Non-payment can lead to cancellation
Missing premium payments can affect both current coverage and future pricing.
Non-renewal requires notice
Consumers have the right to be informed in writing if the policy is not renewed.
Underwriting rules matter
FSRA says an insurer's filed underwriting rules explain when it may decline or non-renew.
Do not create a gap while disputing
Keep legally required insurance in force if the vehicle remains on the road.
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.