Auto Insurance


 

Shopping for insurance?

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or call an OTIP broker 1-844-324-6527


 

Already have an OTIP policy?

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or call 1-800-267-6847 


     
 

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. Must mention gift card offer to broker on the telephone to be eligible. See details.

Insurance tailored to your needs

At OTIP, we exist to make a difference in your life by helping you make the best insurance choices for your needs. See more of the OTIP story and how we serve Ontario’s education community.

Explore the advantages of insuring your car through OTIP:

 

Free Benefits

 

As a broker, we are not limited to one insurance carrier. We shop the market and work on your behalf to help you find the right coverage to suit your needs.

Save on your insurance rates
Our team of experienced insurance brokers will work with you, for you, to find the best coverage that fits your lifestyle.

Get advice from an experienced professional
Our brokers offer personalized support and can advise you on important coverage options.

Receive faster claims payouts
Having a broker advocate on your behalf ensures your payout is fair and will be delivered to you promptly.

Protection from dishonest conduct
Working with a broker allows you to feel confident that you will be treated fairly.

 

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.

  • Accident Rating Waiver 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.

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.

Accident Rating Waiver (ARW)
If you have been driving for six years or more with no at-fault accidents, the Accident Rating Waiver can protect your driving record from an at-fault loss. For an additional minimal premium, your claims-free rating will remain unchanged, even if you are deemed to be at fault in a future accident.*

Minor Conviction Protector
This optional enhancement provides protection from premium increase in the event of a minor driving infraction such as failure to wear a seat belt or an improper turn.

Liability for Damage to Non-Owned Automobiles
This protects against loss or damage to vehicles that are rented or borrowed when driving in Canada or the United States.

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

Waiver of Depreciation Coverage
With this coverage, in the event of an accident where the vehicle is a total loss or an unrecovered theft, depreciation is not taken into account when determining the claim payout. Learn more about Waiver of Depreciation Coverage.

*Provided the accident does not violate the conditions of your policy or result in a major driving conviction.
Coverage availability depends on insurance carrier.

 

Discounts

 

As a member of the education community, you’re entitled to exclusive group savings on insurance.

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.

Save even more with our special discounts.


Already have an OTIP policy?

Review your policy, update your contact information, view your pink card, submit a claim and more.

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