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Ontario Auto Reforms


Ontario Auto Reforms

Changes that took effect on June 1, 2016, make your Ontario auto insurance premium more affordable and give you more choice.


If you renewed your policy before June 1, 2016, the changes will affect you the next time your policy renews. For policies purchased new or renewed on or after June 1, 2016, here's what's different.

  • You have more choice in the coverage and price you pay for car insurance.
  • Many of the statutory accident benefits that you would receive if you were injured in a collision, regardless of who was at fault, have changed.
  • The maximum amount available for some benefits has been reduced, and some options for increased coverage have been eliminated or changed.

So what does this mean to you? Explore the background information on this webpage for details. Speak with your insurance representative to find out more.

Auto Insurance Backgrounders:

Contact IBC

 

Straight Talks

Changes to Your Policy

Benefit Levels

Ontario Auto Insurance Benefits

Changes to Reporting Minor Accidents

  • Subject to the exception described below, an insurer may not take into consideration a minor accident that occurred on or after June 1, 2016, in deciding whether to issue, renew or cancel a contract or in determining the premium, if all of the following criteria are met:
    • The cost of damage to each vehicle involved in the accident, including any property damage, does not exceed $2,000, and the cost of all such damages is paid by the at-fault party;
    • No personal injuries are sustained as a result of the accident; and
    • No payment is made by any insurer for any damage to the vehicles or property resulting from the accident.
  • Exception: An insurer may consider a minor accident that occurred on or after June 1, 2016, in deciding whether to issue, renew or cancel a contract or in determining the premium, if the vehicle was involved in a total of more than one minor accident in the previous three years, and in each accident the driver of that vehicle was at fault.