Auto insurance update on additional premium for high theft risk vehicles – Ontario

August 21, 2023
Commercial Lines, Personal Lines

We continuously review our auto insurance offering and we're announcing updates effective September 11, 2023 for new business and November 4, 2023 for renewals.

In June, we told you about the additional premium that we implemented to address current challenges in Ontario auto insurance.

We continuously review our auto insurance offering to make sure that we provide you and your customers with competitive coverage. We also heard from you and appreciate your valuable feedback. As a result, we have further refined our offering and I am pleased to announce these updates effective September 11, 2023 for new business and November 4, 2023 for renewals for private passenger vehicles (PPV), IRCA and fleet.

What you need to know

  • We have updated our list of vehicles impacted by the additional premium to apply to 2019 models and newer (previously 2016 models and newer). Other criteria announced in June remain the same.
  • The additional premium now applies to targeted locations in Ontario only (previously all of Ontario).
  • For PPV, the anti-theft discount is now 20%.

As a reminder, customers can reduce their theft insurance premium by installing a Tag system. Your Gore Mutual customers also enjoy $100 off the cost of installation at Speedy Auto Glass locations in Ontario.

We have also updated our FAQ. If you have any questions, please contact your Business Development representative. 

Once again, thank you for your feedback and continued support.


Kate Hogan
Vice President, Broker Engagement and Performance

What’s the latest?

Level up your expertise: Join our monthly personal lines broker training

Personal Lines

February 05, 2026

Boost your Personal Lines skills with our monthly live training sessions led by Senior Underwriters Alison Buckle and Lori Shires. Each session covers core underwriting basics and Guidewire tips to help you stay confident in your day‑to‑day work. Register for any upcoming date and keep your expertise sharp.

Introducing the 2026 Gore University Course Catalogue

Explore the 2026 Gore University Course Catalogue—your go‑to resource for insurance education and broker development. Access foundational learning, advanced technical training, leadership skills, and flexible formats designed to support your growth. Start learning at university.goremutual.ca.