Do I need Winter Tires?

Although Ontario motorists are not required to install winter tires, Ontario vehicle insurance have been required to offer discounts for winter tires beginning January 1, 2016.

However, discount provided for winter tires are 2% on annual premium but it curbs the risk of collision which benefits drivers to be considered as a good driver.
When the temperature is around 7 degrees Celsius or higher, all-season tires are usually suitable to drive on. The rubber is flexible enough to keep a strong grip on the road at these temperatures. When the temperature goes below 7 degrees Celsius, though, the compound in all-season tires hardens, reducing traction. In freezing temperatures (7 C or lower), winter tires are designed to spread out and maintain a stronger traction. Winter tires also have tread patterns that are meant to force water to the sides of the tire, allowing it to keep in better contact with the road surface.

Is all wheel drive vehicles substitute for Winter Tires?

It's crucial to note that while features like four-wheel drive (4WD), anti-lock brakes, and electronic stability control can help with acceleration and maneuvering, they don't help much with stopping or slowing down. Winter tires are the only way to achieve better traction on a snowy or icy road.

Logo of Winter tires?

Only Certified Winter tires are considered as a safe tire, According to Transport Canada, to qualify as a “winter tire” in Canada, it must be labelled with the 3-peaked mountain/snowflake (“Alpine”) logo.

Frequently Asked Questions About Business Insurance

Get straight and simple answers to all your business insurance frequently asked questions.

These FAQs were gathered from Canadian business owners like you.

Different types of Business Interruption coverage will determine how payout is calculated. Most policies cover reimbursement for profits your business would have earned based on the prior month’s performance, in addition to extra expenses beyond fixed costs. Employee wages, taxes, and loan payments may also be taken into account.
Business Interruption Insurance is typically included in a commercial property insurance policy or business owner’s policy (BOP). You can add it to an existing policy as a rider.
Standard business interruption insurance provides coverage for damages sustained due to direct physical loss or damage, such as a fire. Unfortunately, it will not cover income lost or barriers to trade and travel due to a pandemic, infectious disease, or government-mandated closure.

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