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OTIP Winter Bonus Contest

Rules and Regulations

Enter for a chance to win $1,000 CAD in cash.

  • 1 prize of $1,000 CAD (Prize)

For more information on the Prize, see “Prize Details”. No purchase necessary. Restrictions apply.   
Contest Period
The OTIP “Winter Bonus Contest” (the “Contest”) begins at 12:01 a.m. Eastern Time (“ET”) on February 1, 2024, and closes at 11:59:59 p.m. ET on February 29, 2024 (“Contest Period”). Please read the full Contest rules and regulations below.

Contest Eligibility
Contestants must be at least eighteen (18) years of age at the time they enter this Contest. This Contest is open to all active and retired Ontario education employees, who are residents of Ontario excluding employees, directors, trustees and officers of OTIP/RAEO Insurance Brokers Inc. (“OTIP”) and their affiliated companies 1(collectively for purposes of this Contest, “OTIP”), the Prize selection team, their respective immediate families and/or anyone with whom the employees, directors, trustees or officers of OTIP are domiciled, are also excluded.
To obtain one (1) ballot for the Contest, contestants must request a free, no-obligation home or auto quote from OTIP, either online at or by phone with an OTIP Customer Sales Representative by calling toll free at 1-800-267-6847.
Contestants will be asked for their contact information, being their first and last name, phone number (residential or cell phone), city of residence and postal code and e-mail address, details on the type of auto and/or home to be potentially insured (“Mandatory Information”) before they can be entered into the Contest and eligible to win the Prize. Failure to provide the Mandatory Information means the contestant will not be entered into the Contest.
How to Enter
Request a quote online at by entering all the Mandatory Information; or, by telephone by calling toll free at 1-800-267-6847 and speaking with an OTIP customer sales representative to review the quote and be automatically entered into the Contest. Contestants must complete all Mandatory Information to be eligible to enter the Contest. All quotes are free and there is no obligation on the contestant’s part to act on the quote after discussing it with a customer sales representative. Entries into the Contest are limited to one (1) entry per person, regardless of the number of quotes completed during the Contest period.
Winner Selections / Draws    
One (1) random draw will be made for the Prize of $1,000 CAD. The draw will be made from all eligible entries submitted during the Contest Period online or by phone. The draw will take place in Waterloo, Ontario on or around March 4, 2024 and will be completed by an independent selection team.
Odds of winning are dependent on the number of eligible entries received during the Contest Period. All decisions by the independent Prize selection team are final and binding on the participants in all matters relating to the Contest.
To win the Prize, the selected contestant must first correctly answer without assistance of any kind, a time-limited, mathematical, skill-testing question in writing before being declared the Prize winner.
The selected contestant will be notified by e-mail or by phone using the information entered into the Contest. If the selected contestant cannot be contacted or does not respond after a minimum of three (3) attempts within seven (7) calendar days from the first attempt at contact, or if a Prize notification notice is returned as undeliverable, or if the contestant incorrectly answers the skill-testing question, declines the Prize or fails to return a release of liability within ten (10) days’ time to OTIP, that contestant will be declared ineligible to win the Prize, and another contestant will be selected in the manner described above.
When a contestant is contacted as the selected winner for a Prize, he or she will be asked for an address to where the skill-testing question, a declaration of compliance with Contest rules, a liability and publicity release and their Prize can be sent.
Post office box addresses are not acceptable as courier companies cannot deliver to box numbers. If the winner resides at a country address and/or a rural route address, the winner may be asked for their emergency-locate address or other identifiable information to assist the courier company with the delivery of the prize. The Prize will be delivered to the winner approximately two (2) weeks after the winner is confirmed save and except for any unforeseen events such as, but not limited to, a weather event, postal or courier strike, flood, fire, war, break out of disease, quarantine, hydro outage, service provider problems.  
It is the sole responsibility of any contestant to notify OTIP’s marketing department of any changes to their contact information by calling 1800-267-6847 or in writing at:  OTIP c/o Marketing Dept., P.O. Box 218, 125 Northfield Drive West, Waterloo, ON  N2J 3Z9, if they still wish to be entered into the Contest. 
Entries and the Prize claim are subject to verification and will be declared invalid if they are illegible, incomplete, mechanically reproduced, mutilated, forged, falsified, altered or tampered with in any way.
General Conditions
This Contest is subject to all applicable federal, provincial, territorial and municipal laws and regulations, is void where prohibited by law and is governed by Canadian laws and the laws of the Province of Ontario. If any provision of these rules is found by any court of competent jurisdiction to be unenforceable, all other provisions will remain in full force and effect.
