Skip to Main Content

Auto Insurance

Ayr Farmers Mutual Insurance Company Protects Homes, Farms, Businesses and Vehicles in Ayr, Ontario

When accidents happen – we can relate. We’re familiar with the driving conditions you face each day, because we drive them too. Our goal is to repair your vehicle in a timely manner while you to enjoy a superior claims experience that treats you like a neighbour, not a number.

Auto Insurance Policy Coverage

When you insure your automobile(s) with Ayr Farmers, you’re trusting a neighbour – someone who lives in your community and drives the same roads that you do. We want to ensure everyone in our community has the right coverage - and is rewarded for driving safely.

Your Automobile Insurance Policy will cover:

  • Third Party Bodily Injury & Property Damage

    Protects you, and provides coverage for legal costs if someone is injured (or killed) by you, or if you damage their property while operating a vehicle. We always recommend opting for at least a $2 million limit.

  • Accident Benefits

    Covers your medical costs to pay for injuries and rehabilitation resulting from an accident, and/or possible funeral expenses, regardless of who is at fault. This coverage includes supplementary medical, rehabilitation and attendant care, caregiver, non-earner and income replacement benefits.

  • Direct Compensation - Property Damage (DC-PD)

    This coverage pays for damage to your vehicle and the loss of use of your vehicle when you are found to be “Not at Fault” in the event of a motor vehicle accident.

  • Uninsured Automobile

    Protects you and your family if another driver hits you and they do not carry car insurance. Also allows coverage in hit-and-run scenarios, where you cannot identify the other driver.

  • Family Protection Coverage (OPCF 44R)

    Covers you and eligible members of your family in the event of an accident where you are not at fault and the other party has less insurance, no insurance at all, or is a hit-and-run.

Winter-Proof Your Vehicle to Save Money on Car Insurance

Did you know switching your all-season tires for winter tires can help you save money on car insurance? If your tires have the "Winter Tire" symbol, this means they perform better in the ice and snow, and you'll be eligible for a discount on your car insurance. See "Save Money on Your Car Insurance" below for more tips or contact us for advice on your specific circumstances.

Get a Quote

Save Money on Your Car Insurance

In addition to the savings you'll enjoy with your auto insurance policy from Ayr Farmers Mutual, you can save even more if you:

Maintain a good driving record - The more years you are free of "at fault" accidents, the better your driving record will be. As a result, you'll enjoy lower rates. 

Bundle your car insurance - If you insure property with Ayr Farmers Mutual, you may be entitled to a multi-policy discount. 

Get winter tires - If your tires bear the "Winter Tire" symbol, this means they perform better in the winter months, and you'll get a discount on your car insurance. 

Retire - Are you over 65 and enjoying the retired life? You'll get a discount on your car insurance. 

Are a young driver - We offer discounts to drivers in their first years (G2 and G) of licensing. If you complete driver training, you'll save even more money. If you are away at school without a vehicle, we offer discounted rates as well. 

Get Even More Protection

Add more coverage to your policy to protect your family in case of a collision or other incident. You may choose to add:

  • Increased Accident Benefits

    If the standard limits for each of the included Accident Benefit coverages don't meet your needs, you can increase each limit as required. For example, you can increase the "income replacement" $400 weekly limit to $600, $800, or $1,000.

  • Collision

    Pays for losses when you are deemed “At-Fault” in an automobile accident, including in a single-vehicle accident (i.e., you drift into a ditch due to icy road conditions).

  • Comprehensive

    Covers specified perils other than those covered by Collision coverage, like flying objects (i.e., a stray stone hits & cracks your windshield).

  • All Perils

    Combines Collision & Comprehensive coverages under one deductible. Also covers the theft of your vehicle by someone in your household (sounds strange, but it does happen).

  • Protection Plus

    Protects your good driving record if you are at least six years accident-free. In the event of your first "at fault" accident, you keep your accident-free rating! (This protection cannot be applied to accidents resulting in any criminal code or major Highway Traffic Act violations.)

  • Rental Coverage (OPCF 27)

    When this option is purchased for your private passenger or travel trailer, you no longer have to buy the physical damage insurance coverage sold to you as a daily rate when you rent a car. This coverage applies to rented vehicles in Canada and the continental USA.

  • Farm Vehicles

    We insure vehicles that are primarily used on a farm with limited road exposure at a lower rate than most commercial and private passenger vehicles. These vehicles must not be used to deliver produce.

  • Business Use of Your Vehicle

    We offer coverage for people using their private passenger vehicle for visiting clients, for example. If the business use of your vehicle is used for deliveries or as a work truck, consider seeking Commercial Auto Insurance (see below).

