Ask what qualifies
Insurers can define documentation, dates or tire requirements within approved programs.
Do not buy tires solely for an insurance discount
Winter tires are primarily a driving-safety and seasonal-traction decision.
Keep purchase records
Receipts may help if an insurer requests proof.
Recheck renewal documents
Discount coding can sometimes need updating after vehicle or insurer changes.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.