Insurer group Insurer Approval date Approved rate reduction and filing details Rate reduction or discount currently available to consumers? Consumer required to contact insurer for rate reduction or discount?  2020 Premium rebate delivered?  2020 Premium rebate details
Allstate Allstate Insurance Company of Canada 25/06/2020 5% Reduced driving discount Yes Yes Yes
  • First Rebate: 25% of one month's premium  
  • Second Rebate: 25% of one month's premium 
  • Third Rebate: 25% of one month's premium 
5% Increased UBI enrollment discount Yes Yes
01/12/2020 3.5% Base rate decrease   Expired No
25/02/2021 5% Reduced driving discount Yes Yes
5% Increased UBI enrollment discount Yes Yes
0.9% Base rate decrease   Yes No
3% Increased Home and Auto discount Yes No
Allstate Pembridge Insurance Company 01/12/2020 5% Increased UBI enrollment discount Yes Yes Yes
  • First Rebate: 25% of one month's premium
  • Second Rebate: 25% of one month's premium
  • Third Rebate: 25% of one month's premium
4% Base rate decrease Expired No
25/02/2021 5% Increased UBI enrollment discount Yes Yes
1.3% Base rate decrease   Yes No
3% Increased Home and Auto discount Yes No
Allstate Pafco Insurance Company -- -- -- -- Yes
  • First Rebate: 25% of one month's premium
  • Second Rebate: 25% of one month's premium
  • Third Rebate: 25% of one month's premium
Aviva Aviva General Insurance Company 29/04/2020 Premium capping Expired No No  
15% Reduced driving discount Expired Yes
02/07/2020 5% Base rate decrease Expired No
14/05/2021 Premium capping Yes No
11.7% Base rate decrease Yes No
Aviva Aviva Insurance Company of Canada 29/04/2020 Premium capping Expired No No  
15% Reduced driving discount Expired Yes
02/07/2020 5% Base rate decrease Expired No
14/05/2021 Premium capping Yes No
11.4% Base rate decrease Yes No
Aviva S&Y Insurance Company 08/07/2020 5% Base rate decrease Expired No No  
29/04/2020 Premium capping Expired No
15% Reduced driving discount Expired Yes
14/05/2021 Premium capping Yes No
12% Base rate decrease Yes No
Aviva Scottish & York Insurance Co. Limited 29/04/2020 Premium capping Expired No No  
15% Reduced driving discount Expired Yes
02/07/2020 5% Base rate decrease Expired No
14/05/2021 Premium capping Yes No
11.3% Base rate decrease Yes No
Aviva Traders General Insurance Company 29/04/2020 Premium capping Expired No No  
15% Reduced driving discount Expired Yes
02/07/2020 5% Base rate decrease Expired No
14/05/2021 Premium capping Yes No
14.7% Base rate decrease Yes No
Ayr Farmers Mutual Insurance Company Ayr Farmers Mutual Insurance Company 10/06/2021 - - - Yes 7% of 2020 premium for all in force policies at Dec 21 2020
Bertie & Clinton Mutual     Bertie & Clinton Mutual     10/06/2020 - - - Yes 8% of 2020 premium for all in force policies at Dec 31 2020. Policy must be inforce for the calendar year. 
CAA CAA Insurance Company 29/04/2020 Reduction in fees Expired No Yes
  • First Rebate: $100 per policy                         
  • Second Rebate: $50 per policy
10% Base rate decrease Expired No
24/03/2021 Reduction in fees Expired No
15% Base rate decrease Expired No
13/08/2021 Reduction in fees Yes No
5% Increase to Multi-line discount Yes No
Rate decrease that varies by driving record Yes No
CAA Echelon Insurance 13/05/2020 Reduction in fees Expired No No  
15% Reduced driving discount Expired Yes
Cayuga Mutual Insurance Company Cayuga Mutual Insurance Company 10/06/2021 - - - Yes 5% of 2020 premium for all qualifying auto policies in-force as of Jan 1, 2020 to Dec 31, 2020. 
