As winter settles in across Ontario, it is a good time to review a few practical steps that can help you stay safe on the road and at home. Weather conditions can change quickly throughout the province, and a little preparation can go a long way.
Prepare Your Vehicle for Winter
Before snow, slush, and icy roads become part of your daily commute, consider installing winter tires. In Ontario, winter tires can improve traction and handling in colder temperatures. Some insurance providers may offer a discount if your vehicle is equipped with winter tires, so it may be worth checking with your broker to see if you qualify.
You may also want to consider a roadside assistance membership such as Canadian Automobile Association (CAA). Services can include battery boosts, flat tire assistance, fuel delivery, lockout support, and towing. Having access to roadside assistance can provide added peace of mind during the winter months.
Check Conditions Before You Go
Ontario weather can vary significantly by region and can shift throughout the day. Before heading out, check the local forecast and road conditions. If a significant storm is expected, consider whether your trip is necessary or if it can be postponed. Allowing extra travel time and adjusting plans when needed can help reduce stress and risk.
Practice Safe Winter Driving
Winter driving requires patience and attentiveness. Slowing down, accelerating gently, and allowing for greater stopping distances can help you maintain control on snow covered or icy roads. Avoid using cruise control in winter conditions, as maintaining consistent traction can be challenging.
Keep a safe following distance from other vehicles. Reduced traction means it may take longer to stop, and extra space can help prevent collisions. Clearing all snow and ice from your vehicle, including the roof, hood, windows, and lights, improves your visibility and helps prevent snow from blowing onto other vehicles.
It is also a good idea to keep your fuel tank at least half full during the winter months. This can help prevent fuel line freezing and ensure you have enough fuel if you are delayed due to traffic or weather.
Keep a Winter Emergency Kit in Your Vehicle
Unexpected situations can happen, whether it is a breakdown, collision, or sudden road closure. Having a winter emergency kit in your vehicle can make a difficult situation more manageable.
Items to consider include:
✔️ Flashlight or headlamp with extra batteries
✔️ Reflective safety triangle or road flares
✔️ First aid kit with basic supplies
✔️ Non perishable snacks and bottled water
✔️ Jumper cables
✔️ Multi tool and basic repair supplies
✔️ Blanket, extra gloves, hat, and warm clothing
✔️ Ice scraper and snow brush
✔️ Small shovel
✔️ Phone charger or power bank
You can assemble your own kit or purchase a pre made version designed for winter travel.
Be Aware of Local Snow Clearing Responsibilities
Homeowners in many Ontario municipalities are responsible for clearing snow and ice from sidewalks adjacent to their property within a specified time after a snowfall ends. Timeframes and requirements can vary by municipality, so it is important to review your local bylaws. Failing to clear walkways could result in fines, and property owners may face potential liability concerns if someone is injured on uncleared surfaces.
A Little Preparation Goes a Long Way
Winter in Ontario brings beautiful scenery, but it also brings unique challenges. Preparing your vehicle, adjusting your driving habits, keeping emergency supplies on hand, and understanding your responsibilities as a homeowner can help reduce risks during the season.
If you have questions about winter tire discounts, coverage options, or liability considerations, speaking with your insurance broker can help ensure your policy reflects your needs throughout the winter months.
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