Automobile insurance in Ontario is compulsory and regulated by Financial Services Regulatory Authority of Ontario (FSRA). You can find updates on their website (

Germania Mutual provides the standard government regulated Ontario Automobile Policy for all eligible applicants. This policy is updated by the regulator from time to time and all insurance companies are required to honour for policy holders the most recent version as of the renewal date of the policy.  You can find a copy of the most recent version of the policy by clicking this link: (OAP 1) Owner’s Policy – Ontario Automobile Policy ( If you would like a hard copy of this document, you can request one directly from your Broker or Agent.

We take pride in underwriting the policy efficiently and competitively. There is a wide range of discounts and coverages available to policy holders based on specific criteria.

The following Auto Products are available:
• Private Passenger
• Commercial
• Snowmobiles
• ATV’s
• Motorcycles
• Trailers
• Classic & Antique Vehicles

Contact your local Germania Mutual Insurance Broker/Agent for further details on how they can customize a policy for your needs.