By participating in this Contest, contestants agree to be bound by these rules and regulations and the rules and regulations set out by the Prize providers.
OTIP will not be held responsible for any errors or negligence that may arise or occur in connection with the Contest including, but not limited to, the contestant’s information (whether it be Mandatory Information) entered into the Contest by any person, including, but not limited to, a customer service representative.     
All entries become the property of OTIP upon receipt and will not be returned. By entering this Contest, contestants agree to the use of their personal information in accordance with the Privacy Policy at (for OTIP companies). When contestants participate in a Contest OTIP may keep a record of the information, response or any opinion volunteered without reference to their identity to calculate the Contest results on their respective websites or in other media such as business documents or leaflets sent to members. Collection of information, including name, address, phone number(s) and e-mail address under this Contest is strictly for the purposes of administering this Contest and providing any materials or information requested by the contestant. OTIP will use personal information the contestant submits for the purposes of contacting a contestant and awarding a Prize in the Contest should the contestant be selected as a winner, and for contacting the contestant to discuss insurance matters related to home and auto policies or retirement matters should the contestant enter the expiry dates for their policies or an expected date of retirement. By entering the Contest, the contestant who wins the Prize agrees to have their names published; however, the identities of Contest winners and other personal information are never published without their written consent. If the contestant requests marketing information about OTIP products and services, OTIP may send the marketing information to the contestant’s e-mail address, residential address or as otherwise directed by the contestant. Personal information will not be shared with outside parties.
If anyone wishes to receive marketing materials from OTIP or if anyone does not wish to receive marketing materials after consenting to do so can contact an OTIP representative at 1-800-267-6847 or by e-mail at or they can opt out of any electronic messages by clicking on the opt out option. Note: all telephone calls are recorded for quality assurance.
Prize Details
The one (1) Prize of $1,000 CAD awarded will be in the form of a cheque in Canadian funds sent by OTIP to the winner to the address provided by the winner. The $1,000 CAD cheque will not be replaced, refunded or reimbursed if lost, stolen or misplaced.
OTIP will not be responsible for any lost, stolen, or misplaced Prize. The Prize will not be replaced, refunded or reimbursed if lost, stolen or misplaced.
Any and all taxes on the Prize awarded, including income taxes, and any incidental expenses associated with collection of the Prize, are the sole responsibility of the winner. No substitutions will be made for any Prize except at the discretion of OTIP who may substitute a Prize of equal or greater value in the event the Contest Prize is no longer available.
The Prize shall be null and void if the winner does not accept the Prize by February 28, 2025.
OTIP reserves the right to withdraw, terminate, suspend, cancel, amend or modify all or part of the Contest, in any manner and any rule(s) of the Contest, at any time and without prior notice, for any reason whatsoever or if it determines that for any reason the Contest cannot be run as originally planned, including, but not limited to, technical failure or corruption, computer virus, bugs, computer, electronic or system malfunction, tampering, unauthorized intervention, fraud or any other factor(s) or cause(s) beyond OTIP’s control which in OTIP’s opinions compromise the fairness or integrity of the Contest and/or affect the administration, security, or proper conduct of this Contest as contemplated by these official rules. Under this section OTIP is not obligated to award any Prize to any selected contestant.
If, as a result of an error relating to the entry process, entry, entry count, drawing or any other aspect of the Contest, there are more potential winners of the Prize than contemplated in these rules, there will be a random draw amongst all eligible Prize claimants after the Contest Period to award the applicable Prize.
By submitting a completed entry form to enter the Contest, the winner releases OTIP from any and all liability arising out of, or in connection with, this Contest and the awarding of any Prize, now or in the future. By entering this Contest, the winner consents in writing to the use of their name, city and province where they reside by OTIP in a format approved by that winner, as well as any audio/video image, statements, and/or photographs in any related publicity and publication without further compensation, worldwide and in perpetuity, in any and all forms of media and social media now known or hereafter devised, including, but not limited to, the Internet, Facebook, X (formerly Twitter), Linked In, You Tube, Pinterest, SnapChat and in any publicity or advertising carried out by OTIP unless prohibited by law. OTIP reserves the right to post or publish any winner’s name, city, or province of residence, photograph, likeness, voice or other statements, as directed by the winner, on its website and/or on the website of OTIP’s affiliated companies and/or on the sponsor’s website for advertising and promotional purposes, where lawful, without further compensation to the winner.