Commonwell Commonwell Mutual Insurance Group (The) 25/05/2020 Reduction in fees Expired No Yes $100 per household
Co-op Co-operators General Insurance Company 13/05/2020 Premium capping Expired No No  
21/07/2020 15% Reduced driving discount Expired Yes
29/03/2021 Premium capping Yes No
4% COVID-19 Auto Discount Yes No
Co-op COSECO Insurance Company 15/07/2020 15% Reduced driving discount Expired Yes No  
Co-op CUMIS General Insurance Company 12/05/2020 Premium capping Expired No Yes 15% of 2 months' premiums
Desjardins Certas Direct Insurance Company 27/05/2020 Premium capping Expired No Yes  40% of 1 month's premium
Reduced driving discount*** Expired Yes
18/06/2021 5% Increase to Multi-line discount Yes No
Premium capping Yes No
Desjardins Certas Home and Auto Insurance Company 27/05/2020 Premium capping Expired No Yes 40% of 1 month's premium
Reduced driving discount*** Expired Yes
18/06/2021 5% Increase to Multi-line discount Yes No
Premium capping Yes No
28/09/2021 4.5% Base rate decrease Yes No
Desjardins Personal Insurance Company (The) 27/05/2020 Premium capping Expired No Yes 40% of 1 month's premium
Reduced driving discount*** Expired Yes
18/06/2021 5% Base rate decrease Yes No
5% Increase to Multi-line discount Yes No
Premium capping Yes No
Dumfries Mutual Insurance Company Dumfries Mutual Insurance Company 10/06/2021 - - - Yes 5% of 2020 premium. Must be policyholder for three years or more as of December 31, 2020. 
Economical Economical Mutual Insurance Company 22/05/2020 Premium capping Expired No No  
Reduced driving discount*** Expired Yes
Reduction in fees Expired No
22/06/2020 Premium capping Expired No
5% Base rate decrease Expired No
26/03/2021 Premium capping Yes No
5% Base rate decrease Yes No
Economical Sonnet Insurance Company 20/05/2020 Reduced driving discount*** Expired Yes No  
Reduction in fees Expired No
Gore Gore Mutual Insurance Company 27/04/2020 Reduction in fees Expired No Yes 20% of 3 months' premium
29/06/2020 5% Base rate decrease Expired No
29/03/2021 8% Base rate decrease Expired No
19/07/2021 4% Base rate decrease Expired No
08/10/2021 2% Base rate decrease Yes No
Halwell Mutual Insurance Company Halwell Mutual Insurance Company 10/06/2021 - - - Yes 2.8% of 2020 premium. Policy must be in force during 2020 and at time of refund issuance and have a refund greater than $10
Hay Mutual Hay Mutual 10/06/2021 - - - Yes  14% of 2020 premium for all policies inforce on Dec 31, 2020. 
Heartland Heartland Farm Mutual Inc. 29/04/2020 5% Base rate decrease Expired No No  
Reduction in fees Expired No
Intact Belair Insurance Company Inc. 09/04/2020 Premium capping Expired No No  
Reduction in fees Expired No
04/06/2020 4.75% Base rate decrease Expired No
15.0% to 25.0% Reduced driving discount Expired Yes
07/04/2021 4.75% Base rate decrease Yes No
Relief equal to one month's premium Expired Yes
Intact Intact Insurance Company 09/04/2020 Premium capping Expired No No  
Reduction in fees Expired No
04/06/2020 5% Base rate decrease Expired No
15% Reduced driving discount Expired Yes
09/11/2020 Reduced rates for some customers** Expired No
06/04/2021 5% Base rate decrease Yes No
Relief equal to one month's premium* Expired Yes
Reduced rates for some customers** Yes No
Protect customers' UBI discount at midterm Yes No
Intact Jevco Insurance Company 11/06/2020 Reduction in fees Expired No No  
15% Reduced driving discount Expired Yes
07/04/2021 Relief equal to one month's premium Expired Yes
Intact Novex Insurance Company 15/04/2020 Premium capping Expired No No  
Reduction in fees Expired No
05/06/2020 5% Base rate decrease Expired No No
15% Reduced driving discount Expired Yes
Kent & Essex Mutual Insurance Company Kent & Essex Mutual Insurance Company 10/06/2021 - - - Yes 7% of 2020 premium for all in force policies at Dec 31, 2020. Calculated based on full annual premium written from Jan 1, 2020 to Dec 31, 2020 with minimum refund of $20. 
La Capitale Unica Insurance Inc. 27/04/2020 Reduction in fees Expired No Yes 15% of 3 months' premium
14/04/2021 5% Base rate decrease Expired No
3% Decrease for Toronto territories Expired No
2.5% Increased Home and Auto discount Expired No
05/10/2021 2% Base rate decrease Yes No
2.5% Increased Home and Auto discount Yes No
North Blenheim Mutual North Blenheim Mutual 10/06/2021 - - - Yes 4% of 2020 premium for all policies inforce for a year from the date refund was declared i.e. Feb 4, 2021. Cheque must be greater than $25. 
Northbridge Federated Insurance Company of Canada 02/10/2020 Premium capping Expired No No  
Northbridge Northbridge General Insurance Corporation 27/05/2021 5.9% Base rate decrease Yes No  Yes 15% of 3 months' premium
Northbridge Tokio Marine & Nichido Fire Insurance Co., Ltd. -- -- -- -- Yes 15% of 3 months' premium
Northbridge Verassure Insurance Company 30/06/2020 5% Increased Home and Auto discount Expired No Yes 100% of one month's premium
North Kent Mutual Fire Insurance Company  North Kent Mutual Fire Insurance Company  10/06/2021 - - - Yes 7% of 2020 premium for all in force policies at Dec 31 2020. Must be continuous client from Jan 1 2020 to Dec 31 2020.
