Winter in Canada brings more than snowbanks and frosty mornings, it brings questions, lots of them. And with so much mixed information online, it’s easy for myths to feel like facts.

At Merit Insurance, clarity is the real protection. So we’re breaking down the top Ontario-specific winter insurance myths we hear every year and sharing what actually matters when temperatures drop.

Myth #1: “Winter tires only matter for getting a discount.”

Busted: In Ontario, winter tires do qualify you for a discount — but that’s not the only reason they matter. Winter tires significantly reduce braking distance, improve control on icy roads, and lower your overall risk of a collision. Even with the discount, their biggest value is safety, not savings.

Many drivers think the discount is the main benefit, but insurers look at winter tires as a key factor in preventing claims in the first place. Installing true winter tires (not all-weather) can make a measurable difference in how your vehicle performs once temperatures drop below 7°C.

The Merit Difference:
We look beyond the discount. We make sure your coverage reflects your actual winter driving habits and help you understand how tires, driving conditions, and coverage choices work together, because preventing a winter accident is always better than dealing with one.

Myth #2: “My home insurance will always cover frozen pipes.”

Busted: Not always. If your pipes freeze because the home wasn’t maintained, heated, or properly prepared, coverage may not apply. Insurers expect reasonable prevention, especially during Ontario winters.

What you can do:

●      Keep your heat on, even when you’re away

●      Insulate exposed pipes

●      Shut off exterior water lines

●      Ask us about low-temperature monitoring requirements

The Merit Difference:
We walk you through your policy wording so you know exactly what’s covered and how to avoid costly surprises.

Myth #3: “All winter weather damage to my vehicle is covered.”

Busted: Only the right coverage protects you from winter hazards like icy collisions, snowbank damage, falling branches, hail, or vandalism during a storm. Without collision or comprehensive coverage, some losses may fall back on you.

The Merit Difference:
We adjust your auto coverage based on your driving habits, commute, and real seasonal risks, not guesswork.

Myth #4: “If someone slips on my icy walkway, insurance won’t help.”

Busted: Home insurance often includes liability protection if someone is injured on your property, but proper maintenance matters. If you never shovel or salt, you could run into issues during a claim.

What insurers expect:
Regular shovelling, salting, and reasonable winter upkeep.

The Merit Difference:
We review your liability limits with you, making sure they reflect today’s realities, not outdated defaults.

Myth #5: “Minor winter accidents aren’t worth reporting.”

Busted: Even a small parking-lot bump can become a problem later. If the other driver reports it or hidden damage appears, failing to disclose the incident can complicate future claims.

When in doubt, call us.
We help you understand what should be reported and what may qualify for collision forgiveness.

From frozen pipes to icy commutes, winter tests everything — but your insurance shouldn’t leave you out in the cold. At Merit Insurance, we take a hands-on, personal approach so you always know exactly where you stand.

To review your winter coverage or confirm your policy is fully prepared for the season, contact your Merit broker. We’re here to help you navigate winter with clarity and confidence.