By entering in the Contest, the winner agrees to sign a form of declaration confirming compliance with the Contest rules and regulations and agrees to release, indemnify and forever discharge OTIP and their affiliated companies, directors, trustees, officers, employees, the Prize selection team and any of their parents, affiliates, agents, and contractors, and any advertising and promotional agencies whether for the Contest and/or the Prize, and all their directors, trustees, officers and employees, from any and all action, proceedings, suits, liability, losses, costs, expenses (including legal fees and disbursements), damages, demands and claims of any kind, in respect of anything done by OTIP in the performance of their duties hereunder in connection with the Contest and/or resulting from the acceptance, possession or use of a Prize or any part of a Prize or any extension to a Prize, including without limitation, but not limiting to, any loss, personal injury, death, disablement, dismemberment, property, home or vehicle damage, or claims based on publicity rights, defamation or invasion of privacy that could result from, but not limited to, the awarding or use of any Prize, by signing an Agreement / Release Form as a condition to and in advance of receiving their Prize in favour of OTIP and the Prize sponsor and neither OTIP or any company providing the Prizes in this Contest, will not be liable for the use or misuse of the Prize. OTIP assumes no responsibility for the participation in the Contest or any liability, claims, demands, actions, loss, damage or personal injury that may be sustained by the contestants, the winner and/or the person(s) sharing the winner’s Prize. The provisions of this section shall survive the termination of this Contest and may be relied upon by the parties hereto at any time.
Failure to comply with these Contest rules and regulations may result in disqualification from the Contest at any time.
OTIP is not responsible for any entries that are lost, late, damaged, destroyed, corrupted or misdirected, incomplete, garbled, or delayed by any computer, online telephone or technical malfunctions that may occur in the processing transmission or receipt of entries.
OTIP is not responsible for any theft, destruction or unauthorized access to, or alteration of, entries; failures or malfunctions of electronic data transmission, telephones, telephone lines or telephone systems, interrupted or unavailable network, server or other connections, any error, omission, interruption, defect or delay in any transmission or communication; traffic congestion on the Internet or for any technical problem, including but not limited to any injury or damage to the participant’s or any other person’s computer related to or resulting from participation in this Contest; the cancellation, suspension or preemption of games, injuries or timing errors, electronic or equipment failure or other communication problems occurring in connection with participation in this Contest nor is it responsible for any transmission of viruses from any OTIP website to a computer system or if any whole entry system crashes resulting in the Contest being cancelled or other problems or errors of any kind whether mechanical, human, electronic or otherwise.
OTIP, the Prize selection team, and any of their parents, affiliates, agents, and contractors, including advertising, sponsoring and promotional agencies, and their directors, trustees, officers and employees expressly disclaim and shall be held free of all responsibility or liability for any loss or damage in respect to any Prize howsoever caused, any act, error, omission, injury, loss, accident, delay or the neglect or default of any company or person providing any service for the Contest, whether through providers negligence or otherwise, or due to cancellations, adverse weather conditions, loss of personal belongings, illness, bodily injury, accident, death, deterioration of services, inconvenience, loss of enjoyment, disappointment or frustration, either mental or physical due to any Acts of God, force majeure or third party wrong doing, epidemic, social or political disturbances or due to any cause whatsoever occurring during the Contest and the use of the prize by the winner or person(s) sharing any winner’s Prize.
To address any questions or comments, contact OTIP at 1-800-267-6847 and ask for the marketing department or write to their head office at 125 Northfield Drive West, PO Box 218, Waterloo ON  N2J 3Z9 – attention: Marketing Department.
Caution: Any attempt by a contestant to deliberately damage any website or undermine the legitimate operation of the Contest is a violation of criminal and civil laws. Should such an attempt be made, OTIP (as defined above) reserve the right to seek damages from any such contestant to the fullest extent permitted by law.
Contest sponsor: OTIP/RAEO Insurance Brokers Inc., 125 Northfield Drive West, PO Box 218, Waterloo, Ontario N2J 3Z9. “OTIP and design” are registered trademarks of Ontario Teachers Insurance Plan used by OTIP/RAEO Insurance Brokers Inc. with permission. All other trademarks, service marks, images and logos are property of their respective owners and are displayed in this publication with permission. All Rights Reserved.
1 Affiliated companies mean:  Ontario Teachers Insurance Plan, OTIP/RAEO Insurance Brokers Inc., OTIP RAEO Member Services Inc., Ontario Teachers’ Insurance Plan Inc., OTIP/RAEO Benefits Incorporated, Orbit Insurance Services Ltd., and Curo Claims Services Inc.

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