{"id":36058,"date":"2026-04-29T09:21:03","date_gmt":"2026-04-29T13:21:03","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?post_type=rbc_landing_page&#038;p=36058"},"modified":"2026-04-29T09:57:31","modified_gmt":"2026-04-29T13:57:31","slug":"ontario-auto-insurance-reform","status":"publish","type":"rbc_landing_page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/lp\/car-insurance\/ontario-auto-insurance-reform\/","title":{"rendered":"Ontario Auto Insurance Reform (OAR)"},"content":{"rendered":"\n<div class=\"wp-block-rbc-banner banner imageBelowCard\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns banner__cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column banner__col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group banner__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__BannerHeroCard\" style=\"background-color:#006AC3\">\n<div class=\"wp-block-group group-main is-layout-flow wp-block-group-is-layout-flow\">\n<h1 class=\"wp-block-heading mar-b-0 mob-mar-b-0 has-white-color has-text-color has-link-color wp-elements-f1cab10b2ac6e5b0e76bba0705bc7a5f\" id=\"h-ontario-s-auto-insurance-changes-what-you-need-to-know\">Ontario&#8217;s auto insurance changes: <mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">What you need to know<\/mark><\/h1>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-white\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Starting July 1, 2026, Ontario has made auto insurance more flexible<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You will be able to opt-out of some accident benefits that were previously standard<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>This gives you more choice to select coverage that fits your needs<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-columns cta-columns is-layout-flex wp-container-core-columns-is-layout-00aef719 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column cta-column-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent before\"><a class=\"wp-block-button__link wp-element-button\" href=\"#h-statutory-accident-benefits-are-changing-in-ontario\" data-dig-id=\"LP-CarInsurance-36058-0ef7a1a8\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"button click\" data-dig-label=\"Learn more-#h-statutory-accident-benefits-are-changing-in-ontario \">Learn more<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column cta-column-right is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column banner__col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"847\" height=\"564\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?quality=80&amp;w=847\" alt=\"Image of a mother and daughter on a road trip\" class=\"wp-image-21736\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp 847w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=768,511 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=420,280 420w\" sizes=\"auto, (max-width: 420px) 420px, (max-width: 768px) 768px, 847px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"847\" height=\"564\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?quality=80&amp;w=847\" alt=\"Image of a mother and daughter on a road trip\" class=\"wp-image-21736\" style=\"aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp 847w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=768,511 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/11\/AUTO-INSURANCE-insurance-hero-mobile.webp?resize=420,280 420w\" sizes=\"auto, (max-width: 420px) 420px, (max-width: 768px) 768px, 847px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-statutory-accident-benefits-are-changing-in-ontario\">Statutory accident benefits are changing in Ontario<\/h2>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Every Ontario auto insurance policy includes standard statutory accident benefits (SABs) that may provide financial support if you\u2019re injured in a motor vehicle accident, regardless of who caused it. Prior to July 1, 2026 these benefits cover things like medical treatment, rehabilitation, and income if you can\u2019t work because of your injuries.<\/p>\n\n\n\n<p>On July 1, 2026, some benefits that used to be included in every policy will become optional, giving you the choice to opt in or opt out. Because you\u2019ll have more control over your benefits, it\u2019s important to make an informed decision that meets your needs. Standard benefits that are in place prior to July 1st, 2026 will remain in place until you decide you want to change your policy.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-which-benefits-are-staying-the-same\">Which benefits are staying the same?<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Standard medical, rehabilitation, and attendant care benefits will continue to be included in all auto insurance policies. These benefits help cover essential recovery support after an accident.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You\u2019ll still have the option to add or increase your coverage in these categories, such as adding supplementary medical, rehabilitation, and attendant care, dependent care, and indexation benefits.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-which-benefits-are-becoming-optional\">Which benefits are becoming optional?<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p class=\"mar-b-hlf mob-mar-b-hlf\">The benefits listed below will become optional endorsements or \u201cadd-ons\u201d, and you\u2019ll have to choose whether to include them or not. Standard benefits that are in place prior to July 1st, 2026 will remain in place until you decide you want to change your policy.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title77c74380\" class=\"collapse-toggle collapsed\" data-target=\"#accordion77c74380\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-77c74380\" aria-controls=\"accordion77c74380\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"Income replacement\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Income replacement<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion77c74380\" role=\"region\" aria-labelledby=\"accordion-title77c74380\"><div class=\"collapse-inner\">\n<p>If you or another covered person is unable to work because of an auto accident, this benefit helps replace your income.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Do I need this coverage?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Consider this coverage if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You or another covered person rely on your employment income to support yourself or others<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You or another covered person wouldn\u2019t get disability benefits through your employer, benefits or private disability insurance if you were injured<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebdc626b1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbdc626b1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-bdc626b1\" aria-controls=\"accordionbdc626b1\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"Non-earner\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Non-earner<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbdc626b1\" role=\"region\" aria-labelledby=\"accordion-titlebdc626b1\"><div class=\"collapse-inner\">\n<p>If you or another covered person is a student or unemployed and an auto accident keeps you from leading a normal life, this benefit can provide financial support while you recover.