06/10/2026
π Ontario Auto Insurance Is Changing July 1, 2026 β Have You Asked Your Broker?
Starting July 1, 2026, Ontario auto insurance policies are changing, especially around Statutory Accident Benefits β the benefits that may help support you if youβre injured in a vehicle accident.
Some benefits that many drivers may assume are automatically included could become optional, including things like:
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Income replacement
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Caregiver benefits
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Non-earner benefits for students, retirees, stay-at-home parents, etc.
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Housekeeping and home maintenance
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Lost educational expenses
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Visitor expenses
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Damage to personal items
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Death and funeral benefits
Medical, rehabilitation, and attendant care benefits are expected to remain part of the basic mandatory coverage, but many other supports may need to be specifically selected when you buy or renew your policy.
Why does this matter?
Because the lowest monthly premium may not always mean the best protection. Saving a few dollars up front could leave you or your family without coverage you thought you had after an accident.
For example, if youβre injured and cannot work, youβll want to know whether your policy still includes income replacement coverage. This may be especially important for self-employed people, gig workers, small business owners, students, retirees, stay-at-home parents, and anyone without strong workplace disability benefits.
There may also be changes to how optional benefits apply to others, such as passengers, pedestrians, or cyclists. Thatβs why itβs worth asking your broker direct questions before your next renewal.
Before choosing the cheapest quote, ask your insurance broker:
β What benefits are included in my policy?
β Which benefits become optional after July 1, 2026?
β Do I still have income replacement coverage?
β Who in my vehicle or household is actually covered?
β What happens if a passenger, pedestrian, or cyclist is injured?
β Should I review my third-party liability limits?
β Do my workplace benefits cover injuries from a vehicle accident?
The takeaway is simple:
Do not assume your auto insurance coverage will work the same way it always has.
Take a few minutes to speak with your broker and review your policy. Insurance is one of those things nobody wants to think about until they need it β and by then, it may be too late to make changes.
This is not insurance advice, but it is a friendly reminder: ask questions, understand your coverage, and make sure the policy you choose actually protects you and your family.