Now that you can see your breath on crisp mornings, it’s time to switch to winter tires in order to ensure maximum safe grip for cornering and stopping. In addition to the investment in your safety, “Winter Tire Discounts” are able to be applied to your insurance. Tires must be on before November and remain on the vehicle through April to be eligible for the discount. Discounts vary between 2% to 5% depending on company, some companies require proof of purchase or proof of installation. Check with your insurance broker to confirm what information you need to provide. It is crucial that the tires are rated “Winter” as opposed to “All-Seasons” or “Mud and Snow”. 




The design and durability of winter tires enhances control through snow and ice and other poor driving conditions. Winter tires are a much safer option than “All-Seasons” or “Mud and Snow” rated tires. Rubber in all-season tires starts to lose elasticity and harden at around 7°C, significantly reducing the tire’s ability to grip the road. Winter tires harden at around -40°C, allowing them to maintain elasticity in much colder temperatures. In a recent test, stops on cold bare pavement from 50 km/h produced results of 18 metres for winter tires and 27.1 metres for all-seasons. That’s 33.6% shorter for winter tires — the difference between “crunch” and “phew!” This guarantee of a safer drive is a safety feature insurance companies wish to support. 

 Many places around the world have made winter tires mandatory by law, including Germany, Quebec, sections of British Columbia, and many others. Since issuing these laws, the reduction in winter-road related accidents has significantly reduced, in some places by more than 50%. In Germany, for example, the winter tire law was passed in 2008. In 2005, there were 12,539 personal-injury collisions. In 2008, there were just 6,033. 

There are a few factors to consider when choosing which winter tires are best for your commute. Those living in remote areas may consider the option to add studs to their tires for traction on ice and snow, the only drawback of studded tires being that they lack traction on slush and bare asphalt. The distance of your commute should also be considered. Some winter tires are great on ice and others are better in snow, while some tires are suitable for both conditions. It is recommended that you talk with your local tire retailer to ensure you are prepared for a safe driving winter. 

Winter tires are an excellent safety investment looking forward to the upcoming winter months. Before November begins, contact your broker for more information on your company’s specific discount and requirements. 


Drive Safely, 

 Hutcheson, Reynolds & Caswell LTD Insurance Brokers


Since the 1900's...

Born under the name George Hutcheson, Hutcheson, Reynolds & Caswell Ltd. began providing insurance policies in Muskoka since the early 1900s. Bernard Reynolds joined the firm in the 1940s and purchased the firm from George Hutcheson in 1967. Finally, in 1980, David Caswell joined the company's ranks to complete Hutcheson, Reynolds and Caswell. We have grown along with our name and provide the same dedication to superior customer service and top-notch insurance coverage that George Hutcheson was famous for over 100 years ago.