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As the holiday season rolls around, what better way to cozy up and get into the festive spirit than with
The holiday season brings a sense of joy and celebration, but it can also spark confusion about insurance coverage. With
When the leaves have fallen and the first snow blankets the ground, many outdoor enthusiasts mistakenly hang up their camping
As winter approaches, it’s time to cozy up with hot cocoa and prepare for the season’s unique challenges. Snow, ice,
As the year draws to a close, it’s a great time for small business owners to conduct an end-of-year insurance
As winter approaches and the roads become icy and slick, vehicle safety becomes a top priority for drivers. One of
As winter sets in and the holiday season approaches, there’s nothing like transforming your home into a cozy retreat. Whether
You’ve been a careful driver for years—no accidents, no tickets, yet you still notice an increase in your auto insurance
As electric vehicles (EVs) continue to gain traction in Canada, the Niagara region has been no exception. With a growing
As the winter season approaches, it’s essential to prepare your recreational vehicles (RVs, ATVs, snowmobiles, and motorcycles) for the colder
The holiday season brings a boost in sales, with many small businesses experiencing a significant increase in online activity. However,
As electric vehicles (EVs) become more popular, the need for reliable and user-friendly tools to support EV owners has surged.
Ontario’s auto insurance reform takes effect July 1, 2026. The new modular system makes many accident benefits optional, allowing drivers to customize coverage and potentially lower premiums, but increasing the risk of coverage gaps if key protections are removed. Big Changes Are Coming to Your Car Insurance Starting July 1, 2026, Ontario will introduce what’s called a modular or à la carte auto insurance model. Instead of every driver automatically paying for the same package of accident benefits, you will be able to choose the coverage that fits your needs and financial situation. The goal of this change is to give drivers more flexibility and, in some cases, reduce premiums. However, more choice also means more responsibility when it comes to protecting yourself and your family. These changes are part of the province’s broader auto insurance reform and are being implemented under the oversight of the Financial Services Regulatory Authority of Ontario (FSRA). What You Must Keep and What You Can Skip After July 2026, only three core accident benefits will remain mandatory: Medical care Rehabilitation Attendant care These cover essential treatment and support if you are seriously injured in a collision. Everything else will become optional, including:
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