More choice, more control:
Ontario’s auto insurance reforms put you in the driver’s seat

Before deciding to remove or add optional benefits, you should take the following steps:

• Review your current coverage (if you are an existing customer)

• • • Know what benefits you already have today through your auto insurance policy. 

• Review your workplace or private benefits plan

• • You may already have coverage through your employer, private benefits plan, or life and health insurance providers. 

• Think about your needs

• • • Consider which coverage is right for you and whether opting out is practical. 

• Speak to your insurer, agent or broker

• • They can help explain your options in relation to your auto insurance coverage. 

Make informed decisions; choose the benefits that best fit your needs and budget.

To learn more about optional benefits, speak with your insurer, agent or broker. You may also visit [insert website] or download our fact sheet [insert link] for more information.

Before speaking with your insurer, agent and broker, you should review your current auto insurance policy to better understand what coverage you currently have and think about your needs. Thoroughly review your workplace and private benefits plans to see what other coverage you may already have. 

To help you get started, you can [view or download our self-assessment checklist].

Yes, if you’re a renewing customer, all accident benefits except medical, rehabilitation, and attendant care will become optional. Your current coverage will automatically continue as is, unless you choose to remove or add optional benefits. You can review and update your coverage based on your needs and budget.

Customers who are purchasing auto insurance for the first time or who are starting a new policy on or after July 1, 2026, can choose which optional accident benefits they would like to purchase. Ask your insurer, agent or broker which benefits are included in your quote. You may want to add optional benefits to your policy based on your needs.

You may need to change your optional accident benefits if your situation changes, such as starting a new job, having children, or taking on caregiving responsibilities. You can change your optional benefits at any time. You can change your optional benefits at any time, but only the coverage in place at the time of an auto accident will apply to your claim. To update your coverage, contact your insurer, agent or broker to review your options and make sure your policy reflects your current needs.

Yes, you can choose to remove or update your auto insurance coverage. Before deciding to remove or add coverage, review your current policy to understand what you’re covered for, think about your needs and thoroughly review other workplace or private plans to see if you’re covered elsewhere. Speak to your insurer, agent or broker to explore your options and choose the benefits that best fit your needs and budget.

Please review your auto insurance policy and contact your insurer, agent or broker to discuss making changes to your optional benefits prior to renewal.

If you are shopping for a new policy on or after July 1, 2026, you may choose which optional accident benefits you’d like to purchase. Ask your insurer, agent or broker which benefits are included in your quote. You may want to add optional benefits to your policy based on your needs.

Speak to your insurer, agent or broker to add the optional accident benefits to your auto insurance policy.

Yes, the changes to accident benefits optionality will impact all drivers and auto insurance policies in Ontario, including personal private passenger, commercial, motorcycle, snowmobile and all-terrain vehicle policies.

You may be covered for certain accident benefits coverage when renting a car. Remember to review your auto insurance policy and the rental contract to understand what you’re covered for.

As of July 1, 2026, optional accident benefits coverage will only apply to the named insured, their spouse, dependants of the named insured and of the named insured’s spouse and listed drivers. Passengers injured in an auto accident will not be covered for optional benefits unless they fall into one of these groups under an auto insurance policy that includes optional benefits. However, standard accident benefits will still apply to all passengers.

Standard accident benefits will still apply to uninsured pedestrians and cyclists. Optional accident benefits coverage will only apply to the named insured, their spouse, dependants of the named insured, the name insured’s spouse, and drivers listed in the policy. Pedestrians and cyclists injured in an auto accident will not be covered for optional benefits unless they fall into one of these groups under an auto insurance policy that includes optional benefits.

There is no impact to ongoing claims, the auto insurance coverage you had at the time of the accident applies to your claim.

If you’re injured in an auto accident, you may have coverage through both your auto insurance and your supplementary health insurance plan. Starting July 1, 2026, Ontario is making changes to ensure that auto insurance will pay first for medical or rehabilitation benefits (except for medication costs) for any injury sustained in an auto accident. This means your auto insurance provider will cover these costs before your workplace or private health plan, helping you preserve those benefits for other life events.