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Auto Insurance is Changing

Starting July 1, 2026, some of your auto policy Accident Benefit coverages are moving from mandatory to optional.

Understand the Changes
Connect with a Broker

What is Changing on July 1, 2026?

Under updated Ontario insurance regulations,
9 statutory accident benefit coverages are becoming optional.

BENEFIT
COVERAGE
MANDATORY OR OPTIONAL
IF YOU OPT OUT
Medical, Rehabilitation & Attendant Care
Covers medical expenses, therapy and personal care for injuries from an accident, including doctor visits and physiotherapy
Mandatory
Medical, Rehabilitation & Attendant Care
Covers medical expenses, therapy and personal care for injuries from an accident, including doctor visits and physiotherapy
Mandatory
Included in every auto insurance policy
Income Replacement
Helps replace lost income if you (or someone else covered under the auto policy) is injured and loses income from not being able to work
Optional after
July 1, 2026
Income Replacement
Helps replace lost income if you (or someone else covered under the auto policy) is injured and loses income from not being able to work
Optional after
July 1, 2026
No lost income support
— may need to rely on
Employment Insurance Sickness Benefits, Canada
Pension Plan Disability Benefits or Ontario Disability Support Work
Caregiver
Helps cover caregiving expenses if you or another covered person is injured in an auto accident and can no longer provide care for a household member, such as a child or aging parent, who needs it
Optional after
July 1, 2026
Caregiver
Helps cover caregiving expenses if you or another covered person is injured in an auto accident and can no longer provide care for a household member, such as a child or aging parent, who needs it
Optional after
July 1, 2026
Excluded from your policy
Non-Earner
If you or another covered person is a student or is unemployed and an auto accident keeps you (or another covered person) from leading a normal life, this benefit can provide financial support while you recover
Optional after
July 1, 2026
Non-Earner
If you or another covered person is a student or is unemployed and an auto accident keeps you (or  another covered person) from leading a normal life, this benefit can provide financial support while you recover
Optional after
July 1, 2026
Excluded from your policy
Lost Educational Expenses
Reimburses certain costs you (or another person covered under the policy) incurred to enroll in education programs (e.g. college, university or other schooling) and are unable to attend as a result of an auto accident
Optional after
July 1, 2026
Lost Educational Expenses
Reimburses certain costs you (or another person covered under the policy) incurred to enroll in education programs (e.g. college, university or other schooling) and are unable to attend as a result of an auto accident
Optional after
July 1, 2026
Excluded from your policy
Visitor Expenses
May cover reasonable and necessary travel and lodging costs of visitors (e.g. parents or siblings) if they visit you (or another person covered under the auto policy) while you (or the other person with coverage) is in treatment or recovering from auto accident-related injuries
Optional after
July 1, 2026
Visitor Expenses
May cover reasonable and necessary travel and lodging costs of visitors (e.g. parents or siblings) if they visit you (or another person covered under the auto policy) while you (or the other person with coverage) is in treatment or recovering from auto accident-related injuries
Optional after
July 1, 2026
Excluded from your policy
Housekeeping & Home Maintenance
Helps cover costs if you or another covered person is unable to perform the housekeeping and home maintenance tasks normally done before an auto accident
Optional after
July 1, 2026
Housekeeping & Home Maintenance
Helps cover costs if you or another covered person is unable to perform the housekeeping and home maintenance tasks normally done before an auto accident
Optional after
July 1, 2026
Excluded from your policy
Damage to Personal Items
Covers the cost of repairing or replacing personal items like clothing, prescription glasses or hearing aids that were damaged in an auto accident
Optional after
July 1, 2026
Damage to Personal Items
Covers the cost of repairing or replacing personal items like clothing, prescription glasses or hearing aids that were damaged in an auto accident
Optional after
July 1, 2026
Excluded from your policy
Death
May compensate some members of your family if you (or another person covered under the policy) is killed as a result of an auto accident
Optional after
July 1, 2026
Death
May compensate some members of your family if you (or another person covered under the policy) is killed as a result of an auto accident
Optional after
July 1, 2026
Excluded from your policy
Funeral
May pay for some funeral expenses if you (or another person covered under the policy) is killed as a result of an auto accident
Optional after
July 1, 2026
Funeral
May pay for some funeral expenses if you (or another person covered under the policy) is killed as a result of an auto accident
Optional after
July 1, 2026
Excluded from your policy
See the Full Breakdown

The estimated savings from declining all new optional benefits is less than $10 per month.
The potential out-of-pocket exposure after a serious accident:
could be up to hundreds of thousands of dollars.

Under Ontario's no-fault insurance system, your own policy covers your injuries regardless of who caused the accident. If optional coverages are not added to your policy, you will not have that protection when you need it.

