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Let us help you select the best coverage to protect your precious cargo

Auto insurance goes far beyond covering damages; it’s your reassurance in the face of the unpredictable twists and turns on the road. As members of your community who navigate the same roads and face similar conditions, we understand the challenges you may encounter.  We offer an array of coverage options including insurance for liability, collision, comprehensive, increased accident benefits and more. Recognizing the individuality of each driver, we provide personalized coverage that caters to your unique needs, whether you’re a seasoned driver or just setting out on your journey. Our ultimate goal is to empower you to fine-tune your coverage to align precisely with your specific requirements. 

Explore the many options of auto insurance

Liability Insurance Coverage

Handles expenses for bodily injury or property damage when the insured driver is at fault.

Collision Insurance Coverage

Steps in to address vehicle damage.

Comprehensive Insurance Coverage

Protects your vehicle for non-collision incidents including but not limited to, theft, animal strike, and windshield damage.

Accident Benefits Coverage

Provides coverage for medical expenses, rehabilitation, and income replacement to policyholders or passengers injured in an accident. There are options to increase your benefits from the standard coverage.

Transportation Replacement Coverage

Offers coverage for a temporary rental vehicle if your own vehicle is undergoing repairs due to a covered loss.

Emergency Roadside Service Coverage

Reimburses minor expenses up to $50.00 when you are stranded on the side of the road due to flat tires, dead batteries, or lockouts.

Protection Plus Coverage

Waives your first at fault accident and maintains your driving record.

Minor Conviction Protection Coverage

Forgives your first minor conviction and prevents that conviction from affecting your insurance cost.

Waiver of Depreciation Coverage

Removes depreciation of the value of your vehicle in a claims settlement.

And more …

Contact us about more options available.

Make sure you are receiving all the discounts you are entitled to!

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You can reduce your insurance premium if you qualify for one or more of our discounts.

  • Multi Vehicle
  • Long Term Policyholder
  • Short Distance Commute
  • Retiree Discount (65 years of age)
  • Multi Policy Discount
  • GenNow Discount (for young drivers whose parents have their auto insurance with Lambton Mutual)
  • Trail Master Discount (snowmobile)
  • Mature Driver Discount (ages 50-75)
  • Winter Tire Discount
  • Student Away from Home
  • Graduated Licensing Discounts (G2 and G)

Explore our other insurance options

Property Insurance


We understand that your home is more than just a property, it’s your sanctuary. Rest assured, our property insurance coverage is designed to keep your cherished space safe and secure while providing you with support.

Farm Insurance


With us by your side, you can focus on nurturing your land and livestock, knowing that we have your back to protect your hard work through every season.

Commercial Insurance


We get it – running a business comes with its own set of challenges and dreams. That’s why our commercial insurance coverage is designed to protect your investment and help your company thrive.

Not sure where to start?

Reach out today, and our dedicated team will provide you with the guidance, assistance, and answers you need to make informed decisions about your insurance coverage.