We offer various coverage options to meet your auto insurance needs, always ensuring that you and your vehicle are protected. At HTM we take pride in underwriting your auto policy efficiently and competitively.
We are happy to offer several discount options to policyholders based on specific circumstances, which include:
- Farm Vehicle Rates
- Multi Vehicle Discount
- Property Insured Discount – you will receive a discount on your auto policy if your property is also insured with HTM Insurance.
- Long Term Policyholder Discount
- Retiree Discount
- Elite Driver Rates – for drivers over 50 years of age
- Protection Plus – to protect your good driving record if you experience an at-fault accident
- Emergency Road Service Excess Coverage
Let our knowledgeable agents or brokers help find the best coverage for your needs.
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There are many factors that affect the amount of insurance you may pay on your automobile. It all depends on what you drive, when you drive, where you drive, how you drive and how often you drive.
Policy Wording
Refer to your policy declaration page for the coverages you have purchased from us. Your agent or broker is your best adviser.
| Description of Coverage | Coverage Code | Coverage Type | Current Wording | Previous Wordings |
|---|---|---|---|---|
| Minor Conviction Protection | FMCF03 | Additional Coverages and Exclusions, Automobile | Jun 2024 | |
| OPCF 49 – Agreement Not to Recover for Loss or Damage from an Automobile Collision (for Ontario Automobile Policy OAP 1) | OPCF 49 | Additional Coverages and Exclusions, Automobile | Jan 2024 | |
| Direct Compensation Property Damage / OPCF 49 Information Memo | Additional Coverages and Exclusions, Automobile | Jan 2024 | ||
| OPCF 27B – Business Operations – Liability for Damage to Non-Owned Automobile in your Care, Custody and Control | OPCF 27B | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 28A – Excluded Driver | OPCF 28A | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 20 – Coverage for Transportation Replacement | OPCF 20 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 27 – Liability for Damage to Non-Owned Automobiles | OPCF 27 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 27B – Business Liability for Non-Owned Automobiles | OPCF 27B | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 98B – Reduction of Coverage for Lessees or Drivers of Leased Vehicles | OPCF 98B | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 40 – Fire Deductible | OPCF 40 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 32 – Use of Recreational Vehicles by Unlicensed Operators | OPCF 32 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 30 – Removing Coverage for Attached Machinery | OPCF 30 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 48 – Offset Tort Deductibles | OPCF 48 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 6A – Permission to cary paying passengers | OPCF 6A | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 47 – Agreement not to rely of SABS Priority of Payment Rules | OPCF 47 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 23A – Leinholder Protection | OPCF 23A | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 43 – Removing Depreciation Deduction | OPCF 43 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 17 – Reinstatement of Coverage | OPCF 17 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 19A – Agreed Value of Automobiles | OPCF 19A | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 9 – Marine Use Exclusion | OPCF 9 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| Declaration for Trailmaster Discount | Additional Coverages and Exclusions, Automobile | Feb 2022 | ||
| OPCF 5 – Premission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s) | OPCF 5 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 8 – Property Damage Reimbursement | OPCF 8 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 16 – Suspesion of Coverage | OPCF 16 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| Protection Plus | FMCF01 | Additional Coverages and Exclusions, Automobile | Apr 2024 | Jun 2016 |
| Ontario Automobile Policy (OAP 1) | OAP 1 | Automobile, OAP 1 | Jan 2024 | Jun 2022 |
| Declaration for the Retiree Discount | Additional Coverages and Exclusions, Automobile | Feb 2022 | ||
| OPCF 13C – Restricting Glass Coverage | OPCF 13C | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| OPCF 19 – Limiting the Amount Paif for Loss or Damage Coverages | OPCF19 | Additional Coverages and Exclusions, Automobile | Feb 2022 | |
| Emergency Road Service Excess Coverage | FMCF35 | Additional Coverages and Exclusions, Automobile | Jun 2024 | Feb 2022 |
| OPCF 43A – Removing Depreciation Deduction for Specified Lessee(s) | OPCF 43A | Additional Coverages and Exclusions, Automobile | Feb 2022 |
Testimonials
Other Products
At HTM, we strive to offer a variety of products to fit your every need, allowing you to have everything you need in one place. Our product offering includes Farm, Residential, Auto and Commercial policies, which you can choose from by working with one of our knowledgeable agents or brokers.
