Ontario Auto Insurance Is Changing
What the 2026 changes mean for your coverage and what to do next.
Starting July 1, 2026, auto insurance in Ontario is becoming more flexible. Some accident benefits that were previously included in every auto insurance policy will become optional, giving you more flexibility to customize coverage to fit your needs.
A conversation with a Cowan broker can help you understand which benefits are unchanged, which are becoming optional, and above all, what makes sense for you!
What’s staying the same
Certain core accident benefits will remain on all Ontario auto insurance policies. Here are examples of the benefits you’ll automatically keep:
- Standard medical and rehabilitation benefits
- Attendant care benefits
You’ll also continue to have the option of purchasing additional coverage, such as supplementary medical, rehabilitation, attendant and dependant care, and indexation benefits.
What’s changing on July 1, 2026
The following accident benefits will become optional and will no longer be automatic in new auto policies. Current policies will remain unchanged unless you request that your broker makes specific adjustments.
- Income replacement
- Non-earner
- Caregiver benefits
- Lost educational expenses
- Expenses of visitors
- Housekeeping and home maintenance
- Damage to personal items
- Death benefits
- Funeral benefits
A conversation with your broker can help you customize your coverage to fit your needs.
Who is covered on your policy?
Starting on July 1, 2026, optional accident benefits will only apply to:
- The named insured
- The spouse of the named insured
- Dependants of the named insured or their spouse
- Drivers specified in the policy
Understanding who is and isn’t covered is key to avoiding unexpected gaps or surprises.
What it means for you
Existing customers
Your coverage won’t change unless you request it, but now is the best time to speak with your broker and make sure it still fits your needs. Take the time to:
- Review your auto policy
- Decide whether you want to keep, add, or remove optional benefits
- Confirm your coverage still fits your needs
New customers
If you’re shopping for auto insurance, these changes make expert guidance more important than ever. We’ll help walk you through your insurance quote and ensure you understand:
- What’s included by default
- What’s optional
- Why certain benefits may matter for you
Commercial customers
Speak to the Cowan team to learn more about how these changes may affect your business and employees.
What steps should you take?
- Book a coverage review with your broker and explore your options
- Review your workplace or private benefits plan to avoid duplicate coverage
- Consider your needs and budget
Have questions? We’re here to help.
Choosing the right coverage doesn’t have to be complicated. The Cowan team is here to help you understand your options and make informed decisions. Contact us today at 1-866-912-6926!