  • Commercial Auto Insurance

    If your vehicle(s) is/are used commercially (i.e., your work van for your electrical business), we offer great individually rated commercial auto rates for light and heavy vehicles. Fleet Rating may be available for risks with more than three power units & trailers.

Auto Insurance Frequently Asked Questions

We often receive questions from customers about auto insurance. Browse through our most Frequently Asked Questions to see if yours is answered here.

Ask a Different Question

Do You Have A Question About Automotive Coverage?

We know we talk a lot, so sometimes it helps to see if we've already got an answer to your question on our website. 

Contact Us

Get Even More Protection

Add more coverage to your policy to protect your family in case of a collision or other incident. You may choose to add:

If the standard limits for each of the included accident benefits coverages don't meet your needs, you can increase each limit as required. For example, you can increase the "income replacement" $400 weekly limit to $600, $800, or $1,000.

Pays for losses when you are deemed “At-Fault” in an automobile accident, including in a single-vehicle accident (ie. you crash into a ditch because of an icy road).

Covers specified perils other than those covered by Collision coverage, like flying objects (example: a stray stone hits & cracks your windshield).

Combines Collision & Comprehensive coverages under one deductible. Also covers the theft of your vehicle by someone in your household (sounds strange, but it does happen).

Protects your good driving record if you are at least six years accident-free. In the event of your first "at fault" accident, you keep your accident-free rating! (This protection cannot be applied to accidents resulting in any criminal code or major Highway Traffic Act violations.)

When this option is purchased for your private passenger or travel trailer, you no longer have to buy the physical damage insurance coverage sold to you as a daily rate when you rent a car. This coverage applies to rented vehicles in Canada and the continental USA.

We insure vehicles that are primarily used on the farm with limited road exposure at a lower rate than most commercial and private passenger vehicles. They must not be used to deliver produce.

We offer coverage for people using their private passenger vehicle for visiting clients, for example. If the business use of your vehicle is used for deliveries or as a work truck, consider seeking Commercial Auto Insurance (see below).

If your vehicle(s) is/are used commercially - example, your work van for your electrical business, we offer great individually rated commercial auto rates for light and heavy vehicles. Fleet Rating may be available for risks with more than 3 power units & trailers.

Get Even More Protection 

Add more coverage to your policy to protect your family in case of a collision or other incident. You may choose to add: 

  • Increased Accident Benefits

    If the standard limits for each of the included accident benefits coverages don't meet your needs, you can increase each limit as required. For example, you can increase the "income replacement" $400 weekly limit to $600, $800, or $1,000. 

  • Collision

    Pays for losses when you are deemed “At-Fault” in an automobile accident, including in a single-vehicle accident (ie. you crash into a ditch because of an icy road).

  • Comprehensive

    Covers specified perils other than those covered by Collision coverage, like flying objects (example: a stray stone hits & cracks your windshield).

  • All Perils

    Combines Collision & Comprehensive coverages under one deductible. Also covers the theft of your vehicle by someone in your household (sounds strange, but it does happen).

  • Protection Plus

    Protects your good driving record if you are at least six years accident-free. In the event of your first "at fault" accident, you keep your accident-free rating! (This protection cannot be applied to accidents resulting in any criminal code or major Highway Traffic Act violations.)

  • Rental Coverage (OPCF 27)

    When this option is purchased for your private passenger or travel trailer, you no longer have to buy the physical damage insurance coverage sold to you as a daily rate when you rent a car. This coverage applies to rented vehicles in Canada and the continental USA.

  • Farm Vehicles

    We insure vehicles that are primarily used on the farm with limited road exposure at a lower rate than most commercial and private passenger vehicles. They must not be used to deliver produce.

  • Business Use of Your Vehicle

    We offer coverage for people using their private passenger vehicle for visiting clients, for example. If the business use of your vehicle is used for deliveries or as a work truck, consider seeking Commercial Auto Insurance (see below).

  • Commercial Auto Insurance

    If your vehicle(s) is/are used commercially - example, your work van for your electrical business, we offer great individually rated commercial auto rates for light and heavy vehicles. Fleet Rating may be available for risks with more than 3 power units & trailers.

Auto Insurance Frequently Asked Questions

We often receive questions from customers about auto insurance. Browse through our most Frequently Asked Questions to see if yours is answered here.

Ask a Different Question

Allison's edited copy

Top-of-page paragraph

When you insure your automobiles with Ayr Farmers, you’re trusting a neighbour – someone who lives in your community and drives the same roads that you do. When accidents happen – we can relate. We’re familiar with the driving conditions you face each day, because we drive them too. Our goal is to get your vehicle repaired in a timely manner and for you to enjoy a superior claims experience that treats you like a neighbour, not a number.

