Expect advance notice
FSRA says renewal packages are generally sent about 30 days before expiry.
Review 2026 accident-benefit selections carefully
Benefits that were once standard may now appear as optional selections.
Update changes
Address, vehicle use, drivers, annual kilometres and vehicle details should be accurate.
Shop without creating a lapse
Coordinate new-policy effective dates before ending existing coverage.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.