This hub is for one decision: what to keep, add or drop on an Ontario auto policy that renews on or after July 1, 2026. Since that date the standard accident benefits in every policy are medical, rehabilitation and attendant care; income replacement, non-earner, caregiver, housekeeping and home maintenance, and death and funeral benefits are offered as options, and a renewing customer keeps the previous level unless they agree to a change in writing. The guides here take each of those benefits in turn, so you can read the one that matches the line on your renewal letter instead of the whole schedule.
Start with the explainers on statutory accident benefits and the first-payer rule if the vocabulary is new. Then use the self-assessment checklist and the renewal-letter guide to decide, benefit by benefit, with your own household in mind: who depends on your income, who you care for, and what your workplace or private plans already pay. The audience guides ask the same questions from the side of seniors, families, new drivers, self-employed and gig workers, and pedestrians and cyclists, who the guide shows can have a claim without owning a car.
Nothing here is a quote, a recommendation of an insurer, or legal advice. Each guide names its primary sources, the Statutory Accident Benefits Schedule and FSRA's guidance to insurers among them, and says where it is interpreting rather than quoting. When your situation turns on a detail, a licensed insurance professional can read the certificate with you.
Auto Insurance
Statutory Accident Benefits (SABS) are the no-fault benefits every Ontario auto policy pays after an accident. This guide explains each category in plain English, so you know exactly what your policy covers.
Auto Insurance
After July 1, 2026, auto insurers are the first payer for medical claims after an accident — not your workplace health plan. Here is what that flip means for your coverage.
Auto Insurance
A 10-question self-assessment that tells you which optional benefits to keep based on your income, dependants, health coverage, and lifestyle.
Auto Insurance
Section by section: the premium summary, the mandatory-versus-optional split, and the OPCF 47R endorsement you should not sign without reading.
Auto Insurance
A step-by-step walkthrough of what happens after a post-reform collision — who pays first, what benefits you can claim, and how the new rules change the claims process.
Auto Insurance
Statutory Accident Benefits (SABS) are the no-fault benefits every Ontario auto policy pays after an accident. This guide explains each category in plain English, so you know exactly what your policy covers.
Auto Insurance
After July 1, 2026, auto insurers are the first payer for medical claims after an accident — not your workplace health plan. Here is what that flip means for your coverage.
Auto Insurance
An Ontario auto policy is part statute, part shopping. This reference guide draws the line — the coverages every policy must include, and the ones that are yours to decide, with sources beside each claim.
Auto Insurance
A step-by-step walkthrough of what happens after a post-reform collision — who pays first, what benefits you can claim, and how the new rules change the claims process.
Auto Insurance
A 10-question self-assessment that tells you which optional benefits to keep based on your income, dependants, health coverage, and lifestyle.
Auto Insurance
Section by section: the premium summary, the mandatory-versus-optional split, and the OPCF 47R endorsement you should not sign without reading.
Auto Insurance
Income replacement benefits (IRB) become optional in July 2026. We walk through how IRB is calculated, who actually needs it, and when it's safe to opt out.
Auto Insurance
Non-earner benefits help people who can no longer carry on a normal life after an accident but had no income to replace. Here is how they work and why students, retirees, and stay-at-home parents should think twice before dropping them.
Auto Insurance
Caregiver and housekeeping benefits pay for help around the house and with dependants after an accident. We rank who needs them most and how much they typically cost.
Auto Insurance
Death and funeral benefits become optional in July 2026. The savings are small. The case for keeping them is surprisingly strong — here's why.
Auto Insurance
The reform changes the math for retirees — especially around non-earner and housekeeping benefits. A coverage checklist built for Ontario's 65+ drivers.
Auto Insurance
For families, the 2026 reform is a decision about who you are protecting and at what cost. We break down the trade-offs parents should think through before renewal.
Auto Insurance
New drivers are hit hardest by Ontario's reform because they often don't know what they'd be giving up. Here is a first-time-buyer checklist for choosing coverage after July 2026.
Auto Insurance
Without an employer disability plan, self-employed and gig workers face the biggest income risk from an accident. Why opting out of IRB after July 2026 is likely a mistake.
Auto Insurance
One of the biggest changes in the 2026 reform: optional benefits will only cover the named insured, spouse, dependants and listed drivers. If you're a pedestrian or cyclist, that's a coverage gap you need to know about.