We want to ensure everyone in our community has the right coverage - and gets rewarded for driving safely

Main Text

What an Automobile Insurance Policy Covers

Third Party Bodily Injury & Property Damage - protects you, and provides coverage for defence costs if someone is injured (or killed) by you, or if you damage their property while operating a vehicle. We always recommend opting for at least a $2 million limit.

Accident Benefits - covers your medical costs to pay for injuries and rehabilitation resulting from an accident, and/or possible funeral expenses, regardless of who is at fault. This coverage includes supplementary medical, rehabilitation and attendant care, caregiver, non-earner and income replacement benefits.

Direct Compensation - Property Damage (DC-PD) - This coverage pays for damage to your vehicle and the loss of use of your vehicle when you are found to be “Not At Fault” in the event of a motor vehicle accident.

Uninsured Automobile - protects you and your family if another driver hits you and they do not carry car insurance. Also allows coverage in hit-and-run scenarios, where you cannot identify the other driver.

Family Protection Coverage (OPCF 44R) - covers you and eligible members of your family in the event of an accident where you are not at fault and the other party has less insurance, or no insurance at all, or is a hit-and-run.

What does an automobile policy cover?

Your policy from Ayr Farmers will include:

Third Party Bodily Injury & Property Damage - Protects you, and provides coverage for defence costs if someone is injured (or killed) by you, or if you damage their property while operating a vehicle. We always recommend opting for at least a $2 million limit.

Accident Benefits - Covers your medical costs to pay for injuries and rehabilitation resulting from an accident, and/or possible funeral expenses, regardless of who is at fault. This coverage includes supplementary medical, rehabilitation and attendant care, caregiver, non-earner and income replacement benefits.

Direct Compensation - Property Damage (DC-PD) - This coverage pays for damage to your vehicle and the loss of use of your vehicle when you are found to be “Not At Fault” in the event of a motor vehicle accident.

Uninsured Automobile - Protects you and your family if another driver hits you and they do not carry car insurance. Also allows coverage in hit-and-run scenarios, where you cannot identify the other driver.

Family Protection Coverage (OPCF 44R) - Covers you and eligible members of your family in the event of an accident where you are not at fault and the other party has less insurance, or no insurance at all, or is a hit-and-run.

Potential Callout/Accordion

How to Save Money on Your Car Insurance

In addition to the savings you'll enjoy with your auto insurance policy from Ayr Farmers Mutual, you can save even more if you:

Maintain a good driving record - The more years you are free of "at fault" accidents, the better your driving record will be. As a result, you'll enjoy lower rates. 

Bundle your car insurance - If you insure property with Ayr Farmers Mutual, you may be entitled to a multi-policy discount. 

Get winter tires - If your tires bear the "Winter Tire" symbol, this means they perform better in the winter months, and you'll get a discount on your car insurance. 

Retire - Are you over 65 and enjoying the retired life? You'll get a discount on your car insurance. 

Are a young driver - We offer discounts to drivers in their first years (G2 and G) of licensing. If you complete driver training, you'll save even more money. If you are away at school without a vehicle, we offer discounted rates as well. 

Potential Accordion: Additions/Enhancements to Policy 

Get Even More Protection 

Add optional coverage to your policy to protect your family in case of a collision or other incident. You may choose to add: 

Increased Accident Benefits - If the standard limits for each of the included accident benefits coverages don't meet your needs, you can increase each limit as required. For example, you can increase the "income replacement" $400 weekly limit to $600, $800, or $1,000. 

Collision - Pays for losses when you are deemed “At-Fault” in an automobile accident, including in a single-vehicle accident (ie. you crash into a ditch because of an icy road).

Comprehensive - Covers specified perils other than those covered by Collision coverage, like flying objects (example: a stray stone hits & cracks your windshield).

All Perils - Combines Collision & Comprehensive coverages under one deductible. Also covers the theft of your vehicle by someone in your household (sounds strange, but it does happen).

Protection Plus - Protects your good driving record if you are at least six years accident-free. In the event of your first "at fault" accident, you keep your accident-free rating! (This protection cannot be applied to accidents resulting in any criminal code or major Highway Traffic Act violations.)

Rental Coverage (OPCF 27) - When this option is purchased for your private passenger or travel trailer, you no longer have to buy the physical damage insurance coverage sold to you as a daily rate when you rent a car. This coverage applies to rented vehicles in Canada and the continental USA.

