If you drive a Ford and live in Ontario, there’s a new insurance option on the road that’s worth checking out. Ford Canada has partnered with The Co-operators, a trusted Canadian insurance provider, to offer something called Ford Insure. It’s designed specifically with Ford drivers in mind and comes with features that make it a strong option, especially if you’ve recently purchased a new Ford vehicle.
Let’s look over what Ford insurance offers, what makes it different from typical auto insurance policies, and what to watch for before you decide to make the switch.
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What is Ford Insure?
Ford Insure is an auto insurance product offered through a partnership between Ford Canada and The Co-operators. It’s available to Ontario drivers and focuses on providing a straightforward, driver-focused experience. If you’ve ever felt like your insurance company didn’t understand your vehicle, this program is an attempt to fix that.
Ford Insure is open to Ford drivers as well as those with other makes and models, though it’s tailored to enhance the ownership experience for Ford buyers.
Instant Discount Just for Signing Up
When you sign up for Ford Insure, you get an automatic 5 percent discount on your premium. There’s no catch or extra steps needed to qualify, it’s applied right away. While it may not seem like a massive discount, it’s a good start, especially when bundled with other perks that come standard with this policy.
Genuine Ford Parts Guaranteed (OEM Coverage)
If your vehicle is in an accident, your insurer will typically use either original manufacturer parts or aftermarket alternatives, depending on your policy and provider. Ford Insure offers an OEM Parts Guarantee that’s automatically included for free if you’re the first owner of a new Ford vehicle. This means that during repairs, your vehicle will be fixed using genuine Ford parts, not generic substitutes.
This coverage lasts for the first five years of ownership, provided OEM parts are available. It does not apply in the event of a total loss (when your vehicle is written off), but it’s an excellent feature for anyone concerned about the quality and safety of their vehicle after a repair.
If you’ve ever had a repair done with aftermarket parts that didn’t quite fit right or wore down quickly, you’ll understand why this guarantee matters. It keeps your Ford… well, Ford.
24/7 Claims Support and Respectful Service
Ford Insure also promises round-the-clock claims service. You can call them at 1-844-730-FORD (3673) anytime, day or night, if you need to report a claim.
But it’s not just about speed. According to The Co-operators, you’ll also have access to:
- Claims counselling to help you understand your options
- A trusted network of repair and replacement vendors
- A focus on respectful, efficient service during what can often be a stressful experience
It’s a customer-first approach that’s trying to raise the standard for auto insurance service in Canada.
The Service Review Panel
Another unique feature is the Service Review Panel. This is a group of real Co-operators clients who volunteer to review escalated claims. If you’ve ever felt like your case got buried in a system or denied unfairly, this panel offers a fresh set of eyes from people who’ve been in your shoes.
If the panel believes a claim decision should be changed, The Co-operators has agreed to follow their recommendation. It’s a rare move toward transparency and accountability in an industry where many customers often feel unheard.
Optional Add-Ons to Try
Ford Insure also offers a few optional extras that may be useful depending on how you drive:
Emergency Road Service
This coverage reimburses up to $50 each time your vehicle needs emergency assistance: things like towing, jump-starts, or getting help when you’re locked out. It doesn’t cover gas, oil, batteries, or parts, but for minor roadside issues, it offers helpful support.
Physical Damage Extension
This add-on is useful if you often rent vehicles. It extends your coverage to include physical damage to rental cars and also includes “loss of use” coverage, which helps cover the cost if you can’t drive your vehicle while it’s being repaired.
A Few Limitations to Keep in Mind
There are a few things you should be aware of before signing up:
- It’s only available in Ontario, at least for now.
- Bundling options are not available. So if you want to combine your auto and home insurance with one provider to save more, Ford Insure won’t support that — at least not yet.
- OEM Parts Guarantee is only for new vehicles and only if you’re the first registered owner.
- Coverage for OEM parts does not apply in total loss situations.
These aren’t deal-breakers for most drivers, but it’s worth keeping in mind depending on what kind of coverage you’re used to.
Should You Get Ford Insure?
Ford Insure is a strong option if:
- You drive a new Ford and want to protect your vehicle using genuine parts
- You value customer service and transparency
- You’re okay not bundling your auto insurance with home or tenant policies
If you’re leasing or financing a Ford, the built-in OEM coverage might also offer peace of mind that helps protect the value of your vehicle.
That said, it’s always smart to compare your options. Insurance rates and features can vary a lot depending on your age, location, driving history, and vehicle model.
Want to See if You Can Get a Better Rate?
While Ford Insurance is a solid idea, it’s not the only choice available. If you’re curious about what other insurers might offer you, especially if you’re looking for bundling or want to see if someone can beat your current price, platforms like BeatMyInsurance.com make it easy. You can post your insurance needs and get quotes from multiple brokers who are actively competing to give you the best rate.
It never hurts to compare.
Final Thoughts
Ford Insure is a thoughtful new option for Ontario drivers, especially those who want to keep their vehicles in top condition using manufacturer-grade parts. The Co-operators bring a lot of experience and credibility to the table, and the extras like claims counselling, service reviews, and emergency support show they’ve tried to create a customer-first policy.
Disclaimer: It may not be the right fit for everyone, but if you’re driving a Ford, it’s worth exploring. Just be sure to compare it with other offers to make sure you’re getting the best deal for your specific needs.
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