Gore Mutual Insurance

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About Gore Mutual Insurance

Gore Mutual Insurance Company has offered Canadians a stable, long‐term solution for their insurance needs since 1839. No surprise then that the company's motto is "Insurance that does good."

The company provides personal and commercial insurance through their Cambridge, Ontario and Vancouver, British Columbia offices.

Gore is a mutual insurance company. It means policyholders own the company, and profits and premiums are either retained by the company or distributed to members through reductions in premiums or dividends.

Gore doesn't have dedicated insurance agents. Instead, its products are available from insurance brokers.

Gore is a fairly small Canadian insurer. As of mid-2022, it had approximately 500 employees (compared with Intact Insurance, which has roughly 15,000 employees). It has ambitions of becoming a nationally recognizable brand, though. In 2022, it embarked on a phased brand refresh and opened a downtown Toronto office.

It also announced that it had significantly enhanced its technology and products, with more changes to come. The company intends to offer insurance products Canada-wide and become one of the top 10 insurers by 2030.

Gore Mutual has a formal Social Impact Strategy. It has pledged to support three of the 17 United Nations (UN) Sustainable Development Goals: to eliminate poverty, reduce inequality, and take action against climate change.

The Gore Mutual Foundation, established in 1998, is a private charity that provides grants to community programs that align with the foundation's goals and have a measurable impact on the neighbourhoods they serve. The foundation has donated more than $12 million over the past 20 years.

Recent auto insurance rates from Gore Mutual

Gore Mutual operates in both B.C. and Ontario but only provides car insurance to drivers in the latter province. According to the Financial Services Regulatory Authority of Ontario (FSRA), the provincial car insurance regulator, Gore Mutual's sales represented 1.64% of the total insurance market in 2021. In 2020 and 2019, its business activities constituted 1.4% of the Ontario insurance market.

One of FSRA's primary functions is to regulate rate changes. Car insurance companies in Ontario must request permission from FSRA to change the rates they charge customers and provide a rationale for it.

Below are some recent rate changes FSRA granted for Gore Mutual (for the full list, visit FSRA's website):

  • +4.94% (effective Jul. 1, 2022)
  • -0.15% (effective Jun 1, 2022)
  • +0.23% (effective Oct 4, 2021)
  • -4.96% (effective Jan 1, 2021)

Read on to learn more about what Gore Mutual auto insurance can offer you. Use our online tool to compare Gore Mutual auto insurance quotes and quotes from 50+ Canadian car insurance providers.

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What does Gore Mutual offer?

Right now, Gore Mutual only provides personal car insurance to Ontario drivers.

To Ontario customers, it offers standard auto insurance with the option of additional insurance products on top to enhance coverage.

Standard auto insurance policy from Gore includes:

  • Third-party liability: this coverage will help pay damage you cause to another person's vehicle or property and cover legal expenses.
  • Accident benefits: This will pay for your medical expenses regardless of who was at fault for causing the accident.
  • Direct compensation property damage: Gore Mutual will pay to repair or replace your car if you were involved in an accident you weren't at fault for.
  • Uninsured motorist: Provides financial support if you're involved in an accident with a driver who didn't have third-party liability coverage or suffered damages by a hit-and-run driver.

Optional coverages that are available from Gore Mutual include:

  • Collision or upset: Pays to have your car repaired or replaced if you're involved in a vehicle collision you are at fault for.
  • Comprehensive: Compensation for when your car is damaged by something other than another vehicle. Examples include vandalism, falling trees, hail, and theft.
  • All perils: Combines collision and comprehensive coverage.
  • Specified perils: Protects you from specific insured risks. You must indicate which ones you want coverage for (think of it like a la carte insurance). Worth having if you need less comprehensive coverage but want protection from a specific type of peril you think you'll likely encounter.
  • Optional accident benefits: Increases your standard accident benefits coverage for additional protection.
  • Increased third-party liability: Increases your third-party liability coverage for more protection. You can purchase up to $5 million in insurance coverage from Gore Mutual.
  • Driving record protection: Your insurance premium won't increase after your first at-fault claim.
  • Rental vehicle: Pays for a portion of the cost of a rental car when your personal vehicle is being repaired or replaced due to insurable peril.
  • Removing depreciation deduction: This prevents Gore Mutual from factoring in depreciation when calculating your claim so that you can replace your car with an equivalent make and model.

Gore Mutual also offers discounts to customers who purchase home and auto insurance.

Gore Mutual's promise to customers who need to file a claim is that you'll only have to deal with a single point of contact from beginning to end of the claims process. Your claims agent will provide regular updates, so you're never left wondering about the status of your claim. You can use your auto repair shop or go through Gore's ClaimCare Network, which comes with a workmanship guarantee. Claims agents can be reached 24/7.

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Gore Mutual contact information

Need to contact Gore Mutual Insurance with general inquiries about their company or insurance products? Gore Mutual offers a number of ways to get in touch. Reach out to the appropriate contact through one of the following ways:

Head office

252 Dundas St PO Box 70

Cambridge, ON, N1R 5T3

Toll free: 1-844-974-GORE (4673)

Local: 519-623-1910



320 Bay St, ON M5H 4A6,


505 Burrard St, BC V7X 1M6.


You can contact your broker or contact Gore Mutual directly at 1-844-974-GORE(4673)

Gore Mutual pledges to start the claims process the same day, even during extreme weather events, so expect to hear from a claims agent the same day. Gore Mutual also promises that policyholders will not be routed through a call centre. Instead, policyholders will be assigned a claim handler that will be dedicated to the case until the claim is settled.

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Frequently asked questions about Gore Mutual

Is Gore Mutual a Canadian company?

Yes, Gore Mutual is a Canadian company. It was founded nearly 200 years ago (which means it predates Confederation) in Brantford, On., and was one of Canada's first property and casualty insurance companies.

It provides auto, home, tenant, and commercial insurance to individuals and businesses in Ontario and B.C. (auto insurance coverage is only available in Ontario).

In 2022, the company stated its mission is to expand across Canada and become one of the top 10 insurers by 2030.

Is Gore Mutual a public company?

No, Gore Mutual is not a publicly traded company. It is a mutual insurance company, meaning it is owned by policyholders rather than shareholders.

How large is Gore Mutual?

Gore Mutual has not publicly disclosed how many customers it has.

In Ontario, Gore Mutual captures about 1.6% of the insurance market, according to the Financial Services Regulation Authority of Ontario (FSRA).

As of 2021, Gore Mutual had roughly $50 million in gross written premiums (GWP). This metric represents the total amount it receives in premiums from policyholders before deductions.

It reported a combined operating ratio of 92% in 2021. This ratio compares claims and costs to premiums and indicates whether an insurance company is profitable. If the ratio exceeds 100%, the insurance company isn't profitable.

Gore Mutual has $1.1 billion in assets.

In 2021, Gore Mutual had about 500 employees, and in 2019, it announced plans to expand its workforce by 25%.

What is a mutual insurance company?

A mutual insurance company is owned by policyholders rather than shareholders. In fact, you're not just a policyholder, you're also considered a "member" of the company.

Profits are either held by the company or redistributed amongst members in the form of dividends or discounted premiums.

The process of transforming a mutual company into a public one is called demutualization.

Demutualization usually occurs when a company is looking to raise money from investors.

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