Farm Vehicles - We insure vehicles that are primarily used on the farm with limited road exposure at a lower rate than most commercial and private passenger vehicles. They must not be used to deliver produce.

Business Use of Your Vehicle - We offer coverage for people using their private passenger vehicle for visiting clients, for example. If the business use of your vehicle is used for deliveries or as a work truck, consider seeking Commercial Auto Insurance (see below).

Commercial Auto Insurance - if your vehicle(s) is/are used commercially - example, your work van for your electrical business, we offer great individually rated commercial auto rates for light and heavy vehicles. Fleet Rating may be available for risks with more than 3 power units & trailers

**Bring over content from existing Auto FAQs page?: https://ayrmutual.com/products/auto-insurance/frequently-asked-questions.html

Put this page in a blog post - What to Do After a Car Accident: https://ayrmutual.com/products/auto-insurance/what-to-do-after-a-car-accident.html

AUTOMOBILE

At Ayr Farmers, we drive the same roads you do. 

When you insure your automobiles with Ayr Farmers, you’re trusting a neighbour – someone who lives in your community and drives the same roads that you do. When accidents happen – we can relate. We’re familiar with the driving conditions you face each day, because we drive them too. Our goal is to get your vehicle repaired in a timely manner and for you to enjoy a superior claims experience that treats you like a neighbour, not a number.

What does an automobile policy cover?

Your policy from Ayr Farmers will include:

Third Party Bodily Injury & Property Damage - Protects you, and provides coverage for defence costs if someone is injured (or killed) by you, or if you damage their property while operating a vehicle. We always recommend opting for at least a $2 million limit.

Accident Benefits - Covers your medical costs to pay for injuries and rehabilitation resulting from an accident, and/or possible funeral expenses, regardless of who is at fault. This coverage includes supplementary medical, rehabilitation and attendant care, caregiver, non-earner and income replacement benefits.

Direct Compensation - Property Damage (DC-PD) - This coverage pays for damage to your vehicle and the loss of use of your vehicle when you are found to be “Not At Fault” in the event of a motor vehicle accident.

Uninsured Automobile - Protects you and your family if another driver hits you and they do not carry car insurance. Also allows coverage in hit-and-run scenarios, where you cannot identify the other driver.

Family Protection Coverage (OPCF 44R) - Covers you and eligible members of your family in the event of an accident where you are not at fault and the other party has less insurance, or no insurance at all, or is a hit-and-run.

Potential Callout/Accordion

How to Save Money on Your Car Insurance

In addition to the savings you'll enjoy with your auto insurance policy from Ayr Farmers Mutual, you can save even more if you:

Maintain a good driving record - The more years you are free of "at fault" accidents, the better your driving record will be. As a result, you'll enjoy lower rates. 

Bundle your car insurance - If you insure property with Ayr Farmers Mutual, you may be entitled to a multi-policy discount. 

Get winter tires - If your tires bear the "Winter Tire" symbol, this means they perform better in the winter months, and you'll get a discount on your car insurance. 

Retire - Are you over 65 and enjoying the retired life? You'll get a discount on your car insurance. 

Are a young driver - We offer discounts to drivers in their first years (G2 and G) of licensing. If you complete driver training, you'll save even more money. If you are away at school without a vehicle, we offer discounted rates as well. 

OPTIONAL Automobile Insurance COVERAGES

Increased Accident Benefits - if the standard limits for each of the included accident benefits coverages don’t meet your needs, you are able to increase each limit as needed. Example: you can increase the “income replacement” $400 weekly limit to $600, $800, or $1,000.

Collision - pays for losses when you are deemed “At-Fault” in an automobile accident, including in a single-vehicle accident (ie. you crash into a ditch because of an icy road).

Comprehensive - covers specified perils other than those covered by the collision coverage, like flying objects (example: a stray stone hits & cracks your windshield).

All Perils - combines Collision & Comprehensive coverages under one deductible. Also covers the theft of your vehicle by someone who is in your household (sounds strange, but it does happen).

Protection Plus - protects your good driving record if you are at least six years accident free. In the event of your first "at fault" accident, you keep your accident free rating! (This protection cannot be applied to accidents resulting in any criminal code or major Highway Traffic Act violations.)

Rental Coverage (OPCF 27) - When this option is purchased for your private passenger or travel trailer, you no longer have to buy the physical damage insurance coverage sold to you as a daily rate when you rent a car. This coverage applies to rented vehicles in Canada and the continental USA.

How to save money on your car insurance:

Maintain a good driving record - The more years you are free of “at fault” accidents, the better your driving record, and the better your rates will be.

