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Many Ontario drivers assume that if they personally own their own vehicle, their personal auto insurance policy automatically covers all
Where to Celebrate Canada Day in the Niagara Region Planning your Canada Day long weekend in Niagara? From fireworks over
Employee Benefits Liability Coverage for Ontario Businesses Employee benefits liability coverage can help protect an Ontario business if a mistake
If you are a licensed driver in Ontario, you probably have heard about the upcoming changes in Accident Benefit coverage
At Duliban Insurance Brokers, we believe the people who dedicate their lives to protecting our communities deserve insurance solutions designed
Are Accident Benefits Optional in Ontario Now? Until now, drivers have not had to consider which accident benefits were covered
Summer in Ontario means road trips, weekends at the campground, and adventures across cottage country. Whether you own a motorhome,
May is Mental Health Awareness Month, a time to recognize the importance of mental well-being and the role employers can
Managing your insurance shouldn’t feel complicated. Whether you need to access documents, make a change, or review your coverage, convenience
The weather is just about right for road trips and long weekend getaways. If you are considering renting a car
Spring in Niagara and all throughout southern Ontario brings much-anticipated longer days, but it also comes with heavier rain. As
Getting a driver’s license is a major milestone – for both teens and parents. Along with the excitement comes a
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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