Income-related benefits
Income replacement and non-earner benefits are now optional for policies entered into on or after July 1, 2026.
Care and household benefits
Caregiver, dependant care and housekeeping/home-maintenance benefits are optional.
Other financial supports
Lost educational expenses, visitor expenses, damage to personal items, death, funeral and indexation benefits are among the optional choices.
Compare with other coverage you already have
FSRA specifically suggests reviewing workplace, private health, life and other benefits before changing auto-insurance selections.
Insurer offerings can differ
Available limits and pricing for optional benefits can vary, so compare like-for-like coverage rather than only premium totals.
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.