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July 2026 Ontario Canada Auto Reform Information

Ontario Auto Insurance Changes 2026: What Drivers Need to Know About the New Auto Reform

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:

Managing Your Home From Florida: How Snowbirds Really Do It

For thousands of Canadians, escaping winter is a lifestyle, not a vacation. When the first frost hits, snowbirds are already

What to Know Before Insuring Your Snowmobile This Winter

When the first snow hits, most people reach for a shovel, but snowmobile owners reach for their keys. Whether you

A car represents a comprehensive guide to G1 restrictions in Ontario for 2025.

Restrictions for G1 Drivers: A Complete Guide

Article Overview: This in-depth guide explains everything new drivers in Ontario need to know about G1 restrictions, including supervision requirements,

The Spookiest Things Actually Covered by Insurance (Yes, Real Stories)

Halloween has a way of turning everyday homes into mini haunted houses, and sometimes, those decorations and festivities come with

9 Yard Clean-Up Hacks for a Wet Ontario Fall

Fall cleanup is a chore in any year, but a wet October makes it even trickier. Saturated lawns, clogged gutters,

If You Win the Lottery… What Insurance Should You Get First?

Most people have played the “what if” game at least once. You buy a ticket, imagine your numbers coming up,

Myths Your Neighbour Probably Told You (That Aren’t True)

Most people have that neighbour – the friendly advice-giver who swears they “know how insurance works” because “that’s how my

Who Pays If Someone Else Crashes Your Car?

Lending your vehicle to a family member or friend might seem harmless – especially if it’s just for a quick

Your Home’s Value Changed – Did Your Insurance Keep Up?

Between rising construction costs, material shortages, and an increasingly competitive real estate market, many Ontario homeowners have seen the value

Are You Liable if Someone Gets Hurt on Your Property This Halloween?

More Visitors Means More Risk Halloween is one of the few times of the year when homeowners intentionally invite dozens

Cars parked in an outdoor lot surrounded by fall foliage.

License Plate Renewals in Ontario 101: Everything You Need to Know

Table of Contents Why Plate Renewals Still Matter Every driver in Ontario must ensure their vehicle is properly registered, and

How Life Insurance Fits Into Your Long-Term Financial Plan

When people think about financial planning, they often focus on investments, savings, and retirement accounts. While those are key components

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As an independent brokerage, we have the unique ability to fine tune our experience to be the quickest, most efficient way to get you from point A to B. Here’s how we do it:

Step 1: Obtain your quote online or over the phone from one of our insurance pros, in as little as 5 minutes.

Step 2: Our team will match you with the best available rate and coverage for your unique situation, and send you a personalized quote to review.

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Expert Picks

Speed Cameras in Ontario School Zones: What You Need to Know

To enhance road safety and protect school zones, speed cameras have been installed throughout Ontario. These cameras automatically capture and issue tickets to speeding motorists, raising several questions regarding their impact on insurance, demerit points, driving records, corporate vehicles, and the extent of their deployment. In this blog, we will

5 Essential Business Coverages for Entrepreneurs

When opening a business, it’s important to get insurance that will cover the unique risks you now face. Business coverage takes several forms, each meant to protect you from financial loss in specific situations. Here are some of the top coverages and the kinds of risks they protect against:

Keeping Your Home Protected During a Severe Wind Storm

Keeping Your Home Protected During a Severe Wind Storm May 26th, 2023 The wind in Ontario can be a mighty force to reckon with, capable of causing severe damage to homes and properties. When a windstorm is on the horizon, taking necessary precautions to protect your home and ensure your

The Top 10 Stolen Vehicles in Ontario & How to Protect Your Vehicle

The Top 10 Stolen Vehicles in Ontario & How to Protect Your Vehicle May 2nd, 2023 For years, we have assumed that cars with keyless entry were the future. Millions of people have enjoyed the ease of use as vehicles unlock themselves and start up with a touch if the

Home Renovations and Your Insurance Policy

Home Renovations and Your Insurance Policy April 24th, 2023 Your home is your biggest asset, and you take great pride in your ownership. Beyond routine maintenance or general upkeep, you may make some updates while owning your home. Whether you are handy enough to do it yourself or decide to

What to Do When in a Collision with Wildlife

While driving on rural roads, catching a glimpse of wildlife roaming through nature is expected. Although loud noises caused by traffic will often cause many animals to stay as far from the road as possible, there are times when they must get across, especially when looking for food or shelter.

Protecting Your Small Business with Crime Coverage

Small businesses and entrepreneurs need to take steps to protect their investments. Crime coverage is an essential aspect of business insurance that can help protect your business from financial losses due to theft, fraud, and other criminal activities. Despite a 38% drop in the rate of breaking and entering over the

Wood Stove Chimney Maintenance 101

Wood Stove Chimney Maintenance 101 March 20th, 2023 If your house is located in an area that experiences intense winter storms, your home may likely have a woodstove chimney. While these classic home additions may offer unparalleled warmth on a cold night, they also come with a long list of

Car Seat 101: Everything You Need to Know as a First-Time Parent

When expecting a child, families receive gifts like clothing, blankets, and various items to care for their new bundle of joy. However, the most important item you need to bring your newborn home from the hospital is a regulated car seat. With such a vital item, it’s important to debunk

How Inflation Can Affect Your Commercial Insurance Policy

What is the connection between inflation and commercial insurance? Inflation drives up vehicle repairs and medical bills, forcing commercial insurance companies to pay out large amounts for claims. Small business owners will subsequently feel the pinch when their insurance policy renews. While small business owners cannot prevent inflation, they

How to Maintain the Resale Value of Your Car as You Drive It

How to Maintain the Resale Value of Your Car as You Drive It February 26th, 2023 Owning a used car can be a responsible financial move that will help save you money if you maintain the vehicle correctly while you are the owner. By doing things such as frequently cleaning

Moving 101: Change of Address Checklist

Moving 101: Change of Address Checklist February 24th, 2023 Moving can be a stressful experience, whether you are a first-time homeowner or have purchased and sold properties several times. To make things easier, it’s important to make a checklist of everything you need to accomplish before, during, and after your

Top 10 Most Affordable Cities for Home Insurance in Ontario

Top 10 Most Affordable Cities for Home Insurance in Ontario February 21st, 2023 The province of Ontario has something for everyone – beautiful scenery, great amenities, and affordable home insurance rates. While various factors can make it affordable to live in a particular area, not all cities and towns offer

Inflation’s Impact On Insurance – Extended Edition

Inflation’s Impact On Insurance February 15th, 2023 Since the global pandemic began in 2020, inflation has been at an all-time high causing major challenges to the insurance industry as well as our valued clients. The price of goods, labour and interest rates are all on the rise, causing stress to

A Note From Your Broker On Inflation

A Note From Your Broker February 15th, 2023 As your dedicated insurance broker; it is our top priority to ensure that our customers are properly protected, and obtain the support and coverage they would need in the event of claim. We are strongly committed to understanding the needs of each

Things to Consider Before Buying Your First Snowmobile

Things to Consider Before Buying Your First Snowmobile October 12th, 2022 As the temperature drops, outdoor sports enthusiasts begin planning their winter excursions. One of the most popular winter activities throughout Ontario is snowmobile riding. Snowmobiles can be fun recreational vehicles that allow you to maneuver easily through rugged, snowy