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Do I need this coverage?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Consider this coverage if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You or another covered person is a student, unemployed, or retired<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>An injury would affect you or another covered person&#8217;s ability to live independently or pursue education<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1818f5ef\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1818f5ef\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-1818f5ef\" aria-controls=\"accordion1818f5ef\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"Caregiver benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Caregiver benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1818f5ef\" role=\"region\" aria-labelledby=\"accordion-title1818f5ef\"><div class=\"collapse-inner\">\n<p>If you or another covered person is a caregiver for a member of your household and can no longer provide care due to an auto accident, this benefit helps cover the cost of hiring replacement help.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Do I need this coverage?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Consider this coverage if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You or another covered person is the the primary caregiver for children, aging parents, or disabled family members<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You or another covered person is a single parent<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5383ce89\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5383ce89\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-5383ce89\" aria-controls=\"accordion5383ce89\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"Lost educational expenses\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Lost educational expenses<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5383ce89\" role=\"region\" aria-labelledby=\"accordion-title5383ce89\"><div class=\"collapse-inner\">\n<p>If a motor vehicle accident keeps you or another covered person from attending school or an education program, this benefit can help cover your lost incurred costs.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Do I need this coverage?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Consider this coverage if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You or another covered person are a full- or part-time student<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0cb6863e\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0cb6863e\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-0cb6863e\" aria-controls=\"accordion0cb6863e\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"Expenses of visitors\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Expenses of visitors<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0cb6863e\" role=\"region\" aria-labelledby=\"accordion-title0cb6863e\"><div class=\"collapse-inner\">\n<p>This benefit helps cover reasonable and necessary expenses of visitors, such as a sibling or parents, if you or another covered person is injured in a motor vehicle accident.<\/p>\n\n\n\n<p><strong>Do I need this coverage?<\/strong><\/p>\n\n\n\n<p>Consider this coverage if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your family members live far away<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your family would need to visit you or another covered person if you were seriously injured<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title71351ad6\" class=\"collapse-toggle collapsed\" data-target=\"#accordion71351ad6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-71351ad6\" aria-controls=\"accordion71351ad6\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"Housekeeping and home maintenance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Housekeeping and home maintenance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion71351ad6\" role=\"region\" aria-labelledby=\"accordion-title71351ad6\"><div class=\"collapse-inner\">\n<p>If you or another covered person is unable to do housekeeping and maintenance tasks normally done before an auto accident, this benefit helps cover costs.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Do I need this coverage?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Consider this coverage if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You or another covered person would need to hire someone to take over housekeeping duties if you were injured<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title174412e3\" class=\"collapse-toggle collapsed\" data-target=\"#accordion174412e3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-174412e3\" aria-controls=\"accordion174412e3\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"Damage to personal items\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Damage to personal items<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion174412e3\" role=\"region\" aria-labelledby=\"accordion-title174412e3\"><div class=\"collapse-inner\">\n<p>This benefit helps cover the cost to repair or replace personal items (e.g., clothing, prescription eyewear, hearing aids, etc.) damaged in a motor vehicle accident.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Do I need this coverage?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Consider this coverage if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You or another covered person regularly carry valuable items like glasses, hearing aids, or mobility devices<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Replacing these items would be costly if they were damaged in an accident<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2cb5cb56\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2cb5cb56\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-2cb5cb56\" aria-controls=\"accordion2cb5cb56\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"Death benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Death benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2cb5cb56\" role=\"region\" aria-labelledby=\"accordion-title2cb5cb56\"><div class=\"collapse-inner\">\n<p>This benefit provides a payment to some family members if you or another covered person dies due to an auto accident.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Do I need this coverage?