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What you need to know about changes to auto insurance in Ontario

The Insurance Act defines the benefit amounts that are required in all standard auto insurance policies (opens new window) sold in the province of Ontario. However effective June 1, 2016 the Ontario government is implementing changes that will provide you with more flexibility when you choose certain coverage limits that may influence the price you pay for your policy. You may select other coverage options; to learn more click on the link below each benefit.

You can count on RBC Insurance to make sure you have the information you need to make an informed decision concerning your individual insurance needs. Simply explore the information provided in the tabs below to learn more about your new coverage options.

 

Glossary of Terms

We know insurance terms can be confusing. View the glossary of terms for definitions of some common language found throughout this information centre.

 

You are on: How the Auto Reform Will Affect You

How the Auto Reform Will Affect You:

One coverage provided under the standard Ontario Automobile Policy is Statutory Accident Benefits (opens new window). These benefits will continue to be a part of your auto insurance policy; however as a result of the government reform, some of the Accident Benefit amounts will change effective June 1, 2016.

Select the scenario below that best describes your situation:

Existing/Renewing Policies

Expand Existing/Renewing auto insurance policies

 

New Policies

Expand New auto insurance policies

 

Claims

Expand How will these changes affect me if I have to make a claim?

 

All products and services are subject to the terms and conditions of the applicable insurance contract. In the event of any conflict, the terms and conditions of the insurance contract will govern.

Auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company

You are on: Understanding What’s Changing

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Statutory Accident Benefits Coverage affected by changes

Select one of the Accident Benefits below to get a better understanding of the changes to the standard benefits. Click on the link to view your options to increase your benefits.

Expand Medical and Rehabilitation & Attendant Care Benefits

 

Statutory Accident Benefits Coverage not affected by changes

Expand Income Replacement Benefit

Expand Caregiver Benefit

Expand Housekeeping and Home Maintenance Expenses

Expand Death and Funeral Benefit

Expand Dependant Care Benefit

Expand Indexation Benefit

 
 

Options Available to Increase Your Benefits

Not sure that the new minimum amounts are enough coverage for your needs?
See what options are available to increase these benefits.

Learn More

 

All products and services are subject to the terms and conditions of the applicable insurance contract. In the event of any conflict, the terms and conditions of the insurance contract will govern.

Auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company

You are on: Are you adequately protected?

Are you adequately protected?

We want you to feel confident that you and your family have the protection you need. Accident Benefits coverage under your auto insurance policy may cover you if you sustain an injury or pass away, but only in the event of an automobile accident. There are options to purchase higher coverage limits on your auto insurance policy, but depending on your personal circumstances, you may find it valuable to carry stand-alone life, disability and critical illness insurance to provide full protection. With the announced changes to auto insurance, now is a good time to review your overall insurance needs.

When reviewing your needs, consider the following situations:

Jane’s Situation – Varying Needs

Jane is a single-mom with kids ranging in age from 1 to 14. She works in the financial industry and has heard about the auto insurance reforms introduced by the Ontario Government. She wants to ensure her family is adequately protected but is not sure if the new accident benefits coverage introduced by the recent auto insurance reform will provide the protection her family needs?

Find out what Jane should think about

Related Topics:  Disability Insurance (opens new window) | Critical Illness Insurance (opens new window) | Life Insurance (opens new window)
 

Bob’s Situation – Income Replacement Benefit

Bob is a project manager with a small company. His neighbor who is self-employed was recently injured in a car accident and was off work for 6 months. The accident benefits standard income replacement amount of $400 a week was not enough income to cover his expenses and he did not have a group insurance plan, or a private insurance policy. Bob is now re-evaluating his insurance needs and is deciding if the standard income replacement benefit under his auto insurance policy of $400 a week is enough income for him and his family if he was to sustain an injury and be unable to work.

Find out what Bob should consider

Related Topics:  Disability Insurance (opens new window) | Personal Accident Insurance (opens new window)
 

Lorraine’s Situation – Death & Funeral Benefit

Lorraine has a family with older children and manages a flower shop in Ottawa. She recently read an article on the auto insurance reform introduced by the Ontario Government and was unaware that the Death and Funeral benefit limit under her auto insurance policy may not cover all of her family’s immediate cash needs and their on-going expenses should she pass away. Lorraine would like more information on the Death and Funeral benefit coverage in her auto insurance policy and to find out what options are available to ensure her family is protected.

Find out what options are available to Lorraine

Related Topics:  Life Insurance (opens new window) | Personal Accident Insurance (opens new window)
 

Russell’s Situation – Retiree

Russell recently retired from a 35-year career in the construction industry and no longer has insurance coverage under his employer group insurance plan, and also does not have a private insurance policy. He is concerned that his auto insurance policy will not adequately provide the coverage his spouse needs if he was to sustain an injury or pass away. Russell would like to find out more about the benefits available to him through his auto insurance policy, and what other insurance options he should consider at this stage of his life.

Find out what options are available to Russell

Related Topics:  Life Insurance (opens new window) | Personal Accident Insurance (opens new window)
 

All products and services are subject to the terms and conditions of the applicable insurance contract. In the event of any conflict, the terms and conditions of the insurance contract will govern.

Auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company

You are on: FAQs

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Questions and Answers

Below are answers to the most common questions asked about Ontario auto insurance reform.

General Details

Expand What is the Ontario Auto Insurance Reform?

Expand Why has the government instituted this reform?

Expand When do the government’s changes come into effect?

Expand What are the main changes?

 

Policy and Premium Details

Expand Will my rates go down as a result of Ontario Auto Reform?

Expand My policy was renewed before June 1, 2016. What do I need to do now?

Expand My policy renews after June 1, 2016. What do I need to do?

Expand What happens if I don’t do anything?

Expand Can I switch to the new accident benefits before my renewal date?

 

All products and services are subject to the terms and conditions of the applicable insurance contract. In the event of any conflict, the terms and conditions of the insurance contract will govern.

Auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company

You are on: Contact Information

Who to contact for more information

Speak to a licensed RBC Insurance® advisor to find out how this will affect your auto insurance.

RBC Insurance

Financial Services Commission of Ontario

Insurance Bureau of Canada Consumer Information Centre


All products and services are subject to the terms and conditions of the applicable insurance contract. In the event of any conflict, the terms and conditions of the insurance contract will govern.

Auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company