Auto Insurance
Why Brampton drivers pay more: how Ontario's territorial auto rating works, what the law bans, and why the postal-code premium gap survived years of reform talk
No. On a policy renewing on or after July 1, 2026, the benefits you carried continue at the amounts previously payable unless you and your insurer agree to a change in writing. Your renewal package should show each optional benefit and its premium separately; if it does not, ask before you sign.
Medical, rehabilitation and attendant care remain standard. Income replacement, non-earner, caregiver, housekeeping and home maintenance, and death and funeral benefits are offered as options that every insurer must make available. The guides under "What to keep at renewal" take each one in turn.
For an accident on or after July 1, 2026, your auto insurer pays first for medical and rehabilitation treatment, ahead of your workplace or private health plan; before the reform it was effectively the payer of last resort. Medication is the exception: prescriptions still go to your health plan first. The change keys off the accident date, not your renewal date, and the coverage limits did not change. If you have no other plan, little changes for you. The first-payer explainer under "Start with the reform" sets this out.
Accident benefits follow people, not only drivers: passengers, pedestrians and cyclists can have a claim, and benefits such as housekeeping and caregiver matter most in households where someone's unpaid work keeps the week running. The seniors guide and the pedestrians and cyclists guide take those cases.
The renewal letter itself, the benefits booklet from any workplace or private plan, and the self-assessment checklist from this hub. Decide one benefit at a time. The licensed professional who placed the policy can read the certificate with you; nothing on this site is a quote or a recommendation of an insurer.
18 guides, newest first.
Auto Insurance
Rate filings are public. What one contains, how FSRA's approval process works, and why an approved filing is not a promise about your own renewal.
Auto Insurance
Why Brampton drivers pay more: how Ontario's territorial auto rating works, what the law bans, and why the postal-code premium gap survived years of reform talk
Auto Insurance
New drivers are hit hardest by Ontario's reform because they often don't know what they'd be giving up. Here is a first-time-buyer checklist for choosing coverage after July 2026.
Auto Insurance
For families, the 2026 reform is a decision about who you are protecting and at what cost. We break down the trade-offs parents should think through before renewal.
Auto Insurance
Section by section: the premium summary, the mandatory-versus-optional split, and the OPCF 47R endorsement you should not sign without reading.
Auto Insurance
A 10-question self-assessment that tells you which optional benefits to keep based on your income, dependants, health coverage, and lifestyle.
Auto Insurance
Non-earner benefits help people who can no longer carry on a normal life after an accident but had no income to replace. Here is how they work and why students, retirees, and stay-at-home parents should think twice before dropping them.
Auto Insurance
Caregiver and housekeeping benefits pay for help around the house and with dependants after an accident. We rank who needs them most and how much they typically cost.
Auto Insurance
The reform changes the math for retirees — especially around non-earner and housekeeping benefits. A coverage checklist built for Ontario's 65+ drivers.
Auto Insurance
One of the biggest changes in the 2026 reform: optional benefits will only cover the named insured, spouse, dependants and listed drivers. If you're a pedestrian or cyclist, that's a coverage gap you need to know about.
Auto Insurance
Income replacement benefits (IRB) become optional in July 2026. We walk through how IRB is calculated, who actually needs it, and when it's safe to opt out.
Auto Insurance
Without an employer disability plan, self-employed and gig workers face the biggest income risk from an accident. Why opting out of IRB after July 2026 is likely a mistake.
Auto Insurance
Death and funeral benefits become optional in July 2026. The savings are small. The case for keeping them is surprisingly strong — here's why.
Auto Insurance
After July 1, 2026, auto insurers are the first payer for medical claims after an accident — not your workplace health plan. Here is what that flip means for your coverage.
Auto Insurance
A step-by-step walkthrough of what happens after a post-reform collision — who pays first, what benefits you can claim, and how the new rules change the claims process.
Auto Insurance
Statutory Accident Benefits (SABS) are the no-fault benefits every Ontario auto policy pays after an accident. This guide explains each category in plain English, so you know exactly what your policy covers.
Auto Insurance
An Ontario auto policy is part statute, part shopping. This reference guide draws the line — the coverages every policy must include, and the ones that are yours to decide, with sources beside each claim.
Auto Insurance
A plain-English guide to Ontario Regulation 383/24 and the July 1, 2026 SABS changes — sourced from FSRA and the regulation itself.
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