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Consider this coverage if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your family would need financial support to cover ongoing expenses if you or another covered person passed away in a motor vehicle accident<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You or another covered person lack life insurance or other coverage for funeral expenses<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlec3da0573\" class=\"collapse-toggle collapsed\" data-target=\"#accordionc3da0573\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-c3da0573\" aria-controls=\"accordionc3da0573\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"Funeral benefits\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Funeral benefits<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionc3da0573\" role=\"region\" aria-labelledby=\"accordion-titlec3da0573\"><div class=\"collapse-inner\">\n<p>This benefit helps cover some funeral costs if you or another covered person dies due to a motor vehicle accident.<\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Do I need this coverage?<\/strong><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Consider this coverage if:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your family would struggle to cover funeral or burial expenses<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-who-will-be-covered-by-optional-accident-benefits\">Who will be covered by optional accident benefits?<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\">Starting July 1, 2026, the newly optional benefits in your auto policy will only apply to:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc mar-b-hlf mob-mar-b-hlf\">\n<li class=\"wp-block-rbc-list-item\">\n<p>The named insured(s)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The spouse of the named insured(s)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Dependents of the named insured(s) and of their spouse<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Listed drivers specified in the policy<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>This means that some people, such as pedestrians, cyclists, and certain passengers who may have been covered in the past may no longer be eligible for optional accident benefits.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-what-do-these-changes-mean-for-you\">What do these changes mean for you?<\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titled616008f\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond616008f\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-d616008f\" aria-controls=\"accordiond616008f\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"If you're renewing an existing policy after July 1, 2026\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If you&#8217;re renewing an existing policy after July 1, 2026<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiond616008f\" role=\"region\" aria-labelledby=\"accordion-titled616008f\"><div class=\"collapse-inner\">\n<p>Your policy will renew automatically with your current coverage and limits, unless you instruct your insurer in writing to decline or change them.<\/p>\n\n\n\n<p><strong>However, who is covered under your policy for newly optional benefits will change on July 1, 2026, regardless of renewal effective date.<\/strong> You can review and update your coverage based on the needs of all covered persons. Before making changes, check if your personal or work benefits already provide similar coverage.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleecef48aa\" class=\"collapse-toggle collapsed\" data-target=\"#accordionecef48aa\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-CarInsurance-36058-ecef48aa\" aria-controls=\"accordionecef48aa\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"collapsible closed\" data-dig-label=\"If you're a new customer\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If you&#8217;re a new customer<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionecef48aa\" role=\"region\" aria-labelledby=\"accordion-titleecef48aa\"><div class=\"collapse-inner\">\n<p>Customers who purchase a new policy on or after July 1, 2026, can choose which optional accident benefits they would like to purchase. Ask your insurance representative which benefits are included in your quote. You may want to add optional benefits to your policy based on ythe needs of all covered persons.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout2 mar-b-dbl mob-mar-b-dbl\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-what-steps-should-i-take\"><span class=\"partial__border-bottom\">What steps should I take?<\/span><\/h2>\n\n\n\n<p class=\"p-large\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Auto-1.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"informationCard__prod-type overline\"><\/p>\n\n\n\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-review-your-current-coverage\">Review your current coverage<\/h4>\n<\/div>\n\n\n\n<p>Know what benefits you already have today through your auto insurance policy.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/shield-heart.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"informationCard__prod-type overline\"><\/p>\n\n\n\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-review-your-workplace-or-private-benefits-plan\">Review your workplace or private benefits plan<\/h4>\n<\/div>\n\n\n\n<p>You or other covered persons may already have coverage through your workplace, private benefits plan, or life and health insurance providers.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Advisor.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"informationCard__prod-type overline\"><\/p>\n\n\n\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-think-about-your-needs\">Think about your needs<\/h4>\n<\/div>\n\n\n\n<p>Consider which coverage is right for you and all covered persons. Talk to a licensed RBC Insurance advisor. They can explain your options and help you make informed decisions.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" data-dig-id=\"LP-CarInsurance-36058-abfe2c4b\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html \">Book a call<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+18668433306\" data-dig-id=\"LP-CarInsurance-36058-abfe2c4b\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"button click\" data-dig-label=\"Call 1-866-843-3306-tel:+18668433306 \">Call 1-866-843-3306<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-CarInsurance-36058-9c6d7aa2\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>The content on this page is for information purposes only. The descriptions of the statutory accident benefits on this page are a summary of the statutory accident benefits in Ontario Regulation 34\/10 (the \u201cSABS\u201d). Do not rely on this summary alone. For full details, refer to the SABS or speak with your insurance representative.&nbsp;<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"author":196,"featured_media":0,"template":"templates\/new-rbci-design.php","categories":[49],"rbc_internal_tag":[],"class_list":["post-36058","rbc_landing_page","type-rbc_landing_page","status-publish","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ontario Auto Insurance Reform (OAR) | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Starting July 2026, some benefits that used to be included in every auto policy will become optional. 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