Affordable coverage, tailored to your needs.
Tribal Custom Insurance offers competitive auto insurance for individuals and families across Ontario. Whether you’re commuting daily or driving occasionally, we’ll help you find the right protection—at the right price.
Protection that goes beyond the basics.
Our auto policies are designed to protect you against a wide range of risks, including the following…
Liability Protection
Collision Coverage
Protects your vehicle if it’s damaged in a crash, regardless of who is at fault.
Comprehensive Coverage
Safeguards against theft, vandalism, fire, weather damage, and other non-collision-related risks.
All Perils Coverage
Combines collision and comprehensive insurance for broader protection against unexpected losses.
Accident Forgiveness
Prevents your first at-fault accident from affecting your premium with participating insurers.
Rental Vehicle Coverage
Covers the cost of a rental car if your vehicle is being repaired after an insured claim.
what our valued clients are saying
From someone who knows very little about insurance, they make the entire process smooth and painless.
TCI has provided me with great rates for the last several years now. From someone who knows very little about insurance, they make the entire process smooth and painless. The team is good at building long term relationships with their customers, which provides a solid foundation of trust and a good working relationship.
Brock M
Sarnia, ON
Insurance that puts people first.
At TCI, we go beyond the transaction. Every quote includes a personalized assessment to understand your unique needs. We build relationships with our clients—so whether you’re asking about billing or filing a claim, you’re never just a number. From everyday driving to weekend adventures, we’ve got you covered.
Private Passenger Vehicles
Boats
Recreational Vehicles
Discounts That Help You Save
Ask us about bundling options to maximize your savings. Available discounts vary by provider but may include:
- Multi-vehicle
- Loyalty
- Anti-theft device
- Mature driver
- Winter tires
- Short commute
- Student away at school
- Multi-policy
- New business
- Retiree
- Claims-free
Partnering with Canada’s trusted insurance companies.
Ready to hit the road with confidence?
Get a fast, reliable Ontario auto insurance quote today—customized to fit your needs, vehicle, and lifestyle.
Have Questions?
We’ve Got Answers.
Whether you’re new to insurance or comparing providers, we’re here to make things clear and simple.
What kind of car insurance do I legally need in Ontario?
In Ontario, all drivers are legally required to carry a minimum level of auto insurance coverage. This includes Third-Party Liability (which protects you if someone else is injured or their property is damaged in an accident you cause), Accident Benefits (medical and income replacement), Direct Compensation-Property Damage (for damage to your own vehicle when you’re not at fault), and Uninsured Automobile Coverage. At TCI, we help you meet these legal requirements while also exploring optional coverages like collision, comprehensive, and loss-of-use protection, so your vehicle—and your peace of mind—are fully protected.
Do I qualify for a discount with winter tires?
Yes—if your vehicle is equipped with certified winter tires during the winter months (typically November through April), you may qualify for a winter tire discount on your Ontario auto insurance premium. Insurance providers recognize the improved safety winter tires offer in cold, icy conditions, which can lead to fewer claims and more savings. TCI works with leading insurers and will ensure any eligible discount, including winter tires, is applied to help reduce your premium.
Can I insure my ATV and car on the same policy?
In many cases, yes. Depending on your insurer, you may be able to bundle your ATV insurance with your standard auto policy—streamlining your coverage and saving you money. At TCI, we specialize in insuring a wide range of vehicles including recreational types like ATVs, snowmobiles, and side-by-sides, alongside personal-use cars and trucks. Bundling options can also make it easier to manage your coverage and may unlock additional multi-vehicle or loyalty discounts.
What happens if I need to file a claim?
Simply contact our office during business hours, or refer to your insurer’s 24/7 claims line for immediate assistance. We’ll help you gather the necessary details, explain your policy coverage, and walk you through the process—from initial report to resolution. Our team works hard to advocate for your best outcome and ensure you feel informed and supported throughout your claim.
Will my policy cover a rental car if my vehicle is in the shop?
Rental car coverage is not automatically included in basic auto insurance policies in Ontario, but it can be added as an optional endorsement—often called loss of use or transportation replacement coverage. If selected, this feature helps cover the cost of a rental vehicle while your car is being repaired due to an insured event, such as a collision. TCI will help you understand this option and include it in your policy if it fits your needs, so you’re never left stranded when your vehicle is out of service after a result of a claim.