Ontario's auto reform took effect on July 1, 2026. Only medical, rehabilitation and attendant care benefits remain mandatory. Income replacement, non-earner, caregiver, housekeeping, death and funeral and several smaller benefits are now optional, and you choose them at purchase or renewal.
Dropping them saves a little each month, but it can leave a large gap after a serious crash, especially for self-employed people, gig drivers, main earners and anyone without group disability coverage. This review looks at your situation and prices each option so you can decide.