Optimum Optimum Insurance Company Inc. 01/06/2020 3% Consumer relief discount Expired No No  
28/05/2021 2% Consumer relief discount Yes  No  No
Peel Peel Mutual Insurance Company 12/06/2020 Reduction in fees Expired No No  
RSA Royal & SunAlliance Insurance Company of Canada 29/04/2020 Reduction in fees Expired No No  
05/05/2020 Premium capping Expired No
27/07/2020 1% Increased Home and Auto discount Expired No
Rate decrease that varies by driving record Expired No
30/03/2021 12% Base rate decrease**** Expired No
RSA Unifund Assurance Company 29/04/2020 Reduction in fees Expired No Yes 10% of 3 months' premium
12/08/2020 3.8% Base rate decrease Expired No
3.0% to 5.0% Increased discount for select groups Expired No
30/03/2021 12% Base rate decrease Expired No
27/08/2021 4.75% Base rate decrease Yes No
RSA Western Assurance Company 29/04/2020 Reduction in fees Expired No No  
05/05/2020 Premium capping Expired No
27/07/2020 1% Increased Home and Auto discount Expired No
Rate decrease that varies by driving record Expired No
30/03/2021 12% Base rate decrease**** Expired No
SGI Coachman Insurance Company 29/04/2020 Reduction in fees Expired No No  
SGI SGI CANADA Insurance Services Ltd. 28/04/2020 Reduction in fees Expired No No  
10/02/2021 5% Base rate decrease Yes No
Additional 5% base rate decrease Yes No
South Easthope Mutual Insurance Company South Easthope Mutual Insurance Company 10/06/2021 - - - Yes 5% of 2020 premium for all in force policies at Dec 31 2020. 
TD Primmum Insurance Company 23/04/2020 Premium capping Expired No Yes
  • First Rebate: $30 per policy (only to active clients who had not requested Essential Driving Discount by August 31, 2020)                                                                 
  • Second Rebate: $50 rebate per vehicle for all private passenger vehicles that were effective as of February 28, 2021.
25/05/2020 15% Reduced driving discount Expired Yes
Reduction in fees Expired No
28/01/2021 Lower minimum driving requirements for UBI customers Yes No
Premium capping Yes No
TD Security National Insurance Company 23/04/2020 Premium capping Expired No Yes
  • First Rebate: $30 per policy (only to active clients who had not requested Essential Driving Discount by August 31, 2020)                                                                 
  • Second Rebate: $50 rebate per vehicle for all private passenger vehicles that were effective as of February 28, 2021.
25/05/2020 15% Reduced driving discount Expired Yes
Reduction in fees Expired No
28/01/2021 Lower minimum driving requirements for UBI customers Yes No
Premium capping Yes No
TD TD General Insurance Company 23/04/2020 Premium capping Expired No Yes
  • First Rebate: $30 per policy (only to active clients who had not requested Essential Driving Discount by August 31, 2020)                                                                 
  • Second Rebate: $50 rebate per vehicle for all private passenger vehicles that were effective as of February 28, 2021.
25/05/2020 15% Reduced driving discount Expired Yes
Reduction in fees Expired No
28/01/2021 Lower minimum driving requirements for UBI customers Yes No
Premium capping Yes No
Tradition Tradition Mutual Insurance Company -- -- -- -- Yes 10% of 2020 premium for automobile policies that were in force for all of 2020.
Travelers Dominion of Canada General Insurance Company (The) 14/07/2020 Reduction in fees Expired No Yes
  • First Rebate: 25% of one month's premium     
  • Second Rebate: 15% of one month's premium
  • Third Rebate: 25% of one month's premium
09/04/2021 2.1% Base rate decrease Yes No
Reduced rates for consumers with low annual mileage*** Yes No
Wawanesa Wawanesa Mutual Insurance Company (The) 13/04/2021 Rate decrease that varies by driving record Yes No No  
Premium capping Yes No
West Elgin Mutual Insurance Company West Elgin Mutual Insurance Company 10/06/2021 - - - Yes 3.3% of 2020 premium for all in force policies at Dec 31 2020 . Must be continuous client from Jan 1 2020 to Dec 31 2020. Amount of the refund cheque exceeds $10. 

*Relief is also available to The Guarantee customers and Novex customers
**Reduced rates for risks based on age, annual mileage and commute
***Discount level varied by annual mileage
****Merged with Intact effective October 1, 2021 renewals. Intact's approved rate reduction and filing details now apply.