APA members with relatively clean driving records are eligible for home and/or auto group insurance with Traders General Insurance. Traders is part of Aviva Canada Inc., one of the leading Property and Casualty insurance groups in Canada, providing home and automobile insurance to over 3 million customers.

The APA group insurance is handled by Randle Insurance Agencies in Quebec and Sound Insurance Services Inc. in Ontario. With Randle and Sound, the APA can offer consumers the best of both worlds - a large well-staffed insurer with the ability to offer very good rates, and small brokerages which pride themselves in having a personal relationship with clients.

Profile of the APA Group

APA members in the group own a high percentage of new vehicles, or they own older, well-maintained vehicles. APA group members are low risks who fall into the prudent, informed buyer category - they had to be for the group to qualify for lower rates, as it had no track record when the plan started. The majority fall into the 30 to 75 year old range, generally recognized as the lower risk categories.


Group insurance is a way for the APA to add value to the benefits of membership in the Association. Since your insurance renewal is an annual event, benefits continue to accrue after the first year, adding value to the APA renewal.

In order to qualify, you must be a registered owner of a vehicle for the last few years, and have a relatively clean driving record-- -a maximum of two claims in the last six years. Members who qualify for the group plan can look forward to savings of $75-$200 per insured vehicle compared to your existing coverage in many cases. (Consumers already covered under other group plans will see smaller savings.)

If you do not qualify for the APA group, our broker can still provide a quotation, but the rate will be higher.

Other Benefits

- No service or interest charges for monthly payments

- Toll-free telephone service and 24-hour emergency Claims service

- Service from licensed, highly trained insurance professionals

- In the event of a disagreement on the value of your car should it be written off after a collision or stolen and not recovered, you can ask the APA to appoint an arbitrator, and the decision is binding on both you and the insurance company. Randle Insurance pays for the whole cost of the arbitration (Quebec auto policyholders only).

How to obtain a quotation:

  1. Do your research first. A quotation from your current insurer is a good place to start, particularly if you are about to change to a newer, more expensive vehicle.
  2. Be prepared to provide your insurance quotation as a reference. Pricing of insurance policies is not an exact science and it is sometimes better to have the underwriter aim to beat a target.
  3. Be sure you are comparing apples with apples: same coverages, same endorsements. Do you currently receive a discount for having combined home and auto insurance, or more than one car on a policy? Mention it to the broker.
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  4. Unless you're looking for better service, the APA does not recommend you switch insurers for a few dollars' difference. Residents of British Columbia, Manitoba and Saskatchewan cannot benefit from the group auto coverage, as these provinces have government-run auto insurance programs. However, group home insurance is still available. Residents of Quebec can purchase public liability and collision insurance through Randle Insurance, but personal injury is covered by the province's government auto insurance plan.

To reach Sound Insurance (Ontario members):

Canada-wide: 1-888-756-3334
Fax : 416-756-1635
Office hours: 8:30 a.m. to 4:30 p.m.
Monday to Friday (Eastern Time)

Monday to Friday (Eastern Time)

For Members outside of Ontario:

Office hours: 8:00 a.m. to 8:00 p.m.
Monday to Friday (Eastern Time)