Same coverage generally carries forward
FSRA says an existing customer's policy generally renews with the same coverage and limits unless changes are agreed to in writing.
Coverage population changed immediately
Who is covered under newly optional benefits changed on July 1, 2026 regardless of renewal date.
Mid-term changes are possible
An insured and insurer can agree in writing to change optional accident-benefit selections.
Read the renewal package closely
Renewal documents should show current selections, limits and endorsements; do not assume last year's structure is unchanged.
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.