Auto insurance in Ontario through CUMIS
Through CUMIS, YNCU members can explore auto insurance that helps protect their vehicle. Get coverage options for your car, truck, SUV, or EV, with support built for the road ahead.
Preferred rates for credit union members- Various coverage options for your vehicle
What is auto insurance?
Auto insurance helps protect you, your vehicle, and your finances if something happens on the road. Depending on your coverage, it may help with vehicle damage, liability claims, accident benefits, theft, and other insured events. Through CUMIS, YNCU members can explore auto insurance options in Ontario.
Auto insurance benefits through CUMIS
YNCU members can explore auto insurance in Ontario with benefits that support safer driving, everyday protection, and potential savings, including accident forgiveness, claims-free savings, optional roadside assistance, and home and auto bundle savings.
Accident forgiveness
Eligible policies may protect your insurance rating after a qualifying at-fault accident. Conditions apply; other premium changes remain possible.
Claims-free savings
You may qualify for a discount based on your driving and claims history. Eligibility requirements apply; savings aren’t guaranteed.Optional roadside assistance
Ask about optional roadside assistance for unexpected vehicle trouble. Available services, costs and limits depend on the plan selected.
Bundled savings
You may qualify for savings when you bundle home and auto insurance through CUMIS. Conditions apply; savings aren’t guaranteed.
Coverage, discounts and accident forgiveness are subject to eligibility and policy conditions. Limits, exclusions and applicable deductibles apply. Optional coverage costs extra. Savings vary and are not guaranteed.
Get an auto insurance quote in a few minutes
You can request an auto insurance quote online through CUMIS and see what coverage could look like for your vehicle.
What things can auto insurance cover?
Auto insurance is not one-size-fits-all. Through CUMIS, YNCU members can explore coverage that fits how and what they drive, including liability protection, accident benefits, vehicle damage, uninsured driver coverage, and optional roadside assistance.
Liability coverage
Helps protect you financially if you are responsible for injuring someone or damaging another person’s property.
Accident benefits
Can help with certain costs and expenses if you are injured in a vehicle accident, regardless of who caused it.Damage to your vehicle
Optional coverage may help protect your vehicle from damage caused by collision, theft, fire, vandalism, weather, or other insured events.Uninsured automobile coverage
Can help protect you if you are involved in an accident with an uninsured or unidentified driver.
Roadside assistance
Optional coverage can give you extra support if your vehicle breaks down or you need help on the road.
What if I drive an EV?
Commonly asked questions
Yes. Ontario has compulsory auto insurance, which means every vehicle registered in the province must be insured.
The cost can depend on your vehicle, location, driving history, claims history, coverage choices, deductible, how you use the vehicle, and other rating factors.
Yes. Bundling auto and home insurance through CUMIS may help you save, depending on your coverage and eligibility.
Accident forgiveness may help protect your premium after your first at-fault accident, if you qualify. Conditions can apply, so it is worth asking how it works before choosing coverage.
A deductible is the amount you pay toward a claim before insurance helps cover the rest. A higher deductible may lower your premium, but it also means you pay more if you make a claim.
Theft may be covered if you have the right optional coverage. Ask about comprehensive or specified perils coverage when getting a quote.
Rental vehicle coverage may be available, depending on your policy and optional coverage. Ask what applies before renting a vehicle.
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Auto insurance is underwritten by CUMIS General Insurance Company and administered by Co-operators General Insurance Company. YNCU is not the insurer.
This page provides general information only. Insurance is subject to applicable eligibility and underwriting requirements and product availability. Coverage depends on the policy purchased and is subject to terms, conditions, exclusions, coverage limits and applicable deductibles. Not all vehicles, uses, drivers or losses are covered. Optional coverage may require an additional premium.
Preferred member rates, claims-free discounts, multi-vehicle discounts and bundled savings are subject to eligibility and insurer rules. Savings vary and are not guaranteed. A discount does not guarantee that your total premium will decrease at renewal.
Accident forgiveness or driving record protection applies only where included in your policy and where its conditions are met. It may protect your rating with the insurer following a qualifying at-fault accident. It does not erase the accident from your driving history, guarantee recognition by another insurer or prevent premium changes for other reasons.
Vehicle damage coverage depends on the protection selected. Collision, comprehensive and other optional coverages protect against different risks and may have separate deductibles and exclusions. Mechanical breakdown and ordinary wear and tear are not automatically covered.
Accident benefits are subject to Ontario law and the coverage included in your policy. Following changes effective July 1, 2026, medical, rehabilitation and attendant care benefits remain mandatory, while other accident benefits, including income replacement, are optional. Confirm your selected benefits and limits with a licensed insurance representative.
Uninsured automobile coverage is subject to specific requirements and limits. Protection for bodily injury involving an unidentified driver does not mean that damage to your vehicle caused by an unidentified driver is automatically covered.
Where available and purchased, roadside assistance is subject to the applicable service terms, eligible vehicles, geographic restrictions and service or reimbursement limits. It does not cover every breakdown expense or the cost of vehicle repairs.
A quote does not confirm that coverage is in force. Coverage begins in accordance with the insurer’s confirmation and the policy’s effective date and conditions. Provide complete and accurate information about drivers, vehicle use and other requested details, and notify the insurer of changes as required.
Review your policy documents and endorsements for complete coverage details. Contact a licensed insurance representative for advice about your insurance needs.
CUMIS® is a registered trademark of The CUMIS Group Limited.