Types of Vehicles Insured

We know what drives you

A lot of companies can sell you auto insurance these days, but not many of them have travelled the same roads or have roots in the same hometowns. At Middlesex Mutual Insurance we know who you are because we come from the same place. That's a difference that matters.

So, whatever your needs, you've got coverage to get you back on the road with minimum fuss and hassle. A Middlesex Mutual agent is ready to help you with the coverage you need.

In Ontario, all registered vehicles must have insurance provided by a private insurer.

We offer protection for a wide range of vehicles:

Antique and classic automobiles

We know how much you enjoy the ride in your 1967 Ford Mustang. So whether you use your collector car for light leisure driving or just for auto shows, we offer the protection you need.

An appraisal is required to ensure proper coverage is in place.

Commercial vehicles

At Middlesex Mutual we insure commercial vehicles used to carry goods or materials for use or delivery.

A commercial vehicle can be a car, van, pickup truck, trailer, or commercial truck.

Farm vehicles

Vehicles owned by the farm and used to carry agricultural goods or materials for use, or delivery. These vehicles are not driven to work or school or used to haul other people's property.

A farm vehicle can be a pickup truck, van, trailer or commercial truck.

Motorcycles and mopeds

However and wherever you ride, you know a motorcycle has unique risks.

All drivers must hold a valid Ontario Motorcycle Driver's license. Please see the Ministry of Transportation – Ontario website for additional Motorcycle licensing information.


You enjoy the freedom to go when you want and where your motor home will take you. Exploring the countryside or just visiting a national park, your motor home is your home away from home.

We have a package policy that provides enhanced insurance coverage.

Personal use automobiles

A personal-use vehicle can be a car, minivan, SUV or pickup truck used for pleasure or business or commuting to and from work. These vehicles are designed for use on highways and public roadways.

Whatever you drive, Middlesex Mutual has coverage options to help you get the coverage you need.

Recreational vehicles

Our policyholders lead active lifestyles, exploring the country on off-road trails made for all-terrain vehicles (ATV) and snowmobiles.

We insure off-road vehicles, 4-wheel all-terrain vehicles, snowmobiles, and personal-use utility or camper trailers.

Please note:

For illustration purposes only. Actual policy wordings govern. The above is meant as general information to help you understand the different types of coverages. All coverages are subject to the terms, limits, provisions, exclusions, and conditions in the policy itself. Coverage availability is subject to underwriting eligibility and guidelines. We encourage you to speak to your agent or broker and to read your policy contract fully to understand your coverages.