Comparing premiums without matching coverage
This is especially risky after the 2026 accident-benefit reform.
Leaving regular drivers undisclosed
Driver information must accurately reflect the real household and use.
Assuming 'no-fault' means fault does not matter
Fault still affects claim settlement and insurance records.
Cancelling before replacement coverage is active
A gap can create both legal and pricing problems.
Ignoring renewal changes
Insurer rates, endorsements and optional benefits can change from one term to the next.
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.