’t go up in the event of your first at-fault accident.*
  • Disappearing Deductible reduces your deductible by 20% for each year you don’t have a claim. After 5 years, your deductible disappears entirely!
  • On-the-Road Guarantee minimizes disruption to your life if your car is damaged in an accident or stolen, with coverage for a rental car, taxis or public transportation.
*Provided the accident does not violate the conditions of your policy or result in a major driving conviction.

Satellite Driver Assistance
This all-in-one protection package covers you for just pennies a day.


  • Coverage anywhere in Canada and the continental United States
  • Emergency road services
  • Directions if you're lost or need an alternate route
  • Advice on vehicle maintenance or repair
  • Discounts on hotels and car rentals
  • Assistance with trip planning and emergency medical advice while abroad

Optional Accident Benefits
OTIP gives you options to increase your coverage above provincial basics.


  • Income replacement
  • Medical, rehabilitation and attendant care
  • Caregiver, housekeeping and home maintenance
  • Dependant care
  • Death and funeral
  • Indexation benefit (increases limits annually to reflect increases in cost of living)

Additional Add-Ons

Rental Car Endorsement
If your vehicle is damaged in an accident, a Rental Car Endorsement can provide you with a rental vehicle while yours is being repaired, up to a maximum of $5,000 coverage per occurrence.

Driving Record Protector
If you have been driving for six years or more with no at-fault accidents, the Driving Record Protector can protect your driving record from an at-fault loss. For an additional annual premium of between $50 and $75 per vehicle, your claims-free rating will remain unchanged, even if you are deemed to be at fault in a future accident.*

Personal Umbrella
Peace of mind in case of a lawsuit — increase your liability protection up to an additional $5 million and extend coverage to include your involvement as an officer of a non-profit group. Personal Umbrella also provides additional coverage for automobiles driven outside of Canada or the U.S.

Specialized Coverage for Special Needs
At OTIP, we recognize certain items and situations fall outside a standard auto insurance policy. That’s why our dedicated team of experts offer a wide variety of solutions to meet any need, from motorcycles and snowmobiles to personal use vehicles, even if you have a less-than-perfect driving record.

*Provided the accident does not violate the conditions of your policy or result in a major driving conviction.
You must insure your primary residence with OTIP to qualify for this benefit.

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Save even more when you qualify for discounts.

Bundle products
Save up to 50% on home insurance when you insure both your home and car through OTIP.

Clean Driving Record
You save if you’ve had no traffic violations in the past three years.

Loyalty Discount
You’ll get a special rate if you’ve been with us for three years or more.

You may be eligible for a discount if:

  • 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.
  • You own multiple vehicles.
  • You are a newly licensed driver and have completed a driver’s training course within the past two years.
  • Your vehicle is protected with an after-market ignition cut-off system or monitored alarm system.
  • You drive a hybrid vehicle.
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