It’s all about Choice!

Changes to Automobile Insurance Coming to Ontario

Ontario recently announced legislation that will give consumers more choice and flexibility in their automobile insurance protection. More than 40 revisions to auto regulations have been proposed that give consumers options.

The proposed reforms will help keep insurance premiums affordable by letting Ontario drivers buy coverage that best meets their individual protection needs and budgets. Drivers could opt for a new standard level of auto insurance coverage that could help reduce their auto insurance premiums, or choose additional levels of medical and rehabilitation coverage including a wider range of attendant care, housekeeping expenses, death and funeral expenses. Here are a few of the proposed highlights:

  • Reduction of Medical and Rehabilitation (non-catastrophic) from $100,000 to $50,000
  • Attendant Care Benefit (non-catastrophic) from $72,000 to $36,000.• Housekeeping, home maintenance and caregiver benefits would be optional
  • The option to buy additional coverage to effectively reduce the Bodily Injury Deductible from $30,000 to $20,000.

A complete list of changes is available at

When compared to other provinces with similar auto insurance plans, Ontario’s new standard medical and rehabilitation benefits will remain the most generous in Canada.

In addition, 17 new consumer protection measures have been proposed including one that prohibits using a driver’s credit score to determine whether a driver is insurable or how much to charge for automobile insurance.

As your Broker, we applaud these changes and look forward to making sure you have insurance that fits your needs and your budget.

It is expected the new legislation will be implemented in late 2010 and we will make sure that you are well-informed. If you have any questions or concerns, please contact us. We’re on your side!

Contact Us if you have any questions or click here for a pdf of this page.