Bundle your Car Insurance - If you have a property insurance policy with Ayr Farmers Mutual, you may be entitled to a “multi-policy discount”

Get Winter Tires - if your tires bear the “Winter Tire” symbol, this means they perform better in the winter months, and you’ll get a discount on your car insurance.

Retirees - Over 65 and enjoying the retired life? You get a discount on your car insurance. Perfection.

Young Drivers - We offer discounts for the first years of your G2 and G licensing. If you complete driver training, you’ll save even more money. If you are away at school without a vehicle, we offer discounted rates as well.

 

Farm Vehicles - we insure vehicles that are primarily used on the farm with limited road exposure at a lower rate than most commercial and private passenger vehicles. They must not be used for delivery of produce.

Business Use of your vehicle - we offer coverage for people using their private passenger vehicle for visiting clients, for example. If the business use of your vehicle is used for deliveries or as a work truck, consider seeking Commercial Auto Insurance (see below).

Commercial Auto Insurance - if your vehicle(s) is/are used commercially - example, your work van for your electrical business, we offer great individually-rated commercial auto rates for light and heavy vehicles. Fleet Rating may be available for risks with more than 3 power units & trailers

What to do if you are involved in an automobile accident (content from existing website)

Auto FAQs - content from existing FAQs page.

RECREATIONAL VEHICLES

ATVs & RTVs

About Ontario ATV & Rough Terrain Vehicle (RTV) Insurance:

Whether you are ready to hit the trails or use your workhorse ATV to shovel your driveway faster than anyone on the block, we have ATV & RTV coverage that suits your needs.

ATV & RTV Policy Coverages Included:

Third Party Bodily Injury & Property Damage
Accident Benefits
Direct Compensation - Property Damage (DC-PD)
Uninsured Automobile
Family Protection Coverage (OPCF 44R)

Optional Coverages:

Collision - covers the physical damage to your ATV if you get into an accident and you are at-fault (for example, you hit a tree).
Comprehensive - covers specified perils for your ATV that are not covered by Collision, like falling objects and theft.
All Perils - combines Collision & Comprehensive and uses one deductible
Increased Accident Benefits - if the standard accident benefits are not sufficient, you can increase them as needed.
Attached Implements - For example, a snow plow blade. They do not need to be registered with the Ministry of Transportation, however we do need to know about them to provide coverage for them.

A common misconception about ATVs and private property use: Even if you are only driving the ATV on your private property, they still must be registered with the Ministry of Transportation. Unfortunately, a personal home or farm insurance policy does not provide coverage for ATVs and RTVs as they are defined as a “Motor Vehicle” and must be insured on an Automobile Policy.

SNOWMOBILES

The trails are calling! Our Snowmobile coverage will protect you as you head out for your Saturday afternoon rip.

Snowmobile Policy Coverages Included:

Third Party Bodily Injury & Property Damage
Accident Benefits
Direct Compensation-Property Damage (DC-PD)
Uninsured Automobile
Family Protection Coverage (OPCF 44R)

Optional Coverages:

Collision - covers the physical damage to your snowmobile if you get into an accident and you are at-fault (for example, you hit a
fence).
Comprehensive - covers specified perils for your snowmobile that are not covered by Collision, like falling objects and theft.
All Perils - combines Collision & Comprehensive and uses one deductible
Increased Accident Benefits - if the standard accident benefits are not sufficient, you can increase them as needed.

MOTORCYCLES

We are able to provide coverage for touring-type motorcycles on an automobile policy. Contact your agent or broker to see if
your motorcycle is eligible for coverage with us.

GOLF CARTS & DUNE BUGGIES

Golf Carts and Dune Buggies Can be added to your personal property policy with personal liability extended to their proper use. They are to be used on private property, not on public roads.

UTILITY & CAMPER TRAILERS (Not permanently parked)

Coverage for attached utility trailers and camper trailers can be extended from your personal automobile policy. Coverage is available for physical damage and theft. If your trailer is permanently parked on a seasonal site, see our “Seasonal” page.

MOTORHOMES & RVs

Well, that there is an RV! Motorhomes & Rvs can be added to an automobile policy. Coverage for the contents of your RV typically comes from your home insurance policy.

CLASSIC & ANTIQUE VEHICLES

Never forget the classics. We offer physical damage and road coverages for these types of vehicles that are typically displayed at car shows. Generally, an appraisal to determine their value is required.

Insurance That Works As Hard As You

Please contact us and Get Started Today! One of our agents will work steadfastly to provide you with the information you need. Just shopping around? No problem! Our agents are happy to help provide you with information, so you can make the best decision—For You.

Get Started Today

(519) 632-7413 Contact