Drivers
New household or regular drivers can affect the policy.
Vehicle use
Commuting, business use, delivery work or ridesharing can change classification.
Address and garaging
Where the vehicle is principally kept is a rating factor.
Vehicle changes
Replacing the vehicle or materially changing its use should be reported promptly.
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.