The Decisions You Make Now Can Affect You Later

Ontario's auto insurance changes affect every driver.

See the Full Breakdown

You're a parent with dependents at home.

If you were injured and couldn't work or care for your family, would your Ontario auto policy cover the expense gap in needing to hire help? After July 1, 2026, Income replacement and caregiver benefits are optional under the new car insurance Ontario rules.
  • Does my policy include income replacement, and is that level sufficient for my circumstance?
  • Are housekeeping benefits included if I can't manage the upkeep of my house?
  • Do I know my family's financial exposure if I'm seriously injured?
Play Video
Mature couple standing at a kitchen counter with groceries including leafy greens, bell peppers, eggs, an orange, and a basket of fruit.
Older couple standing by a kitchen counter with a grocery bag filled with fresh vegetables and various food items on the counter.

You're retired or approaching retirement.

Many retired drivers assume they no longer need income replacement coverage, but some continue to work part-time and may still rely on that income to pay for necessities. The new auto insurance rules may also affect who is covered under your policy, including passengers, grandchildren, and other family members who may regularly ride with you.
  • Does my coverage reflect my financial situation today?
  • Am I paying for benefits that I no longer need?
  • Do I know what my passengers are covered for?
Play Video
Middle-aged man and woman sitting on a couch, conversing with a table in front holding books, cups, and croissants.
Middle-aged man and woman sitting on a couch having a conversation in a cozy living room.

Your child is a new or young driver.

You have a dependent young driver in your household. After 1st July 2026, auto insurance options can be more complex, and you should consider whether you have purchased the right coverages for you and your family.
  • What coverage does my child have if they're at fault in an auto accident?
  • What happens if they're injured by an uninsured driver?
  • Am I choosing the cheapest option without knowing what I'm putting at risk?
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Woman with long dark hair wearing a tan buttoned sweater sitting at a desk with a laptop and notebooks.
Woman with long dark hair wearing a brown short-sleeve cardigan, sitting at a desk with a laptop and notebooks, looking to the side thoughtfully.

You're new to Ontario or new to Canadian auto insurance.

Ontario's auto insurance rules can be more complex than other countries' systems, and the new Ontario auto insurance regulations, effective July 1, 2026, may make them more so. Although complicated, you may just need the right person to explain it to you clearly.
  • Do I understand what coverages are mandatory versus what I can opt out of?
  • Am I making decisions based on what I've heard, or after receiving professional advice?

Ontario licensed insurance brokers often offer service in multiple languages.
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Delivery worker standing beside a hand truck loaded with three cardboard boxes, holding a yellow clipboard.
Delivery worker in beige uniform holding a yellow clipboard and standing next to a hand truck loaded with three stacked cardboard boxes.

You use your vehicle for work or deliveries.

Standard personal auto insurance in Ontario may not cover accidents that happen while you're driving for commercial reasons. In Ontario, if you are covered, accident benefits will cover injuries regardless of who's at fault. Since some benefits will soon become optional, reviewing your coverage is essential.
If you're an employee:
  • Am I covered if something happens during a shift?
  • Does my employer know how I use my vehicle?
If you're an employer or business owner:
  • Are all drivers in my business properly listed on the auto policy and covered?
  • What's my exposure if an unlisted driver is in an accident?
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Why Work With a Licensed Insurance Broker?

Brokers work for you, not the insurance company. When changes to auto insurance create more options across around 60 insurance companies, a licensed insurance broker narrows that down to what actually fits your life.

Contact a Broker
Brokers reduce decision fatigue.
Brokers help you focus on key details, enabling informed decisions without the overwhelm.
Brokers narrow your choices.
With around 60 insurance companies in Ontario, your broker recommends the best policy for your specific needs.
Brokers translate complexity.
Brokers simplify complex policies, ensuring you understand your coverage and options.
Right place. Right time.
Your broker’s knowledge of your policy ensures a personal, efficient, and supportive claims process.
Brokers are cost-effective.
Brokers are compensated by insurance companies, not by you.

Common Questions About Ontario Auto Insurance

What are the auto insurance changes in Ontario in 2026?
Will my existing policy be affected?
How much money will I actually save by opting out of benefits?
How does no-fault insurance work in Ontario?
What are statutory accident benefits and why do they matter?
What's the difference between an insurance broker and an insurance company?
How do the changes affect my policy?
How do I find a licensed insurance broker in Ontario?
Will the new auto insurance rules lower my premium?
Does my existing policy change automatically?

Talk to a Broker Before Your Next Renewal

A licensed insurance broker will compare your coverage options, explain what Ontario's auto insurance changes mean for you, and make sure your coverage fits your personal circumstances and needs.

Find a Licensed Insurance Broker
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